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service charges and fees

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.)

Forex Card

Schedule of Charges for your Axis Bank Multi currency Forex Card

Tips to avoid Dynamic Currency Conversion charges

Avoid additional international ATM charges. Look for Allpoint ATM networks (surcharge free)

Currents Accounts

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

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 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.

Easy Accounts

Click here to know more about the schedule of charges of Easy Accounts to know more about the schedule of charges

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

Mariner Accounts

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

Priority Accounts

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

Burgundy Accounts

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

PIS Accounts

Click here to know more about the schedule of charges of PIS Accounts to know more about the schedule of charges.

Loans

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.

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

Agricultural Loans

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)

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)	3.4% per month (49.36% per annum)	3.4% per month (49.36% 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. 300 Rs. 100 if Total Payment Due is between Rs.301- Rs. 500 Rs. 500 if Total Payment Due is between Rs. 501 - Rs.1000 Rs. 750 if Total Payment Due is between Rs. 1,001 - Rs. 10,000 Rs. 950 if Total Payment Due is between Rs. 10,001 - Rs. 25,000 Rs. 1,000 if Total Payment Due is between Rs. 25,001 – Rs. 50,000 Rs. 1,200 if Total Payment Due is more than Rs. 50,000	Nil if the amount is upto Rs. 300 Rs. 100 if Total Payment Due is between Rs.301- Rs. 500 Rs. 500 if Total Payment Due is between Rs. 501 - Rs.1000 Rs. 750 if Total Payment Due is between Rs. 1,001 - Rs. 10,000 Rs. 950 if Total Payment Due is between Rs. 10,001 - Rs. 25,000 Rs. 1,000 if Total Payment Due is between Rs. 25,001 – Rs. 50,000 Rs. 1,200 if Total Payment Due is more than Rs. 50,000	Nil if the amount is upto Rs. 300 Rs. 100 if Total Payment Due is between Rs.301- Rs. 500 Rs. 500 if Total Payment Due is between Rs. 501 - Rs.1000 Rs. 750 if Total Payment Due is between Rs. 1,001 - Rs. 10,000 Rs. 950 if Total Payment Due is between Rs. 10,001 - Rs. 25,000 Rs. 1,000 if Total Payment Due is between Rs. 25,001 – Rs. 50,000 Rs. 1,200 if Total Payment Due is more than Rs. 50,000
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	1% of transaction amount	1% of transaction amount	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

Debit Cards

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

Agri Rural

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Investment and Insurance

Insurance

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Mutual Funds

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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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