Service Charges and Fees

Currents Accounts

Please click to view the Complete list of Fees and service charges

Introduction on Fees on Cash Deposit transactions done at CDM
Effective 1st Sept 19 , TDS of 2% is applicable on cash withdrawal exceeding Rs.1 crore in a financial year
Service Charges and Fees for Current Accounts effective from 1st April 2019
Current Account for Banks
Brokers- Capital Current Account
Exporter/Importer Business Global Current Account
Current Account For Large Retailers And Distributors
Current account for Societies
Local Current Account
Current Account ARTHIYAS
Pharmacists, Druggists & Chemists
Sweeps Current Account
Co-operative Bank with CTS Sub Membership (CACTS)
Credit Co-operative Society (CACOS)
Credit Co-operative Society (INCOS)
Co-operative Bank without CTS Sub Membership (CACOB)
Power of Attorney
Krishi Current Account

To view the revised charges for ECS Failure, Account Closure, DD Revalidation, DD cancellation and Physical Statement effective 1st Oct 2015, Click Here

Disclaimer: Physical statements will not be sent for the current account where there are no transactions consecutively for 6 months

Savings Accounts

Click here for Complete list of service fees and charges.

NRI

Easy Accounts

Click here to know more about the schedule of charges

Prime Accounts

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Mariner Accounts

Click here to know more about the schedule of charges.

Priority Accounts

Click here to know more about the schedule of charges.

PIS Accounts

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Loans

Home Loans

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Loan Against Property

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Personal Loan

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Loan Against Security

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Vehicle Loan

Please click here to know more

Education Loan

Please click here to know more

Small Business Banking (SBB)

Sr. No	Nature of fee / charges	Cash Credit	Overdraft	Merchant Loan - Overdraft	Secured Term Loan	Unsecured Business Loan
1	Processing Fees	Upto 1.25% + Taxes applicable	Upto 1.25% + Taxes applicable	Upto 2.00% + Taxes applicable	Upto 1.25% + Taxes applicable	Upto 2.00% + Taxes applicable
2	Login Non Refundable Processing Fee	5000/- + Taxes applicable	5000/- + Taxes applicable	NA	5000/- + Taxes applicable	NA
3	Renewal Processing Fee	Upto 1.00% + Taxes applicable	Upto 1.00% + Taxes applicable	Upto 1.00% + Taxes applicable	NA	NA
4	Stamp Duty & other statutory document charges	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state
5	ROC filing charges	Rs. 1200/- + Taxes applicable	Rs. 1200/- + Taxes applicable	Rs. 1200/- + Taxes applicable	Rs. 1200/- + Taxes applicable	NA
6	Non submission of stock statement	2% +Taxes applicable of the outstanding amount from the date of default	NA	NA	NA	NA
7	Non submission of property/stock insurance	2% Additional rate of interest on the amount outstanding	2% Additional rate of interest on the amount outstanding	NA	2% Additional rate of interest on the amount outstanding	NA
8	Cheque book issuance charge	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	NA	NA
9	Cheque Bounce	Rs. 500/- per instance +Taxes applicable	Rs. 500/- per instance +Taxes applicable	Rs. 500/- per instance +Taxes applicable	Rs. 500/- per instance +Taxes applicable	Rs. 500/- per instance +Taxes applicable
10	Penal Interest	2.00% p.a. additional on existing Rate of Interest	2.00% p.a. additional on existing Rate of interest	2.00% p.a. additional on existing Rate of interest	2.00% p.a. additional on existing Rate of interest	2.00% p.m. on the amount of overdue installment
11	No dues certificate/ No objection certificate	RS. 150 + Taxes applicable	RS. 150 + Taxes applicable	RS. 150 + Taxes applicable	RS. 150 + Taxes applicable	RS. 150 + Taxes applicable
12	CERSAI Charges	RS. 100/- + Taxes applicable	RS. 100/- + Taxes applicable	RS. 100/- + Taxes applicable	RS. 100/- + Taxes applicable	NA
13	Prepayment/Foreclosure Charges	2% Of Sanction Limit	2% Of Sanction Limit	2% Of Sanction Limit	2% of Principal Outstanding	Up to 24 months - 4% of principle outstanding at the time of prepayment + GST as applicable 25 - 36 months - 3% of principle outstanding at the time of prepayment + GST as applicable > 36 months - 2% of principle outstanding at the time of prepayment + GST as applicable
14	Part Pre-payment charges	Nil	Nil	Nil	1% of pre-paid amount	2% charge plus GST will be levied on amount prepaid.

