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Services Charges and Fees

Click on the links given below to view the charges. (GST as applicable will be levied on all service charges and would be rounded-off to the next Rupee.)



Savings Accounts


Click here for Complete list of service fees and charges of savings account for Complete list of service fees and charges.


NRI


As per directive from Govt. of India, Ministry of Finance, the waiver of minimum balance fee will be applied from 1st April till 30th June, 2020.

To know more about the schedule of charges Click here to know more about the schedule of charges of prime account.
Revised Transaction fee and limits for Prime accounts not meeting TRV (Total Relationship Value-Threshold based) Click Here

Click here to know more about the schedule of charges of Mariner Accounts to know more about the schedule of charges.
Revised Transaction fee and limits for mariner accounts not meeting TRV (Total Relationship Value-Threshold based) Click Here

 

To know more about the schedule of charges Click here to know more about the schedule of charges of Priority Accounts
Revised Transaction fee and limits for Priority accounts not meeting TRV (Total Relationship Value-Threshold based) Click Here

Click here to know about the charges for your burgundy account to know about the charges for your burgundy account.


Please click here for Home Loans to know more

Sr. NoNature of fee / chargesCash CreditOverdraftMerchant Loan - Overdraft Secured Term LoanUnsecured Business Loan
1Processing FeesUpto 1.25% + Taxes applicableUpto 1.25% + Taxes applicableUpto 2.00% + Taxes applicableUpto 1.25% + Taxes applicableUpto 2.00% + Taxes applicable
2Login Non Refundable Processing Fee5000/- + Taxes applicable5000/- + Taxes applicableNA5000/- + Taxes applicableNA
3Renewal Processing FeeUpto 1.00% + Taxes applicableUpto 1.00% + Taxes applicableUpto 1.00% + Taxes applicableNANA
4Stamp Duty & other statutory document chargesAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of stateAs per applicable laws of state
5ROC filing chargesRs. 1200/- + Taxes applicableRs. 1200/- + Taxes applicableRs. 1200/- + Taxes applicableRs. 1200/- + Taxes applicableNA
6Non submission of stock statement2% +Taxes applicable of the outstanding amount from the date of defaultNANANANA
7Non submission of property/stock insurance2% Additional rate of interest on the amount outstanding2% Additional rate of interest on the amount outstandingNA2% Additional rate of interest on the amount outstandingNA
8Cheque book issuance chargeFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafFirst 100 leaves free (for new borrowal account) and thereafter Rs 2/- per leafNANA
9Cheque BounceRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicableRs. 500/- per instance +Taxes applicable
10Penal Interest2.00% p.a. additional on existing Rate of Interest2.00% p.a. additional on existing Rate of interest2.00% p.a. additional on existing Rate of interest2.00% p.a. additional on existing Rate of interest2.00% p.m. on the amount of overdue installment
11No dues certificate/ No objection certificateRS. 150 + Taxes applicableRS. 150 + Taxes applicableRS. 150 + Taxes applicableRS. 150 + Taxes applicableRS. 150 + Taxes applicable
12CERSAI ChargesRS. 100/- + Taxes applicableRS. 100/- + Taxes applicableRS. 100/- + Taxes applicableRS. 100/- + Taxes applicableNA
13Prepayment/Foreclosure Charges2% 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
14Part Pre-payment charges Nil Nil Nil 1% of pre-paid amount 2% charge plus GST will be levied on amount prepaid.
ProductService Charges
Letter of Credit (Inland)Opening of Sight LC1% 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 GuaranteePerformance Guarantee1.75% p.a. Minimum Rs.1500/-
Financial Guarantee2.00% p.a. Minimum Rs.1500/-
Foreign Bank GuaranteePerformance or Financial2.50% p.a. subject to minimum of Rs 1000/- plus swift/ courier charges

Click here for more detailed of courier charges for more detailed charges

Click Here For Schedule Of Charges.
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 Corporate Credit for revised schedule of charges effective from 01.06.2019.

Trade Finance services – Overseas Branches


Click here for Schedule of Charges – DIFC Branch, Dubai (w.e.f 01.04.2020)

Click here for Schedule of Charges – IBU GIFT City Branch (w.e.f 01.04.2020)

Click here for Schedule of Charges – Singapore Branch (w.e.f 01.04.2020)

ChargesPrivée Infinite Credit CardWealth Signature Credit CardSignature Credit Card
Standard Joining FeeNilNilNil
Standard Annual FeeNilNilNil
Standard Add-on Card Joining FeeNilNilNil
Standard Add-on Card Annual FeeNilNilNil
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 Fees2.5% 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)WaivedWaivedWaived
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 FeeWaivedWaivedWaived
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 Penalty3% 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 FeeWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% 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 TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% 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 Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaived
Hotlisting ChargesWaivedWaivedWaived
Balance Enquiry ChargesWaivedWaivedWaived
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ChargesPlatinum AdvantagePlatinumTitanium/GoldSilver
Standard Joining FeeRs 1000Rs. 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 FeeRs 500Rs.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 FeeNilRs 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 FeeNilNilNilNil
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 Fees2.5% 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)WaivedWaivedWaivedWaived
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 FeeWaivedWaivedWaivedWaived
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 Penalty3% 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 FeeWaivedWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% 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 TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% 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 Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaivedWaived
Hotlisting ChargesNilNilNilNil
Balance Enquiry ChargesWaivedWaivedWaivedWaived

