| Description |
Charges |
| Joining fee |
INR 749 |
| Annual Fee |
2nd year onwards: INR 749 |
| Add-on card joining fee |
Nil |
| Add-on card annual fee |
Nil |
| Card replacement fee (lost or stolen or re-issue) |
Waived |
| Cash payment fee |
INR 100 |
| Duplicate Statement fee |
Waived |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| Mobile alerts for transactions |
Free |
| Hotlisting charges |
Nil |
| Balance enquiry charges |
Waived |
| Finance charges (Retail purchases and cash) |
3.4% per month (49.36% per annum) |
| Cash withdrawal fees |
3.4% (Min. Rs. 500) of the cash amount |
| Overdue penalty or Late payment fees |
Nil if Total Payment Due is up to Rs. 300
Rs. 100 if total payment due is between Rs. 301 - Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 1,000
Rs. 500 if total payment due is between Rs. 1,001 - Rs. 10,000
Rs. 750 if total payment due is between Rs. 10,001 - Rs. 25,000
Rs. 1000 if total payment due is between Rs. 25,001 and 50,000
Rs. 1000 if total payment due is greater than Rs.50,000
|
| 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 |
| Surcharge on purchase or cancellation of railway tickets |
As prescribed by IRCTC/Indian Railways |
| Foreign currency transaction fee |
3.5% of the transaction value |
| G.S.T |
As per existing government norms |
