| Descriptions |
Charges |
| Joining Fee |
Nil
|
| Annual Fee |
1st Year: Nil
2nd Year onwards: Rs. 250 (Waived on spends of Rs. 20,000 in the preceding year)
|
| Add-on Card Joining Fee |
Nil |
| Add-on Card Annual Fee |
Nil |
| Card Replacement |
Nil |
| 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) |
2.95% per month (41.75% 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 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) |
| Cheque return or dishonour Fee or Auto-debit Reversal |
2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,520 |
| Surcharge on purchase or cancellation of Railway Tickets |
As prescribed by IRCTC/Indian Railways |
| Foreign Currency Transaction Fee |
3.50% of the transaction value |
| EDGE REWARDS Redemption |
Free |
| GST |
As per existing Government norms |
| Reward Redemption fee |
Yes |
