| Savings Accounts |
 |
Domestic Accounts
| Account Type |
Details |
| Savings Account |
Rate of Interest |
Minimum Balance |
Non-maintenace charges (Rs per quarter) |
| Domestic |
Normal |
Senior Citizen |
Rural |
Semi Urban |
Urban/Metro |
| With cheque book facility |
3.50% |
3.50% |
1000 |
2500 |
5000 |
750 |
| Without cheque book facility |
3.50% |
3.50% |
1000 |
2500 |
5000 |
750 |
| No Frills Account |
3.50% |
3.50% |
- |
- |
- |
- |
| EasyAccess Savings A/c |
3.50% |
3.50% |
1000 |
2500 |
5000 |
750 (metro/urban/ semi urban), 500 (rural) |
| Prime Savings Account |
3.50% |
3.50% |
10000 |
25000 |
25000 |
750 |
| Trust Account |
3.50% |
3.50% |
25000 |
25000 |
25000 |
750 |
| Salary Power |
3.50% |
3.50% |
Zero |
Zero |
Zero |
750, if salary not credited for 3 consecutive months |
| Smart Privilege Account |
3.50% |
3.50% |
5000 |
5000 |
10000 |
750 (metro/urban/ semi urban), 500 (rural) |
| Senior Privilege Account |
3.50% |
3.50% |
5000 |
5000 |
10000 |
750 (metro/urban/ semi urban), 500 (rural) |
|
 |
Priority Accounts
| Eligibility for Priority Banking Service |
AQB Maintained in Priority Banking Accounts |
Applicable Charges per quarter (Rs) |
| SB Criteria |
>= Rs 1 lakh in Savings Account
Between Rs 50000/- and Rs 1 lakh in Savings account
Less than Rs 50000/- in Savings Account
|
Nil
750
1000
|
| SB + TD Criteria |
Total Relationship Rs 5 lakhs (SB+TD) with Savings AQB > =Rs 25000
Total Relationship Rs 5 lakhs (SB+TD) with Savings AQB < Rs 25000 And/Or
Total Relationship (SB+TD) < Rs 5 lakhs
|
Nil
1000
|
| SB Salary Criteria |
>= Rs 75000/- in Salary Savings Account
Between Rs 50000/- and Rs 75000/- in Salary Savings account
Less than Rs 50000/- in Salary Savings Account
|
Nil
750
1000
|
| Encash 24 (Flexi) Account Criteria |
Total Relationship Rs 5 lakhs (SB+TD) with Savings Minimum Balance= Rs 1 Lakh
Total Relationship Rs 5 lakhs (SB+TD) with Savings Minimum
Balance< Rs 1 Lakh And/ Or
Total Relationship (SB+TD) < Rs 5 lakhs
|
Nil
1000
|
|
 |
Non Resident
| Account Type |
Details |
| Rate of Interest |
Minimum Balance |
Non-maintenace charges (Rs per quarter) |
| Normal |
Senior Citizen |
Rural |
Semi Urban |
Urban/Metro |
| NRO/NRE Normal |
3.50% |
5000 |
If AQB > Rs 2500/- but < Rs 5000 then Rs 750/-
If AQB is equal to Rs 2500/- or less then Rs 1000/- |
| NRO/NRE Prime |
3.50% |
25000 |
If AQB >= Rs 15000/- but < Rs 25000/- then Rs 750/-
If AQB < Rs 15000/- then Rs 1000/- |
| NRO/NRE Priority SB Criteria |
3.50% |
>= Rs 1 lakh in Savings Account
Between Rs 50000/- and Rs 1 lakh in Savings account
Less than Rs 50000/- in Savings Account
|
Nil
Rs 750
Rs 1000 |
NRE Priority SB + TD Criteria |
3.50% |
Total Relationship Rs 5 lakhs (SB+TD) with Savings AQB > = Rs 50000
Total Relationship Rs 5 lakhs (SB+TD) with Savings AQB < Rs 50000 And/Or
Total Relationship (SB+TD) < Rs 5 lakhs |
Nil
Rs 1000 |
*For details, please refer NRI Services - Schedule of Charges
|
| Other Services & Charges |
 |
Lockers
| Type of Locker |
Metro/Urban |
Semi Urban/Rural |
| 1 Year |
2 Year |
3 Year |
1 Year |
2 Year |
3 Year |
| A |
1000 |
2000 |
3000 |
750 |
1500 |
2250 |
| B |
1200 |
2400 |
3600 |
750 |
1500 |
2250 |
| C |
1500 |
3000 |
4500 |
1000 |
2000 |
3000 |
| D |
2000 |
4000 |
6000 |
1200 |
2400 |
3600 |
| E |
2500 |
5000 |
7500 |
2000 |
4000 |
6000 |
| F |
3000 |
6000 |
9000 |
2500 |
5000 |
7500 |
| G |
3500 |
7000 |
10500 |
3000 |
6000 |
9000 |
| H |
5000 |
10000 |
15000 |
4000 |
8000 |
12000 |
| H1 |
2500 |
5000 |
7500 |
2000 |
4000 |
6000 |
| K |
6000 |
12000 |
18000 |
5000 |
10000 |
15000 |
| L |
5500 |
11000 |
16500 |
4500 |
9000 |
13500 |
|
 |
Drafts
| Drafts |
Charges |
| Issue |
Rs 2.50/Rs 1000/- or part thereof (min Rs 50/- max Rs 10000/-) |
| Cancellation |
Rs 25/- |
| Duplicate |
Rs 50/- |
| Revalidation |
Rs 50/- |
|
 |
Pay Order
| Pay Order |
Charges |
| Issue |
Upto Rs 50,000 - Rs 50/- Above Rs 50,000 - Rs 2.50/Rs 1000/- (min Rs 80/-) |
| Cancellation |
Rs 25/- |
| Duplicate |
Rs 50/- |
| Revalidation |
Rs 50/- |
|
 |
TT
| TT |
Charges |
| Issue |
Nil |
| Cancellation |
Nil |
| Duplicate |
Nil |
| Revalidation |
Nil |
|
 |
EFT
| EFT |
Charges |
| Inward |
Nil |
| Outward |
Nil |
|
 |
Outstation cheque collection
| Outstation cheque collection |
Charges |
| Upto Rs 10,000/- |
Rs 50/- per instrument |
| Rs 10,000/- to Rs 1,00,000/- |
Rs 100/- per instrument |
| Rs 1,00,001/- and above |
Rs 150/- per instrument |
|
 |
NEFT Money Transfer
| NEFT Money Transfer |
Charges |
| Inward |
Nil |
| Outward |
Upto Rs.1 lakh - not exceeding Rs.5/- per transaction
Rs.1 lakh and above - not exceeding Rs.25/- per transaction
|
|
 |
RTGS Money Transfer
| RTGS Money Transfer |
Charges |
| Inward |
Nil |
| Outward |
Rs.1 lakh to Rs.5 lakhs - not exceeding Rs.25/- per transaction
Rs.5 Lakhs and above - not exceeding Rs.50/- per transaction
|
|
 |
ECS
| Charges for ECS (Credit) for affording credit to customer accounts - levied to the customer - at the destination branches |
Charges for ECS (Debit) - for debiting customer accounts - levied at destination branches |
Charges/penalties levied by destination branches for ECS(debit) returns due to non-availability of funds in customer |
Charges for certifying or verifying customer mandates |
| Nil |
Nil |
Rs.200/- per record plus service tax for inward ECS (debit) returns |
Rs.50/- per mandate plus service tax |
|
 |
Cheque return charges
| Type of Account |
Outward Returns |
Inward Returns |
Outstation cheque return |
| For Savings Accounts |
Rs 100/- per return
|
Upto 3 cheques - Rs 350/- per return
4th cheque onwards - Rs 750/- per return
|
Rs 100/- |
| For Current, Overdraft and Cash Credit Accounts |
- |
- |
- |
| Dishonour of outstation / local bills & cheques |
- |
- |
- |
|
 |
Other charges
| Cheque Book Issue |
Upto 20 leaves per quarter - Free
Above 1 cheque book per quarter - Rs 50/- per cheque book |
| No Dues Certificate |
Nil |
| Balance Certificate |
Rs 25 |
| Interest Certificate |
Nil |
| Account closure |
Nil if closed after 6 months
Rs 100 if closed within 6 months
|
| Photo attestation |
Rs 50 |
| Signature attestation |
Rs 25 |
| Stop Payment charges |
Rs 100 per instrument Rs 200 for a series of instruments (beyond 3 cheques) |
| ECS Charges from the ECS uers as sponsor bank |
Re.1/- per record (minimum of Rs300/- per file) |
| ECS (debit) return charges |
Rs 200/- |
| Charges for certifying or verifying customer mandates |
Rs 50/- per mandate |
| Transaction Charges - Applicable for accounts that do not maintain prescribed AQB (not applicable to Salary/Priority/Trust accounts) |
3 branch transactions per quarter - Nil
Beyond 3 branch transactions/qtr-Rs 100 per transaction |
| Inter-city clearing charges - On volume |
Upto 10 - Nil
10-20 - Rs 100 per instrument
21st & above - Rs 200 per instrument
|
| Inter-city clearing charges - On value |
Upto Rs 2,00,000 - Nil
Above Rs 2,00,000 - Rs 2.50/1000
|
| Mobile Banking charges |
Rs 150/- for the financial year |
|
| Loans |
 |
Home Loans
| Sr. No |
Type |
Loan amount (Rs.) |
Rate Of Interest (p.a.) |
1 |
Floating |
Up to 30 Lacs |
8.75% |
| Above 30 Lacs |
9.25% |
2 |
Fixed |
Irrespective of the loan amount |
14.00% |
| Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Late Payment of EMI |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
| 1% + Service tax as applicable |
Nil |
NA |
NA |
Rs 500 + taxes per cheque bounce and a penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s |
Min. Rs. 5000/- or 1% of the outstanding amount whichever is higher |
Min. Rs. 5000/- or 1% of the outstanding amount whichever is higher |
|
 |
Loan Against Property
| Rates of Interest |
Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Late Payment of EMI |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
Residential 12.75%
Commercial 13.75% |
1% + Service tax as applicable |
2% on Principal Outstanding |
NA |
NA |
Rs 500 + taxes per cheque bounce and a penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s |
NA |
NA |
|
 |
Personal Loan
| Rates of Interest |
Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Late Payment of EMI |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
| 14.00% to 21.00% |
2% + Service tax as applicable |
NIL |
NA |
NA |
Rs 500 + taxes per cheque bounce and a penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s |
NA |
NA |
|
 |
Loan Against Shares
| Sr. No |
Loan amount (Rs.) |
Rate Of Interest (p.a.) |
| 1 |
Upto Rs.10.00 Lacs |
12.75% |
| 2 |
Above Rs.10.00 Lacs |
12.5% |
| Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Overdue Amount |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
| 1% |
NA |
NA |
NA |
Penal interest @ 2% per month on the overdue amount and cheque bounce charges. |
NA |
NA |
*DP charges as applicable.
|
 |
Loan Against Security
Loan against Mutual Funds:
| Sr. No |
Loan amount (Rs.) |
Rate Of Interest (p.a.) |
| 1 |
Upto Rs.10.00 Lacs |
14% |
| 2 |
Above Rs.10.00 Lacs |
13.75% |
| Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Overdue Amount |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
| 2% |
NA |
NA |
NA |
Penal interest @ 2% per month on the overdue amount and cheque bounce charges. |
NA |
NA |
Loan against NSC / KVP / LIC Policy:
| Sr. No |
Loan amount (Rs.) |
Rate Of Interest (p.a.) |
| 1 |
Upto Rs.5.00 Lacs |
15% |
| 2 |
Above Rs.5.00 Lacs |
14.5% |
| Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Overdue Amount |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
| 1% - 2% |
1% on outstanding principal |
NA |
NA |
Penal interest @ 2% per month on the overdue amount and cheque bounce charges. |
NA |
NA |
|
 |
Vehicle Loan
| Rates of Interest |
Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Late Payment of EMI |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
| 9.25% to 15.00% |
Rs. 3,000 to Rs. 4,000 |
5% to 10% of Principal Outstanding |
NA |
NA |
Rs 500 + taxes per cheque bounce and a penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s |
NA |
NA |
|
 |
Education Loan
| Rates of Interest |
Loan Processing Charges |
Prepayment Charges |
No Due Certificate |
Solvency Certificate |
Charges for Late Payment of EMI |
Charges for changing from fixed to floating rates of interest |
Charges for changing from floating to fixed rates of interest |
13.75% - 15.75% *Repayable in maximum 7 years from the commencement of instalment. |
Nil |
Nil |
NA |
NA |
Rs 500 + taxes per cheque bounce and a penal interest @24% per annum i.e. @ 2% per month on the overdue installment/s |
NA |
NA |
|
| Credit Cards |
 |
Fees and Charges for Platinum Advantage, Platinum, Gold, Silver Credit Cards
| Charges |
Platinum Advantage |
Platinum |
Gold |
Silver |
| Standard Joining Fee |
Rs 1000 |
Nil |
Nil |
Nil |
| Standard Annual Fee |
Rs 500 |
Nil |
Nil |
Nil |
| Standard Add-on Card Joining Fee |
Nil |
Rs 100 |
Rs 100 |
Nil |
| Standard Add-on Card Annual Fee |
Nil |
Nil |
Nil |
Nil |
| 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) |
3.25% per month (46.78% per annum) |
| Cash Withdrawal Fees |
2.5% (Min. Rs 250) of the Cash Amount |
2.5% (Min. Rs 250) of the Cash Amount |
2.5% (Min. Rs 250) of the Cash Amount |
2.5% (Min. Rs 250) of the Cash Amount |
| Card Replacement (lost or stolen or re-issue) |
Waived |
Waived |
Waived |
Waived |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services (GCAS). |
As per VISA Global Customer Assistance Services (GCAS). |
As per VISA Global Customer Assistance Services (GCAS). |
As per VISA Global Customer Assistance Services (GCAS). |
| Duplicate Statement Fee |
Waived |
Waived |
Waived |
Waived |
| Overdue Penalty or Late Payment Fee |
30% of Min. Amt. Due (Min. Rs 350, Max. Rs 600) |
30% of Min. Amt. Due (Min. Rs 350, Max. Rs 600) |
30% of Min. Amt. Due (Min. Rs 350, Max. Rs 600) |
30% of Min. Amt. Due (Min. Rs 350, Max. Rs 600) |
| 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 |
Waived |
Waived |
Waived |
Waived |
| Outstation Cheque Fee |
Waived |
Waived |
Waived |
Waived |
| 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 |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
| Fuel Transaction Surcharge |
Waived (For fuel transaction to be between Rs 400 and Rs 4000) |
Waived (For fuel transaction to be between Rs 400 and Rs 4000) |
Waived (For fuel transaction to be between Rs 400 and Rs 4000) |
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 |
Waived |
Waived |
Waived |
Waived |
| Hotlisting Charges |
Nil |
Nil |
Nil |
Nil |
| Balance Enquiry Charges |
Waived |
Waived |
Waived |
Waived |
|
 |
Fees and Charges for Easy Credit Card
Charges |
Easy |
Platinum Advantage |
Platinum |
Gold |
Silver |
| Standard Joining Fee |
Rs. 1000 |
Nil |
Nil |
Nil |
| Standard Annual Fee |
Rs. 500 pa |
Nil |
Rs. 100 from Year 2 |
Nil |
| Standard Add-on Card Joining Fee |
Nil |
Rs. 100 |
Rs. 100 |
Nil |
| Standard Add-on Card Annual Fee |
Nil |
Nil |
Nil |
Nil |
| Finance Charges (Retail Purchases & Cash) |
1.95% p.m. |
1.95% p.m. |
1.95% p.m. |
1.95% p.m. |
| Cash Withdrawal Fees |
Rs. 100 at domestic Axis Bank ATMs
2.5% of the Cash withdrawal amount (Minimum Rs. 250) at International or Non-Axis Bank ATMs |
Rs. 100 at domestic Axis Bank ATMs
2.5% of the Cash withdrawal amount (Minimum Rs. 250) at International or Non-Axis Bank ATMs |
Rs. 100 at domestic Axis Bank ATMs
2.5% of the Cash withdrawal amount (Minimum Rs. 250) at International or Non-Axis Bank ATMs |
Rs. 100 at domestic Axis Bank ATMs
2.5% of the Cash withdrawal amount (Minimum Rs. 250) at International or Non-Axis Bank ATMs |
| Card Replacement (lost or stolen or re-issue) |
Waived |
Waived |
Waived |
Waived |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services (GCAS). |
As per VISA Global Customer Assistance Services (GCAS). |
As per VISA Global Customer Assistance Services (GCAS). |
As per VISA Global Customer Assistance Services (GCAS). |
