| Joining Fee | 0 |
| Annual Fee | 0 |
| Add-on Card Joining Fee | Nil |
| Add-on Card Annual Fee | Nil |
| Card Replacement Fee | Nil |
| Cash Payment Fee | Rs. 175 |
| 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 & Cash) | 3.75% per month (55.55% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. Rs. 500) of the cash amount |
| Overdue Penalty or Late Payment Fee | Nil if total payment due is up to Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is greater
than Rs.10,000
An additional charge of Rs. 100 will be levied on missing payment of MAD by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD
is cleared
|
| Over Limit Penalty | 2% of the payment amount subject to minimum of Rs.500 |
| Cheque Return or Dishonour Fee or Auto-debit Reversal | 2% of the payment amount subject to minimum of Rs.500 |
| Surcharge on Purchase or Cancellation of Railway Tickets | As prescribed by IRCTC / Indian Railways |
| Fuel Transaction Surcharge Transaction | 1% of transaction amount (Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Reward Point Redemption fee | yes |
| GST | As per existing Government norms |
| Rent Transaction fee | 1% of transaction amount. GST applicable as notified by Government of India |
| Dynamic Currency Conversion MarkUp | 1.5% Of Transaction Amount Applicable On International Transactions Performed In Indian Currency At International Location Or Transactions Performed In Indian Currency With Merchants Located In India But Registered In Foreign
Nation. GST applicable as notified by Government of India |
| Education Transaction Fee | 1% on each education payments done through third party apps. GST applicable as notified by Government of India |
| Wallet Load Transaction Fee | 1% on cumulative wallet load transactions of Rs. 10,000 or more in a statement cycle. GST applicable as notified by Government of India |
| Fuel Transaction Fee | 1% on cumulative fuel transactions of Rs. 50,000 or more in a statement cycle. GST applicable as notified by Government of India |
| Utility Transaction Fee | 1% on cumulative spends of Rs. 25,000 or more made towards utility payments in a statement cycle within a statement period. GST applicable as notified by Government of India |
| Online skill-based gaming Transaction Fee | 1% on cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement period. GST applicable as notified by Government of India |
Get 4% value back on fuel spends at IndianOil outlets
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