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

ChargesMy ChoiceMy ZoneMy WingsMy Business
Standard Joining FeeRs. 250

(For My Choice Image personalization fee Rs. 150)
Rs. 500 waived upon spends of Rs 5000 in 45 daysRs. 1200Rs. 999
Standard Annual Fee1st year :Nil and 2nd year onwards :2501st year :Nil and 2nd year onwards :Rs. 5001st year :Nil and 2nd year onwards :Rs. 5001st year :Nil and 2nd year onwards :Rs. 499
Standard Add-on Card Joining FeeNil

(For My Choice Image personalization fee Rs. 150)
NilNilNil
Standard Add-on Card Annual FeeNilNilNilNil
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 Fees2.5% 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 PaymentRs. 100/-
Rs. 100/-
Rs. 100/-
Rs. 100/-
Card Replacement (lost or stolen or re-issue)Other Card : Nil
Image Card : Rs 150
WaivedWaivedWaived
Emergency Card Replacement Fee when overseas (through VISA / MasterCard) As per Master Card Emergency ServicesAs per VISA Global Customer Assistance Services (GCAS)As per Master Card Emergency ServicesAs per VISA Global Customer Assistance Services (GCAS)
Duplicate Statement FeeWaivedWaivedWaivedWaived
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 Penalty3% 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 FeeWaivedWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% 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 TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge waiverN/A1% 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 Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsFreeFreeFreeFree
Hotlisting ChargesNilNilNilNil
Balance Enquiry ChargesWaivedWaivedWaivedWaived
ChargesVistara Card Vistara SignatureVistara Infinite
Standard Joining FeeRs. 1,500Rs. 3,000Rs. 10,000
Standard Annual Fee (2nd year onwards)Rs. 1,500Rs. 3,000Rs. 10,000
Standard Add-on Card Joining FeeNilNilNil
Standard Add-on Card Annual FeeNilNilNil
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 Fees2.5% 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 PaymentINR 100/-INR 100/-INR 100/-
Card Replacement (lost or stolen or re-issue)WaivedWaivedWaived
Duplicate Statement FeeWaivedWaivedWaived
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 Penalty3% 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 FeeWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaived
Cheque return or dishonour Fee or Auto-debit ReveINRal 2% of the payment amount subject to minimum Rs.4502% of the payment amount subject to minimum Rs.4502% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction SurchargeN.AN.A1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaived
Hotlisting ChargesWaivedWaivedWaived
Balance Enquiry ChargesWaivedWaivedWaived
DescriptionsBuzz Credit Card ChargesNeo Credit Card Charges
Joining FeeRs.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 FeeNilNil
Add-on Card Annual FeeNilNil
Card Replacement Fee(lost or stolen or re -issue)WaivedWaived
Cash Payment FeeRs. 100/-Rs. 100/-
Duplicate Statement FeeWaivedWaived
Chargeslip Retrieval Fee or Copy Request FeeWaivedWaived
Outstation Cheque FeeWaivedWaived
Mobile Alerts for TransactionsFreeFree
Hotlisting ChargesNilNil
Balance Enquiry ChargesWaivedWaived
Finance Charges (Retail Purchases & Cash)3.4% per month (49.36% per annum)3.4% per month (49.36% per annum)
Cash Withdrawal Fees2.5% 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 Penalty3% 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 Reversal2% of the payment amount subject to minimum Rs.4502% of the payment amount subject to minimum Rs.450
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% of the transaction amount1% of the transaction amount
Foreign Currency Transaction Fee3.50% of the transaction value3.50% of the transaction value
Service TaxAs per existing Government normsAs per existing Government norms
<
ChargesEasy
Platinum Advantage PlatinumGoldSilver
Standard Joining FeeRs. 1000NilNilNil
Standard Annual FeeRs. 500 paNilRs. 100 from Year 2Nil
Standard Add-on Card Joining FeeNilRs. 100 Rs. 100Nil
Standard Add-on Card Annual FeeNilNilNilNil
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 Fees2.5% 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)WaivedWaivedWaivedWaived
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 FeeWaivedWaivedWaivedWaived
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 FeeWaivedWaivedWaivedWaived
Outstation Cheque FeeWaivedWaivedWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% 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 TicketsAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian RailwaysAs prescribed by IRCTC/Indian Railways
Petrol Transaction Surcharge1% 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 Fee3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaivedWaivedWaived
Hotlisting ChargesNilNilNilNil
Balance Enquiry ChargesWaivedWaivedWaivedWaived

