Fees & Charges for MY Zone Credit Card

The fees and charges for My Zone Credit Card are applicable to all card holders. The My Zone Credit Card fees include cash payment fee, joining fee and an annual fee.

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 (lost or stolen or re-issue)	Waived
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)	3.25% per month (46.78% 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. 100 Rs. 100 if Total Payment due is between Rs. 101 - Rs. 300 Rs. 300 if Total Payment due is between Rs. 301 - Rs. 1000 Rs. 500 if Total Payment due is between Rs. 1001 - Rs. 5000 Rs. 600 if Total Payment due is between Rs. 5001 - Rs. 20,000 Rs. 700 if Total Payment due is Rs. 20,001 and above
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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Fees & Charges for MY Zone Credit Card

A credit card which is easy on your pocket

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A credit card which is
easy on your pocket