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Credit Cards   Auto Loans   Home Loans   Personal Loan         Fixed Deposits   Savings Accounts   Education Loans   Auto Insurance     CREDIT CARD DETAIL Centurion Bank of Punjab Mircale Card Card Highlights Card Class Standard Card Type Classic Issuer Centurion Bank of Punjab Offered Type Visa Rewards Main Features By using this Card for normal spends, you accumulate Seva Points. The monetary worth of Seva Points gets collectively contributed to the 'Gift a Smile' program of The Art of Living. Each subscription facilitates you to make very nominal contribution of Rs. 50 while a matching contribution of Rs. 50 is made by Centurion Bank of Punjab. The entire Rs. 100 per Card goes to the ‘Gift a Smile’ program of AOL.  Card Rates   Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 6 month Interest Rate 1.25% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 3 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Free for Life Annual Fee Free for Life Cash Advance Transaction Fee 2.5% on advanced amount, subject to a minimum of Rs. 300. Finance charges on cash advances /extended credit 1.25% for the first six months and 3.15% after first six months Late Payment 30% of min. amount outstanding (subject to min. of Rs. 300 and max. of Rs. 600). Free Credit Period Min.: 22 days Max.: 52 days Limited Lost Card Liability Nil Over Limit Charges 5% on over limit amount (subject to min. of Rs. 300 and max. of Rs. 600). Outstation Cheque Processing Fee Rs 100 1% Non-Bank ATM Access / Balance Enquiry Charges Rs 30 Dial a Draft Fee 1% of the draft value amount subject to a minimum of Rs. 100 Duplicate Statement Request Charges Rs 100 Charge Slip Request Rs.100 Railway Booking Surcharge 2.5% Railway Booking Surcharge (Online) 1.8% Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Services & Features   Services & Features General Features: Photo Option No Add On Card No Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility Yes Dial a Draft Facility Yes Rewards Programme No Global Emergency Assistance Service Yes No. of ATMs (Global) Accepted International Insurance: Hospitalization Benefits No  Terms & Conditions   Terms & Conditions Terms and Conditions Governing Credit Card Facilities Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank Andhra Pradesh Mahesh Co-Op Urban Bank Ltd. AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Bhartiya Mahila Bank Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank Development Credit Bank Ltd. Dhanlaxmi Bank Federal Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka bank Karur Vysya Bank Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Reliance Capital Ltd. Royal Bank of Scotland Standard Chartered Bank State Bank of India Syndicate Bank Tamilnad Mercantile Bank Ltd The Lakshmi Vilas Bank Limited The Ratnakar Bank Ltd. The Saraswat Coop Bank Ltd UCO bank Union Bank of India United Bank of India Vijaya Bank YES Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans Auto Insurance   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans Auto Insurance   EDITORS' PICKS Increasing trend of prepaid cards in India Complete guide to education loans in India WorldMiles credit card - just another... Regular fixed deposits in India: Great way... How to go about ‘Leveraged Investing’

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