| Signature Credit card with Lifestyle Benefits |
Charges |
| Standard Joining Fee |
Rs. 5000 (Special invitation price – Rs. 3000)
|
| Standard Annual Fee (2nd year onwards) |
Rs. 3000 (Waived on achievement of spends threshold of Rs. 3 Lakhs in the preceding year)
|
| Standard Add-on Card Joining Fee |
Nil |
| Standard Add-on Card Annual Fee |
Nil |
| Membership to the Priority Pass Program for Primary Cardholder |
Complimentary |
| Membership to the Priority Pass Program for Add-On customer |
USD 99 |
| Finance Charges (Retail Purchases & Cash) |
3.75% per month (55.55% per annum) |
| Cash Withdrawal Fees |
2.5% (Min. Rs. 250) of the Cash Amount |
| Fee for Cash Payment |
Rs. 175/- |
| Card Replacement |
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
Additional INR 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared.
|
| Over Limit Penalty |
2.5% of the overlimit amount (Min. Rs. 500) |
| Charge Slip Retrieval Fee or Copy Request Fee |
Waived |
| Outstation Cheque Fee |
Waived |
| Cheque return or dishonor fee or auto-debit reversal |
2% of the payment amount subject to Min. Rs.500 |
| 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 |
| Rent Surcharge Fee* |
1% of the rental transaction amount plus taxes |
| Dynamic Currency Conversion markup fee** |
1.5% of each international transaction plus taxes |
| Mobile Alerts for Transactions |
Waived |
| Hotlisting Charges |
Waived |
| Balance Enquiry Charges |
Waived |
| Reward Redemption fee |
Waived
|
| Wallet load transaction fee |
1% fee on cumulative spends of Rs.10,000 or more on wallet loads per statement cycle |
| Fuel transaction fee |
1% fee on cumulative spends of Rs.50,000 or more on fuel transactions per statement cycle |
| Education transaction fee |
1% fee on education payments made via third party apps |
| Utility transaction fee |
1% fee on cumulative spends of Rs. 25,000 or more on utilities per statement cycle |
| Online skill-based gaming transaction fee |
1% fee on cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement cycle |