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

ChargesCorporate
Corporate LiabilityIndividual Liability
Standard Joining FeeAs agreed with companyAs agreed with company
Standard Annual FeeAs agreed with companyAs agreed with company
Standard Add-on Card Joining FeeNANil
Standard Add-on Card Annual FeeNANil
Finance Charges (Retail Purchases & Cash)NA2.95% Per month (41.75% per annum)
Cash Withdrawal Fees2.5% of the amount withdrawn or Min. Rs.5002.5% of the amount withdrawn or Min. Rs.500
Fee for Cash Payment NilRs. 50/-
Card Replacement (lost or stolen or re-issue)NilNil
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 FeeWaivedWaived
Overdue Penalty or Late Payment Fee3% 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 Penalty3% of the Overlimit Amount (Min Rs. 300)3% of the Overlimit Amount (Min Rs. 500)
Chargeslip Retrieval Fee or Copy Request FeeRs 200Rs 200
Outstation Cheque FeeWaivedWaived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of FundsRs. 300Rs. 300
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian Railways As prescribed by IRCTC/Indian Railways
Petrol Transaction Charge1% 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 Fee3.5% of the transaction value3.5% of the transaction value
Mobile Alerts for TransactionsWaivedWaived
Hotlisting ChargesNilNil
Balance Enquiry ChargesWaivedWaived

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

ChargesTrust Chemist Credit CardShriram Credit Card
Standard Joining FeeNil500 (incl of taxes)
Standard Annual FeeNilRs 300
Standard Add-on Card Joining FeeNilNA
Standard Add-on Card Annual FeeNilNA
Finance Charges (Retail Purchases & Cash)2.95% Per month (41.75% per annum)2.95% Per month (41.75% per annum)
Cash Withdrawal Fees2.5% (Min. Rs 250) of the Cash Amount2.5% (Min Rs 100)
Fee for Cash PaymentNilNil
Card Replacement (lost or stolen or re-issue)Rs 100Rs 250
Emergency Card Replacement Fee when overseas (through VISA)As per VISA Global Customer Assistance Services (GCAS).NA
Duplicate Statement FeeRs 50Rs 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 Penalty3% of the Overlimit Amount (Min Rs 500)
3% of the Overlimit Amount (Min Rs 300)
Chargeslip Retrieval Fee or Copy Request FeeRs 200Rs 200
Outstation Cheque FeeRs 50Rs 50
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of FundsRs 300Rs 300
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysNA
Petrol Transaction Charge 1% of transaction amount1% of transaction amount
Foreign Currency Transaction Fee3.5% of transaction amountNA
Mobile Alerts for TransactionsWaivedWaived
Hotlisting ChargesNilNil
Balance Enquiry ChargesWaivedWaived

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

ChargesMagnus
Standard Joining FeeRs. 10,000+GST
Standard Annual Fee (2nd year onwards) Rs. 10,000+GST
Standard Add-on Card Joining FeeNil
Standard Add-on Card Annual FeeNil
Finance Charges (Retail Purchases & Cash)2.5% per month (34.49% per annum)
Cash Withdrawal FeesNil
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 Fee3.5% of the transaction value
Mobile Alerts for Transactions Waived
Hotlisting ChargesWaived
Balance Enquiry Charges Waived
ChargesMiles and More Axis Bank World Card Miles and More Axis Bank World Select Card
Standard Joining FeeRs. 3,500+GST Rs. 10,000+GST
Standard Annual FeeRs. 3,500+GST Rs. 4,500+GST
Standard Add-on Card Joining FeeNilNA
Standard Add-on Card Annual FeeNilNA
Finance Charges (Retail Purchases & Cash)2.95% Per month (41.75% per annum)2.95% Per month (41.75% per annum)
Cash Withdrawal Fees2.95% per month (41.75% per annum) 2.95% per month (41.75% per annum)
Fee for Cash PaymentINR 100/- INR 100/-
Card Replacement (lost or stolen or re-issue)Waived Waived
Duplicate Statement FeeWaived 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 Penalty3% of the over-limit amount (Min. INR 500)
3% of the over-limit amount (Min. INR 500)
Chargeslip Retrieval Fee or Copy Request FeeWaived Waived
Outstation Cheque FeeWaived Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds2% 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 TicketsAs prescribed by IRCTC/Indian RailwaysAs 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 Fee3.50% of the transaction value 3.50% of the transaction value
Mobile Alerts for TransactionsWaivedWaived
Hotlisting ChargesWaivedWaived
Balance Enquiry ChargesWaivedWaived
ChargesReserve
Standard Joining FeeRs. 30,000+GST
Standard Annual Fee (2nd year onwards) Rs. 30,000+GST
Standard Add-on Card Joining FeeNil
Standard Add-on Card Annual FeeNil
Finance Charges (Retail Purchases & Cash)2.95% per month (41.75% per annum)
Cash Withdrawal Fees2.5% (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 FeeWaived
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 Fee3.5% of the transaction value
Mobile Alerts for TransactionsWaived
Hotlisting ChargesWaived
Balance Enquiry Charges Waived
Balance Enquiry Charges Waived

Debit Cards


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Agri Rural


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