| Particulars |
Gold |
Gold Plus |
Silver |
Silver Plus |
| Standard Joining Fee |
Nil |
Rs 1,000 |
Nil |
Rs 500 |
| Standard Annual Fee |
Nil |
Rs 500 per annum |
Nil |
Rs 300 per annum |
| Standard Add-on Card Joining Fee |
Nil |
Rs 750 |
Nil |
Rs 350 |
| Standard Add-on Card Annual Fee |
Nil |
Rs 500 per annum |
Nil |
Rs 300 per annum |
Finance Charges
(Retail Purchases & Cash) |
2.95% per month
(41.75% per annum) |
2.95% per month
(41.75% per annum) |
2.95% per month
(41.75% per annum) |
2.95% per month
(41.75% per annum) |
| Balance Transfer Finance Charges |
0% interest rate for three months (2.95% interest per month thereafter, 2% processing fee for Rs. 199/- whichever is higher) |
0% interest rate for three months (2.95% interest per month thereafter, 2% processing fee for Rs. 199/- whichever is higher) |
0% interest rate for three months (2.95% interest per month thereafter, 2% processing fee for Rs. 199/- whichever is higher) |
0% interest rate for three months (2.95% interest per month thereafter, 2% processing fee for Rs. 199/- whichever is higher) |
| Cash Advance Transaction Fee |
2.5% (Min. Rs 150 for domestic and 250 for international ATM withdrawal |
2.5% (Min. Rs 150 for domestic and 250 for international ATM withdrawal |
2.5% (Min. Rs 150 for domestic and 250 for international ATM withdrawal |
2.5% (Min. Rs 150 for domestic and 250 for international ATM withdrawal |
| Dail-a-Draft or Draft Online Fee |
1% (Min. Rs 75) of the cash amount |
1% (Min. Rs 75) of the cash amount |
1% (Min. Rs 75) of the cash amount |
1% (Min. Rs 75) of the cash amount |
| Card Replacement (Waived off for stolen / damaged cards) |
Rs 100 |
Rs 100 |
Rs 100 |
Rs 100 |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services (GCAS). Currently US$ 0 |
As per VISA Global Customer Assistance Services (GCAS). Currently US$ 0 |
As per VISA Global Customer Assistance Services (GCAS). Currently US$ 148 |
As per VISA Global Customer Assistance Services (GCAS). Currently US$ 148 |
| Duplicate Statement Fee |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
| Overdue Penalty or Late Payment Fee |
30% of Min. Amt. Due (Min. Rs 250, Max. Rs 500) |
30% of Min. Amt. Due (Min. Rs 250, Max. Rs 500) |
30% of Min. Amt. Due (Min. Rs 250, Max. Rs 500) |
30% of Min. Amt. Due (Min. Rs 250, Max. Rs 500) |
| Over Limit Penalty |
3% of the overlimit amount (Min. Rs 300) |
3% of the overlimit amount (Min. Rs 300) |
3% of the overlimit amount (Min. Rs 300) |
3% of the overlimit amount (Min. Rs 300) |
| Chargeslip Retrieval Fee or Copy Request Fee |
Rs 200 |
Rs 200 |
Rs 200 |
Rs 200 |
| Outstation Cheque Fee |
Rs 100 |
Rs 100 |
Rs 100 |
Rs 100 |
| Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds |
Rs 300 |
Rs 300 |
Rs 300 |
Rs 300 |
| Surcharge on purchase or cancellation of Railway Tickets |
Rs 30 plus 2.5% of transaction amount |
Rs 30 plus 2.5% of transaction amount |
Rs 30 plus 2.5% of transaction amount |
Rs 30 plus 2.5% of transaction amount |
| Petrol Transaction Charge |
2.5% or Rs 10 whichever is higher |
0% |
2.5% or Rs 10 whichever is higher |
2.5% or Rs 10 whichever is higher |
| Foreign Currency Transaction Fee |
3.50% of the transaction value |
3.50% of the transaction value |
3.50% of the transaction value |
3.50% of the transaction value |
| Mobile Alerts for Transactions |
Rs 100 |
Nil |
Rs 100 |
Nil |
