Fees & charges
|
|
| Joining Fee |
Nil |
| Annual Fee |
Rs. 450/- |
| Cash Advance Transaction Fee |
3% On the amount withdrawn + Rs. 50/- per transaction for VISA |
| Finance charges on cash advances /extended credit |
Nil |
| Penalty Interest Rate |
a) If ‘Minimum Payment Due’ is paid within Due Date 2.50% p.m or 34.43% a.p.r Charged on out-
standing balance
b) If ‘Minimum Payment Due’ is NOT paid within Due Date 2.95% p.m or 41.75% a.p.r Charged on out-standing balance. |
| Late Payment |
a) If amount paid by the card holder is less than minimum payment due Rs. 200/- For outstanding
below Rs. 5,000/-.
b) If payment is not received within due date Rs. 300/- Where out -standing is
between Rs. 5,000/- & Rs. 15,000/-
Rs. 400/- Where Amount outstanding is more than Rs. 15,000/- |
| Free Credit Period |
Min.: 21 days Max.: 50 days |
| Minimum Amount Due |
5% |
| Limited Lost Card Liability |
Rs.200/- On receipt of intimation of loss of Card |
| Over Limit Charges |
Nil |
| Cheque Bounce Fee |
Rs.50/- If, cheque amount is less than Rs. 5,000/-
Rs. 100/- If, Cheque amount is Rs. 5,000/- & above |
| Return of Cheque Fee |
Rs.50/- If, cheque amount is less than Rs. 5,000/-
Rs. 100/- If, Cheque amount is Rs. 5,000/- & above |
| Non-Bank ATM Access / Balance Enquiry Charges |
Other bank ATMs Rs. 30/- Per Enquiry |
| Replacement Card Charges |
Rs 200 |
| Emergency Replacement(when overseas) |
Lost Card Replacement charges Rs.200/- On issue of replacement Card
Broken card Replacement charges Rs. 200/- |
| Charge Slip Request |
Rs.100/- Per charge slip |
| Air/Railway Booking Comment |
2.50% On the amount of charge slip |
| Service Tax |
12.36% |
|
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