Product	Service	Charges
Letter of Credit (Inland)	Opening of Sight LC	1% of the LC value (All inclusive)
	Opening of Usance LC (upto 3 months)	1.5% of the LC value (All inclusive)
	Opening of Usance LC (over 3 months)	1.50% of the LC value for the first three months plus 0.60% pm in excess of three months (all inclusive)
Letter of Credit (Import)	Opening of Sight LC (upto 10 days)	0.185% of the LC amount + commitment charges + swift charges
	Opening of Usance LC (over 10 days upto 3 months)	0.20% of the LC amount + commitment charges + swift charges
	Opening of Usance LC (over 3 months)	0.36% of the LC amount for first 3 months plus 0.15% pm for period over 3 months + commitment charges + swift charges
Bank Guarantee	Performance Guarantee	1.75% p.a. Minimum Rs.1500/-
Bank Guarantee	Financial Guarantee	2.00% p.a. Minimum Rs.1500/-
Foreign Bank Guarantee	Performance or Financial	2.50% p.a. subject to minimum of Rs 1000/- plus swift/ courier charges

Click here for more detailed charges

Agricultural Loans

Sr. No	Nature of fee / charges	Kisan Credit Card			Commodity / Farm Produce Power	Cattle Power	AGPRO Power	Kisan Mitra & Arthia Power
Sr. No	Nature of fee / charges	Cash Credit	Term Loan	Overdraft	Commodity / Farm Produce Power	Cattle Power	AGPRO Power	Kisan Mitra & Arthia Power
1	Processing Fees	Upto 1.50% (plus taxes) of the facility amount	Upto 1.00% (plus taxes) of the facility amount	Upto 1.00% (plus taxes) of the facility amount	Upto 1.00% (plus taxes) of the loan amount	Up to 1.00% (plus taxes) of the loan amount	Up to 1.00% (plus taxes) of the loan amount	Upto 0.75% (plus taxes) of loan amount
2	Stamp Duty & other statutory document charges	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state	As per applicable laws of state
3	Legal & Technical Charges	Upto Rs. 5000/- each	Upto Rs. 5000/- each	Upto Rs. 5000/- each	Nil	Upto Rs. 5000/- each	Upto Rs. 5000/- each	Upto Rs. 5000/- each
4	Cheque book issuance charge	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf	First 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leaf
5	Cheque Bounce	Rs. 500/- per instance +GST	Rs. 500/- per instance +GST	Rs. 500/- per instance +GST	Nil	Rs. 500/- per instance +GST	Rs. 500/- per instance +GST	Rs. 500/- per instance +GST
6	Penal Interest	15% per annum will be applicable in case of any default	24% per annum will be applicable in case of any default	24% per annum will be applicable in case of any default	6% per annum will be applicable in case of any default	6% per annum will be applicable in case of any default	6% per annum will be applicable in case of any default	6% per annum will be applicable in case of any default
7	Prepayment/Foreclosure charge	4% on sanction limit (Closure within 1 year of account opening)	Nil	4% on sanction limit (Closure within 1 year of account opening)	0.50% of the amount , if closed within 30 days	Nil	Nil	Nil
8	Legal/Collection/Repossession and incidental charges are those expenses that are not budgeted or specified but are incurred by the bank on behalf of the customer	As per actuals	As per actuals	As per actuals	As per actuals	As per actuals	As per actuals	As per actuals
9	No dues certificate/ No objection certificate	Nil	Nil	Nil	Nil	Nil	Nil	Nil
11	Non submission of stock statement	Nil	Nil	Nil	Nil	Nil	6% (plus taxes) of the outstanding amount from the date of default	6% (plus taxes) of the outstanding amount from the date of default
10	ROC filing charges	Rs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days	Rs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days	Rs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days	NA	Rs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days	Rs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days	Rs. 1200/- per filing +GST if filed within 30 days. Additional penalty will be levied after 30 days
12	Non submission of property/stock insurance	15% Additional rate of interest on the amount outstanding	24% Additional rate of interest on the amount outstanding	24% Additional rate of interest on the amount outstanding	NA	6% Additional rate of interest on the amount outstanding	6% Additional rate of interest on the amount outstanding	6% Additional rate of interest on the amount outstanding

Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable).

