| Description |
Charges |
| Standard Joining Fee |
Rs.500
|
| Standard Annual Fee |
Rs.500
|
| Standard Add-on Card Joining Fee |
NIL |
| Standard Add-on Card Annual Fee |
NIL |
| Finance Charges (Retail Purchases & Cash) |
3.40% per month (49.36% per annum) |
| Cash Withdrawal Fees |
2.5% (minimum Rs. 500) of the Cash Amount |
| Fee for Cash Payment |
Rs. 100 |
| Card Replacement |
Nil |
| Overdue Penalty or Late Payment Fee |
Nil if Total Payment Due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is greater than Rs.10,000
|
| Over Limit Penalty |
2.5% of the overlimit amount (Min. Rs 500) |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services (GCAS). |
| Surcharge on purchase or cancellation of Railway Tickets |
As prescribed by IRCTC/Indian Railways
|
| Fuel Transaction Surcharge |
1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Mobile Alerts for Transactions | Waived |
| Hotlisting Charges | NIL |
| Balance Enquiry Charges | Waived |
| Cheque return or Dishonour
Fee or Auto debit Reversal |
2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,522 |
| Reward Redemption fee |
Yes |
| Rent Transaction fee |
1% capped at INR 1,500/transaction will be applicable on each rental transaction done on MCC 6513 |
| Dynamic Currency Conversion Markup |
1% + taxes for each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation |
