| Description |
Charges |
| Joining Fee |
Rs. 499
Joining Fee reversed upon spends of Rs. 10,000 within 45 days of card issuance
|
| Annual Fee |
2nd year onward: Rs. 499
Annual Fee waived off on annual spends greater than Rs. 2,00,000 |
| Card Replacement fee |
Nil |
| Cash Payment fee |
Rs.100 |
| Duplicate Statement Fee |
Waived |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| Mobile alerts for transactions |
Free
|
| Balance enquiry charges |
Waived |
| Finance Charges (Retail purchases and Cash) | 3.6% per month (52.86% per annum) |
| Cash Withdrawal Fee | 2.5% (Min. Rs. 500) of the cash amount |
| Overdue penalty or Late payment fees |
Nil if total payment Due is upto Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is Rs. 10,001 and above
|
| Over limit penalty | 2.5% of the over limit amount (Min Rs.500) |
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500
|
| Surcharge on purchase or cancellation of railway tickets | As prescribed by IRCTC/Indian Railways |
| Foreign currency transaction fee | 3.5% of the transaction value |
| Reward Redemption fee |
No |
| Rent Transaction fee (Applicable from 5th March 2023) |
1% capped at INR 1,500 per transaction
on rental transactions |
| Dynamic Currency Conversion markup (Applicable from 5th March 2023) |
1% on 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 |
