Fees & charges
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| Joining Fee |
Rs 295 |
| Annual Fee |
Rs 595 |
| Add On Card Fee |
Add On Card Fee is 295.
RBS Freedom Credit Card members can gift one additional card FREE* for one year to any member of their family!
* You can apply for additional cards for your spouse, parents, children over 15 years, dependent brothers and sisters. The current offer is valid on the annual fee for the first year. |
| Cash Advance Transaction Fee |
2.5% (Min. Rs. 300) of the cash amount |
| Finance charges on cash advances /extended credit |
3.5% |
| Late Payment |
15% of Total Amt. Due (Min. Rs. 350, Max. Rs. 600*) |
| Free Credit Period |
Min.: 20 days Max.: 50 days |
| Minimum Amount Due |
While you may buy a product anytime, you can choose to pay in parts per your convenience. All you have to do is just pay a minimum of 5% of the total outstanding each month (subject to a minimum of Rs. 200) and the balance in installments that suit your budget. |
| Limited Lost Card Liability |
With Zero Lost Card Liability you are protected against any fraudulent use of your card from the moment you report the loss to us.
Additionally, while traveling overseas if your credit card gets lost or stolen, there's no need to worry. The MasterCard Global Assistance Service provides emergency cash or will issue an emergency Card, if you so desire. |
| Over Limit Charges |
Max.: Rs 500 |
| Cheque Bounce Fee |
Max.: Rs 250 |
| Outstation Cheque Processing Fee |
Rs 100 |
| Dial a Draft Fee |
2.5% (Min. Rs. 300) of the cash amount |
| Duplicate Statement Request Charges |
Rs 100 |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
$ ( US ) 148 |
| Railway Booking Surcharge |
2.5% |
| Fuel Surcharge |
2.5% Min.: Rs 100 |
| Foreign Currency Transaction Charges |
3% |
| Retrieval Fee/Copy Request Fee |
Rs 100 |
| Service Tax |
12.36% |
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