My Zone Credit Card |
Charges |
Joining Fee |
Rs. 500
|
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) |
3.6% per month (52.86% 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. 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 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 |