| My Zone Credit Card |
Charges |
| Joining Fee |
Rs. 500 Waived upon spends of Rs. 5,000 in 45 days
|
| Annual Fee |
1st Year: Nil
2nd Year onwards: Rs. 500
|
| Add-on Card Joining Fee |
Nil |
| Add-on Card Annual Fee |
Nil |
| Card Replacement Fee |
Rs. 100 |
| 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 |
| Hotlisting Charges |
Nil |
| Balance Enquiry Charges |
Waived |
| Finance Charges (Retail Purchases & Cash) |
3.4% per month (49.36% 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. 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. 750 if total payment due is between Rs. 1,001 - Rs. 10,000
Rs. 950 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. 1200 if total payment due is greater than Rs.50,000
|
| Over Limit Penalty |
3% of the overlimit amount (Min. Rs 500) |
| Cheque Return or Dishonour 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 |
| 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 |
Nil |
| GST |
As per existing Government norms |
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