Corporate Credit

Click here for revised schedule of charges effective from 01.06.2019.

Credit Cards

Fees and Charges for Privée Infinite, Wealth Signature and Signature Credit Cards

Charges	Privée Infinite Credit Card	Wealth Signature Credit Card	Signature Credit Card
Standard Joining Fee	Nil	Nil	Nil
Standard Annual Fee	Nil	Nil	Nil
Standard Add-on Card Joining Fee	Nil	Nil	Nil
Standard Add-on Card Annual Fee	Nil	Nil	Nil
Finance Charges (Retail Purchases & Cash)	2.95% per month (41.75% per annum)	2.95% per month (41.75% per annum)	2.95% per month (41.75% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment	Rs. 50/-	Rs. 50/-	Rs. 50/-
Card Replacement (lost or stolen or re-issue)	Waived	Waived	Waived
Emergency Card Replacement Fee when overseas (through VISA)	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee	Waived	Waived	Waived
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived	Waived
Outstation Cheque Fee	Waived	Waived	Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value
Mobile Alerts for Transactions	Waived	Waived	Waived
Hotlisting Charges	Waived	Waived	Waived
Balance Enquiry Charges	Waived	Waived	Waived

Fees and Charges for Platinum Advantage, Platinum, Titanium, Gold, Silver Credit Cards

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request

Fees and Charges for My Choice, My Zone, My Wings, My Business Credit Cards

Charges	My Choice	My Zone	My Wings	My Business
Standard Joining Fee	Rs. 250 (For My Choice Image personalization fee Rs. 150)	Rs. 500 waived upon spends of Rs 5000 in 45 days	Rs. 1200	Rs. 999
Standard Annual Fee	1st year :Nil and 2nd year onwards :250	1st year :Nil and 2nd year onwards :Rs. 500	1st year :Nil and 2nd year onwards :Rs. 500	1st year :Nil and 2nd year onwards :Rs. 499
Standard Add-on Card Joining Fee	Nil (For My Choice Image personalization fee Rs. 150)	Nil	Nil	Nil
Standard Add-on Card Annual Fee	Nil	Nil	Nil	Nil
Finance Charges (Retail Purchases & Cash)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment	Rs. 100/-	Rs. 100/-	Rs. 100/-	Rs. 100/-
Card Replacement (lost or stolen or re-issue)	Other Card : Nil Image Card : Rs 150	Waived	Waived	Waived
Emergency Card Replacement Fee when overseas (through VISA / MasterCard)	As per Master Card Emergency Services	As per VISA Global Customer Assistance Services (GCAS)	As per Master Card Emergency Services	As per VISA Global Customer Assistance Services (GCAS)
Duplicate Statement Fee	Waived	Waived	Waived	Waived
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived	Waived	Waived
Outstation Cheque Fee	Waived	Waived	Waived	Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge waiver	N/A	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value
Mobile Alerts for Transactions	Free	Free	Free	Free
Hotlisting Charges	Nil	Nil	Nil	Nil
Balance Enquiry Charges	Waived	Waived	Waived	Waived

Fees and Charges for Vistara Infinite, Vistara Signature, Vistara Credit Cards

Charges	Vistara Card	Vistara Signature	Vistara Infinite
Standard Joining Fee	Rs. 1,500	Rs. 3,000	Rs. 10,000
Standard Annual Fee (2nd year onwards)	Rs. 1,500	Rs. 3,000	Rs. 10,000
Standard Add-on Card Joining Fee	Nil	Nil	Nil
Standard Add-on Card Annual Fee	Nil	Nil	Nil
Finance Charges (Retail Purchases & Cash)	2.95% per month (41.75% per annum)	2.95% per month (41.75% per annum)	2.95% per month (41.75% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment	INR 100/-	INR 100/-	INR 100/-
Card Replacement (lost or stolen or re-issue)	Waived	Waived	Waived
Duplicate Statement Fee	Waived	Waived	Waived
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the overlimit amount (Min. INR 500)	3% of the overlimit amount (Min. INR 500)	3% of the overlimit amount (Min. INR 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived	Waived
Outstation Cheque Fee	Waived	Waived	Waived
Cheque return or dishonour Fee or Auto-debit ReveINRal	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	N.A	N.A	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value
Mobile Alerts for Transactions	Waived	Waived	Waived
Hotlisting Charges	Waived	Waived	Waived
Balance Enquiry Charges	Waived	Waived	Waived

Fees and Charges for Buzz and Neo Credit Cards

Descriptions	Buzz Credit Card Charges	Neo Credit Card Charges
Joining Fee	Rs.750	Rs.250 Waived upon spends of Rs.2500 in 45 days
Annual Fee	1st Year: 2nd Year onwards: Nil Rs. 750	1st Year: 2nd Year onwards: Nil Rs. 250
Add-on Card Joining Fee	Nil	Nil
Add-on Card Annual Fee	Nil	Nil
Card Replacement Fee(lost or stolen or re -issue)	Waived	Waived
Cash Payment Fee	Rs. 100/-	Rs. 100/-
Duplicate Statement Fee	Waived	Waived
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived
Outstation Cheque Fee	Waived	Waived
Mobile Alerts for Transactions	Free	Free
Hotlisting Charges	Nil	Nil
Balance Enquiry Charges	Waived	Waived
Finance Charges (Retail Purchases & Cash)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the over limit amount (Min. Rs 500)	3% of the over limit amount (Min. Rs 500)
Cheque return or dishonour Fee or Auto-debit Reversal	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	1% of the transaction amount	1% of the transaction amount
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value
Service Tax	As per existing Government norms	As per existing Government norms

Fees and Charges for Easy Credit Card

Charges	Easy
Charges	Platinum Advantage	Platinum	Gold	Silver
Standard Joining Fee	Rs. 1000	Nil	Nil	Nil
Standard Annual Fee	Rs. 500 pa	Nil	Rs. 100 from Year 2	Nil
Standard Add-on Card Joining Fee	Nil	Rs. 100	Rs. 100	Nil
Standard Add-on Card Annual Fee	Nil	Nil	Nil	Nil
Finance Charges (Retail Purchases & Cash)	1.95% p.m.	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment	Rs. 100/- (Effective March 01, 2014)	Rs. 100/- (Effective March 01, 2014)	Rs. 100/- (Effective March 01, 2014)	Rs. 100/- (Effective March 01, 2014)
Card Replacement (lost or stolen or re-issue)	Waived	Waived	Waived	Waived
Emergency Card Replacement Fee when overseas (through VISA)	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee	Waived	Waived	Waived	Waived
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived	Waived	Waived
Outstation Cheque Fee	Waived	Waived	Waived	Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Petrol Transaction Surcharge	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value
Mobile Alerts for Transactions	Waived	Waived	Waived	Waived
Hotlisting Charges	Nil	Nil	Nil	Nil
Balance Enquiry Charges	Waived	Waived	Waived	Waived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request.

Fees and Charges for Corporate Credit Cards

Charges	Corporate
Charges	Corporate Liability	Individual Liability
Standard Joining Fee	As agreed with company	As agreed with company
Standard Annual Fee	As agreed with company	As agreed with company
Standard Add-on Card Joining Fee	NA	Nil
Standard Add-on Card Annual Fee	NA	Nil
Finance Charges (Retail Purchases & Cash)	NA	2.95% Per month (41.75% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment	Nil	Rs. 50/-
Card Replacement (lost or stolen or re-issue)	Nil	Nil
Emergency Card Replacement Fee when overseas (through VISA)	As per VISA Global Customer Assistance Services(GCAS)	As per VISA Global Customer Assistance Services(GCAS)
Duplicate Statement Fee	Waived	Waived
Overdue Penalty or Late Payment Fee	3% of the total amount due(Min. Rs. 350)	Rs. 300 if Total Payment Due is up to Rs. 2000 Rs. 400 if Total Payment Due is between Rs. 2001 - Rs. 5000 Rs. 600 if Total Payment Due is Rs. 5001 or more
Over Limit Penalty	3% of the Overlimit Amount (Min Rs. 300)	3% of the Overlimit Amount (Min Rs. 500)
Chargeslip Retrieval Fee or Copy Request Fee	Rs 200	Rs 200
Outstation Cheque Fee	Waived	Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	Rs. 300	Rs. 300
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Petrol Transaction Charge	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.5% of the transaction value	3.5% of the transaction value
Mobile Alerts for Transactions	Waived	Waived
Hotlisting Charges	Nil	Nil
Balance Enquiry Charges	Waived	Waived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request.

Fees and Charges for Trust, Shriram Credit Cards

Charges	Trust Chemist Credit Card	Shriram Credit Card
Standard Joining Fee	Nil	500 (incl of taxes)
Standard Annual Fee	Nil	Rs 300
Standard Add-on Card Joining Fee	Nil	NA
Standard Add-on Card Annual Fee	Nil	NA
Finance Charges (Retail Purchases & Cash)	2.95% Per month (41.75% per annum)	2.95% Per month (41.75% per annum)
Cash Withdrawal Fees	2.5% (Min. Rs 250) of the Cash Amount	2.5% (Min Rs 100)
Fee for Cash Payment	Nil	Nil
Card Replacement (lost or stolen or re-issue)	Rs 100	Rs 250
Emergency Card Replacement Fee when overseas (through VISA)	As per VISA Global Customer Assistance Services (GCAS).	NA
Duplicate Statement Fee	Rs 50	Rs 50
Overdue Penalty or Late Payment Fee	Rs. 300 if Total Payment Due is up to Rs. 2000 Rs. 400 if Total Payment Due is between Rs. 2001 - Rs. 5000 Rs. 600 if Total Payment Due is Rs. 5001 or more	30% of Min. Amt. Due (Min. Rs 100, Max. Rs 300)
Over Limit Penalty	3% of the Overlimit Amount (Min Rs 500)	3% of the Overlimit Amount (Min Rs 300)
Chargeslip Retrieval Fee or Copy Request Fee	Rs 200	Rs 200
Outstation Cheque Fee	Rs 50	Rs 50
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	Rs 300	Rs 300
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	NA
Petrol Transaction Charge	1% of transaction amount	1% of transaction amount
Foreign Currency Transaction Fee	3.5% of transaction amount	NA
Mobile Alerts for Transactions	Waived	Waived
Hotlisting Charges	Nil	Nil
Balance Enquiry Charges	Waived	Waived

With effect from February 21, 2011, PlusPoint Redemption fee of Rs. 30 will be charged for each redemption request.

Fees and Charges for Magnus Credit Card

Charges	Magnus
Standard Joining Fee	Rs. 10,000+GST
Standard Annual Fee (2nd year onwards)	Rs. 10,000+GST
Standard Add-on Card Joining Fee	Nil
Standard Add-on Card Annual Fee	Nil
Finance Charges (Retail Purchases & Cash)	2.5% per month (34.49% per annum)
Cash Withdrawal Fees	Nil
Fee for Cash Payment	INR 100/-
Card Replacement (lost or stolen or re-issue)	Waived
Overdue Penalty or Late Payment Fee	Rs. 300 if Total Payment Due is upto Rs.2000 Rs. 400 if Total Payment Due is between Rs. 2001 - Rs.5000 Rs. 600 if due-amount is more than Rs.5,000
Over Limit Penalty	3% of the over-limit amount (Min. INR 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived
Outstation Cheque Fee	Waived
Cheque return or dishonour Fee or Auto-debit Reversal	2% of the payment amount subject to minimum Rs.450
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 to Rs.4000. Maximum benefits up to Rs.400 per month)
Foreign Currency Transaction Fee	2.0% of the transaction value
Mobile Alerts for Transactions	Waived
Foreign Currency Transaction Fee	3.5% of the transaction value
Mobile Alerts for Transactions	Waived
Hotlisting Charges	Waived
Balance Enquiry Charges	Waived

Fees and Charges on Miles and More Axis Bank World and World Select Credit Cards

Charges	Miles and More Axis Bank World Card	Miles and More Axis Bank World Select Card
Standard Joining Fee	Rs. 3,500+GST	Rs. 10,000+GST
Standard Annual Fee	Rs. 3,500+GST	Rs. 4,500+GST
Standard Add-on Card Joining Fee	Nil	NA
Standard Add-on Card Annual Fee	Nil	NA
Finance Charges (Retail Purchases & Cash)	2.95% Per month (41.75% per annum)	2.95% Per month (41.75% per annum)
Cash Withdrawal Fees	2.95% per month (41.75% per annum)	2.95% per month (41.75% per annum)
Fee for Cash Payment	INR 100/-	INR 100/-
Card Replacement (lost or stolen or re-issue)	Waived	Waived
Duplicate Statement Fee	Waived	Waived
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the over-limit amount (Min. INR 500)	3% of the over-limit amount (Min. INR 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived
Outstation Cheque Fee	Waived	Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	1% of transaction amount (Refunded for fuel transactions between Rs.400 to Rs.4000. Maximum benefits up to Rs.400 per month)	1% of transaction amount (Refunded for fuel transactions between Rs.400 to Rs.4000. Maximum benefits up to Rs.400 per month)
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value
Mobile Alerts for Transactions	Waived	Waived
Hotlisting Charges	Waived	Waived
Balance Enquiry Charges	Waived	Waived

Fees and Charges for Reserve Credit Card

Charges	Reserve
Standard Joining Fee	Rs. 30,000+GST
Standard Annual Fee (2nd year onwards)	Rs. 30,000+GST
Standard Add-on Card Joining Fee	Nil
Standard Add-on Card Annual Fee	Nil
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 for all other cards
Fee for Cash Payment	INR 100/-
Card Replacement (lost or stolen or re-issue)	Waived
Duplicate Statement Fee	Waived
Overdue Penalty or Late Payment Fee	Rs. 300 if Total Payment Due is upto Rs.2000 Rs. 400 if Total Payment Due is between Rs. 2001 - Rs.5000 Rs. 600 if due-amount is more than Rs.5,000
Over Limit Penalty	3% of the over-limit amount (Min. INR 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived
Outstation Cheque Fee	Waived
Cheque return or dishonour Fee or Auto-debit Reversal	2% of the payment amount subject to minimum Rs.450
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 to Rs.4000. Maximum benefits up to Rs.400 per month)
Foreign Currency Transaction Fee	3.5% of the transaction value
Mobile Alerts for Transactions	Waived
Foreign Currency Transaction Fee	3.5% of the transaction value
Mobile Alerts for Transactions	Waived
Hotlisting Charges	Waived
Balance Enquiry Charges	Waived
Balance Enquiry Charges	Waived

Charges	Platinum Advantage	Platinum	Titanium/Gold	Silver
Standard Joining Fee	Rs 1000	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	Rs. 250 (Waived on spends of Rs. 2500 within 45 days of card setup), for cards setup on or after February 07, 2011 Nil, for cards setup before February 07, 2011	Nil
Standard Annual Fee	Rs 500	Rs.200 (from 2nd year onwards. Waived on spends of Rs. 100000 in the preceding year), for cards setup on or after February 07, 2011 Nil, for cards setup before February 07, 2011	Rs.100 (from 2nd year onwards. Waived on spends of Rs. 50000 in the preceding year), for cards setup on or after February 07, 2011 Nil, for cards setup before February 07, 2011	Nil
Standard Add-on Card Joining Fee	Nil	Rs 100, for cards setup before February 07, 2011 Nil, for cards setup on or after February 07, 2011	Rs 100, for cards setup before February 07, 2011 Nil, for cards setup on or after February 07, 2011	Nil
Standard Add-on Card Annual Fee	Nil	Nil	Nil	Nil
Finance Charges (Retail Purchases & Cash)	3.25% per month ( 46.78% per annum)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)	3.4% per month (49.36% per annum)
Cash Withdrawal Fees	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500	2.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment	Rs. 100/- (Effective March 01, 2014)	Rs. 100/- (Effective March 01, 2014)	Rs. 100/- (Effective March 01, 2014)	Rs. 100/- (Effective March 01, 2014)
Card Replacement (lost or stolen or re-issue)	Waived	Waived	Waived	Waived
Emergency Card Replacement Fee when overseas (through VISA)	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).	As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee	Waived	Waived	Waived	Waived
Overdue Penalty or Late Payment Fee	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000	Nil if the amount 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 due-amount is between Rs. 1,001 - Rs. 5,000 Rs. 600 if due-amount is between Rs. 5,001 - Rs. 10,000 Rs. 700 if due-amount is more than Rs. 10,000
Over Limit Penalty	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)	3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request Fee	Waived	Waived	Waived	Waived
Outstation Cheque Fee	Waived	Waived	Waived	Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450	2% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value	3.50% of the transaction value
Mobile Alerts for Transactions	Waived	Waived	Waived	Waived
Hotlisting Charges	Nil	Nil	Nil	Nil
Balance Enquiry Charges	Waived	Waived	Waived	Waived

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