| Description |
Charges |
| Standard Joining Fee |
Rs. 500 (Waived on spends of Rs. 5,000 within 45 days of card setup), for cards setup on or after February 07, 2011
Nil, for cards setup before February 07, 2011
|
| Standard Annual Fee |
From 2nd year: Rs. 200 (Waived on spends of Rs. 1,00,000 in the preceding year), for cards set up on or after February 07, 2011
Nil, for cards setup before February 07, 2011
|
| Standard Add-on Card Joining Fee |
Rs 100, for cards setup before February 07, 2011
Nil, for cards setup on or after February 07, 2011
|
| Standard Add-on Card Annual Fee |
Nil |
| Finance Charges (Retail Purchases & Cash) |
3.40% per month (49.96% per annum) |
| Cash Withdrawal Fees |
2.5% (Min. Rs 500) of the Cash Amount |
|
Fee for Cash Payment
|
Rs. 100/-
|
| Card Replacement (lost or stolen or re-issue) |
Nil |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services (GCAS). |
| Duplicate Statement Fee |
Waived |
| Overdue Penalty or Late Payment Fee |
Nil if Total Payment Due is less than 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
|
| Over Limit Penalty |
2.5% of over the limit amount (Min. Rs. 500) |
| Charge Slip Retrieval Fee or Copy Request Fee |
Waived |
| Outstation Cheque Fee |
Waived |
| Cheque return or dishonour Fee or Auto-debit Reversal Bank A/c out of Funds |
2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,527 |
| Surcharge on purchase or cancellation of Railway Tickets |
As prescribed by IRCTC/Indian Railways |
| Fuel Transaction Surcharge |
1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000) |
| Foreign Currency Transaction Fee |
3.50% of the transaction value |
| Mobile Alerts for Transactions |
Waived |
| Hotlisting Charges |
Nil |
| Balance Enquiry Charges |
Waived |
| Reward Redemption fee |
Yes |
