| General |
|
Free Credit Period* |
Up to 50 Days |
| Minimum Repayment for use of Extended
Credit |
5% of outstanding balance or Rs 100
whichever is higher |
| Cash Advance
Limit |
40% of Credit Limit (subject to a maximum
of Rs 15,000 per day) |
| Free
Insurance Cover |
Rs 10 lakhs
for air accident
Rs 3 lakh for
other accidents |
| Outstation
Cheque/Drafts** |
Not Accepted
|
| Fees |
| Joining Fee |
Rs. 300 (Only one time) |
| Annual Fee |
Rs. 1500 p.a. |
| Additional Card Fee |
Rs. 500 p.a. |
| Interest |
| Finance Charges on Extended Credit
|
2.75% per month from the transaction
date |
| Finance Charges on Cash Advance
|
2.75% per month from the date of
withdrawal |
| Cash
Charges |
| Cash Advance Fee |
|
| > Domestic ATMs
& Cash Points |
2.25% or Rs 75, whichever is higher
|
| > International
ATMs |
2.5% or Rs 100, whichever is higher
|
| ATM Decline Fee***
|
Rs.20 |
| Other
Charges |
| Late Payment Fee |
Rs. 150 per month |
| Charges on Over limit Accounts |
2% of overlimit amount or Rs. 200
whichever is higher. |
| Fee on dishonoured instrument |
Rs. 100 |
| Surcharge on: |
| > Railway Tickets |
Rs 30+ 2.5% of transaction
amount |
| > Petrol & all products/services
sold at Petrol Pumps |
2.5% of transaction amount or Rs 10
whichever is higher |
| >
Payment of Custom Duty |
2.25% of transaction amount or Rs 75
whichever is higher |
| Replacement Card Fee |
Rs. 100 |
| Statement Retrieval Fee |
Current Month -
NIL
Previous Month Rs. 15 per
Statement |
| Chargeslip Retrieval Fee |
Rs. 125 per chargeslip |
| Cheque Pickup |
Rs.
25 |