| Duplicate Statement Fee |
Waived |
Waived |
Waived |
Waived |
| Overdue Penalty or Late Payment Fee |
30% of Minimum Amount Due (Min. Rs 350, Max. Rs 600) |
30% of Minimum Amount Due (Min. Rs 350, Max. Rs 600) |
30% of Minimum Amount. Due (Min. Rs 350, Max. Rs 600) |
30% of Minimum Amount. Due (Min. Rs 350, Max. Rs 600) |
| 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 |
Waived |
Waived |
Waived |
Waived |
| Outstation Cheque Fee |
Waived |
Waived |
Waived |
Waived |
| 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 |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
| Petrol Transaction Surcharge |
2.5% of transaction amount or Rs. 10 whichever is higher (Refunded for fuel transactions between Rs. 400 and Rs. 4000) |
2.5% of transaction amount or Rs. 10 whichever is higher (Refunded for fuel transactions between Rs. 400 and Rs. 4000) |
2.5% of transaction amount or Rs. 10 whichever is higher (Refunded for fuel transactions between Rs. 200 and Rs. 2500) |
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 |
Waived |
Waived |
Waived |
Waived |
| Hotlisting Charges |
Nil |
Nil |
Nil |
Nil |
| Balance Enquiry Charges |
Waived |
Waived |
Waived |
Waived |
|
 |
Fees and Charges for Corporate Credit Cards
| Charges |
Corporate |
| Corporate Liability |
Individual Liability |
| Standard Joining Fee |
As agreed with company |
As agreed with company |
| Standard Annual Fee |
As agreed with company |
As agreed with company |
| Standard Add-on Card Joining Fee |
NA |
Nil |
| Standard Add-on Card Annual Fee |
NA |
Nil |
| Finance Charges (Retail Purchases & Cash) |
NA |
2.95% Per month (41.75% per annum) |
| Cash Withdrawal Fees |
2.5% (Min. Rs 250) of the Cash Amount |
2.5% (Min. Rs 250) of the Cash Amount |
| Card Replacement (lost or stolen or re-issue) |
Nil |
Nil |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services(GCAS) |
As per VISA Global Customer Assistance Services(GCAS) |
| Duplicate Statement Fee |
Waived |
Waived |
| Overdue Penalty or Late Payment Fee |
3% of the total amount due(Min. Rs. 350) |
30% of Min. Amt. Due (Min. Rs. 350, Max. Rs. 600) |
| Over Limit Penalty |
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 |
| Outstation Cheque Fee |
Waived |
Waived |
| Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds |
Rs. 300 |
Rs. 300 |
| Surcharge on purchase or cancellation of Railway Tickets |
As prescribed by IRCTC/Indian Railways |
As prescribed by IRCTC/Indian Railways |
| Petrol Transaction Charge |
Waived (For a minimum transaction of Rs 200 and a maximum of Rs 2500) |
Waived (For a minimum transaction of Rs 200 and a maximum of Rs 2500) |
| Foreign Currency Transaction Fee |
3.5% of the transaction value |
3.5% of the transaction value |
| Mobile Alerts for Transactions |
Waived |
Waived |
| Hotlisting Charges |
Nil |
Nil |
| Balance Enquiry Charges |
Waived |
Waived |
|
 |
Fees and Charges for Magnet, Trust, Shriram Credit Cards
| Charges |
Magnet |
Trust Chemist |
Shriram |
| Standard Joining Fee |
Nil |
Nil |
500 (incl of taxes) |
| Standard Annual Fee |
Nil |
Nil |
Rs 300 |
| Standard Add-on Card Joining Fee |
Nil |
Nil |
NA |
| Standard Add-on Card Annual Fee |
Nil |
Nil |
NA |
| 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) |
| Cash Withdrawal Fees |
NA |
2.5% (Min. Rs 250) of the Cash Amount |
2.5% (Min Rs 100) |
| Card Replacement (lost or stolen or re-issue) |
Rs 250 |
Rs 100 |
Rs 250 |
