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- FIXED DEPOSIT
  
  Domestic Fixed Deposits
  
  General (1 year < 13 months)
  
  Sr. Citizen (1 year < 13 months)
  
  Less than 1Cr
  
  7.00%
  
  7.50%
  
  1Cr to Less than 5Cr
  
  6.50%
  
  7.00%
  
  Know More
  
  NRI Fixed Deposits
  
  NRO (1 year < 13 months)
  
  NRE (1 year < 13 months)
  
  Less than 1Cr
  
  7.00%
  
  7.00%
  
  1Cr to Less than 5Cr
  
  6.50%
  
  6.50%
  
  Know More
- LOANS
  
  Home (Upto Rs 28 Lac) (Floating)
  
  Loan Against Property
  
  Personal
  
  New Car
  
  MCLR+0.20% - 8.35%* p.a
  
  11.0% - 12.10%* p.a
  
  15.5% - 24%
  
  11% - 12%
  
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- SAVINGS ACCOUNT
  
  4%
  
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- FOREIGN CURRENCY EXCHANGE RATE
  
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- MCLR
  
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eDGE Loyalty Rewards

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Platinum Credit Card

Enjoy exciting privileges along with the benefits
of global emergency assistance

VIEW OFFERS

Cashback on Movie Ticket Purchases

Upto 25% on online and box office ticket purchases

High Security

Unrivalled safety with EMV certified chip credit card

Fuel Surcharge Waiver

On all fuel transactions upto Rs. 400 per month

Convert Purchases to EMI

On transactions of Rs. 2,500 or more through multiple options

Features and Benefits

Description	Charges
Standard Joining Fee	Rs. 500 (Waived on spends of Rs. 5000 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)	3.25% per month(46.78% per annum)
Cash Withdrawal Fees	2.5% (Min. Rs 250) of the Cash Amount
Fee for Cash Payment	Rs. 100/-
Card Replacement (lost or stolen or re-issue)	Waived
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 upto 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. 20000 Rs . 700 if Total Payment Due is Rs. 20001 and above
Over Limit Penalty	3% of the overlimit amount (Min. Rs 500)
Chargeslip 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	Rs 300
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

Urgent And Important:

With effect from March 1, 2012, a convenience fee* of Rs. 50 per payment will be charged for cash payment of credit card bills at our branches
*The charges will reflect in the next billing cycle along with the service taxes applicable
For Platinum Advantage Credit Card Holders, effective from January 1, 2012, the annual fee will be reduced to Rs. 200 from Rs. 500. In light of the same, the cashback offers on dining and fuel spends will be discontinued; whereas the 25% cashback on movie spends (with a limit of Rs. 1,000 per calendar year) and 1 % surcharge waiver on fuel spends will remain.