| Joining Fee | Rs. 1,000 |
|---|
| 2nd year Onwards | Rs. 1,000 Annual fee waived off on annual spends of Rs. 2,00,000 and above.
Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends counted in availing annual fee waiver |
|---|
| Add-on card joining fee | Nil |
|---|
| Add-on card annual fee | Nil |
|---|
| Finance charges | 3.75% per month (55.55% annual) |
|---|
| Cash withdrawal fee | 2.5% (Min Rs. 500) of the Cash Amount |
|---|
| Fee for cash payment | Rs.175 |
|---|
| Card replacement | Nil |
|---|
| Duplicate statement fee | Waived |
|---|
| Overdue penalty or late payment fee | Nil if outstanding amount is less than Rs. 500
Rs. 500 if outstanding amount is between Rs. 501 and Rs. 5,000
Rs. 750 if outstanding amount is between Rs. 5,001 and Rs. 10,000
Rs. 1000 if outstanding amount is greater than Rs. 10,001.
If the Minimum Amount Due (MAD) is not paid, Late Payment Charges (LPC) will be levied per the existing LPC structure. Additional charges of Rs. 100 will be levied only if the MAD payment is not made prior to
the Payment Due Date (PDD) for two consecutive billing periods.
|
|---|
| Overlimit penalty | 2.5% of the over-limit amount (Min Rs. 500) |
|---|
| Charge slip retrieval fee | Waived |
|---|
| Outstation cheque fee | Waived |
|---|
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to min Rs. 500 |
|---|
|
| 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. 5,000) |
|---|
| Foreign currency transaction fee | 3.50% of the transaction value |
|---|
| Mobile alerts for transactions | Waived |
|---|
| Balance enquiry charges | Waived
|
|---|
| Reward redemption fee | No |
|---|
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