| Emergency Card Replacement Fee when overseas (through VISA) |
NA |
As per VISA Global Customer Assistance Services (GCAS). |
NA |
| Duplicate Statement Fee |
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 350) |
30% of Min. Amt. Due (Min. Rs 100, Max. Rs 300) |
| Over Limit Penalty |
Rs 100 |
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 |
| Outstation Cheque Fee |
Rs 50 |
Rs 50 |
Rs 50 |
| Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds |
Rs 300 |
Rs 300 |
Rs 300 |
| Surcharge on purchase or cancellation of Railway Tickets |
NA |
As prescribed by IRCTC/Indian Railways |
NA |
| Petrol Transaction Charge |
NA |
2.5% or Rs 10 whichever is higher |
Waived at select HPCL Petrol Pumps. At other pumps 2.5% or Rs 10 whichever is higher |
| Foreign Currency Transaction Fee |
NA |
3.5% of transaction amount |
NA |
| Mobile Alerts for Transactions |
Waived |
Waived |
Waived |
| Hotlisting Charges |
Nil |
Nil |
Nil |
| Balance Enquiry Charges |
Waived |
Waived |
Waived |
|
| Debit Cards |
 |
Fees and Charges
| Charges |
Visa Debit Card |
MasterCard Debit Card |
Priority Banking
Platinum Chip Debit Card |
Gold Debit Card |
Inter- national |
Priority Banking |
Smart Privilege |
Power Salute |
NRI Domestic |
NRI Inter- national |
Business Gold |
Inter- national |
Gold Plus |
| Issuance Charges |
Rs 1000 |
Rs 250 |
Rs 95 |
Nil |
Rs 50 |
Nil |
Rs 95 |
Rs 95 |
Rs 250 |
Rs 95 |
Rs 500 |
| Annual Charges |
Rs 500 |
Rs 250 |
Rs 100 |
Nil |
Rs 150 |
Nil |
Rs 100 |
Rs 100 |
Rs 250 |
Rs 100 |
Rs 250 |
| Replacement Charges |
Rs 500 |
Rs 250 |
Rs 100 |
Rs 100 |
Rs 100 |
Rs 100 |
Rs 100 |
Rs 100 |
Rs 250 |
Rs 100 |
Rs 500 |
| Duplicate PIN |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
Rs 50 |
| Domestic Cash Withdrawal |
Free |
| Domestic Balance Inquiry |
Free |
| International Cash Withdrawal |
Rs 125 |
| International Balance Inquiry |
Rs 25 |
Balance Inquiry & Cash Withdrawal Transactions are free on all Axis Bank ATMs
With effect from April 1, 2009, additional charges, as applicable, can be levied by the acquiring bank in case of international ATM cash withdrawal transactions. These charges will be in addition to the charges levied by Axis Bank for international ATM cash withdrawal transactions.
A cross-currency mark-up of 3% will be levied in case of all international cash withdrawal and purchase transactions.
Annual fees will be charged to the customers whose cards get closed before the end of the card year on a pro-rata basis.
Starting February 1, 2010, charges* will be applicable on the usage of various Axis Bank Debit Card variants for domestic non-Axis Bank ATM cash withdrawal transactions as per the following table :
| Debit Cards |
Charges on first 5 ATM transactions of the month |
Charges on per transaction from 6th ATM transaction onwards of the month |
| Business Gold |
Free
|
Rs 20
|
| Visa International |
Free
|
Rs 20
|
| MasterCard International |
Free
|
Rs 20
|
| Smart Privilege |
Free
|
Rs 20
|
| Power salute |
Free
|
Rs 20
|
| NRI Domestic |
Free
|
Rs 20
|
| NRI International |
Free
|
Rs 20
|
| Debit Cards |
Charges on first 5 ATM transactions of the month |
Charges on per transaction from 6th ATM transaction onwards of the month |
| Visa Gold |
Free
|
Free
|
| Priority Banking |
Free
|
Free
|
| Gold Plus |
Free
|
Free
|
| Priority Banking Platinum Chip Debit Card |
Free
|
Free
|
* All charges are inclusive of Service Tax.
|
Link to RBI website on service charges and fees.