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Particular | Signature Card | Platinum Card | Titanium Card | Gold Card |
---|---|---|---|---|
Standard Annual Fee | Nil | Nil | Nil | Nil |
Standard Add-on Card Joining Fee | Nil | Nil | Nil | Nil |
Standard Add-on Card Annual Fee | Nil | Nil | Nil | Nil |
Finance Charges (Retail Purchases & Cash) | 3.25% per month (46.78% per annum) | 3.25% per month (46.78% per annum) | 3.25% per month (46.78% per annum) | 3.25% per month (46.78% per annum) |
Cash Withdrawal Fees | 2.5% (Min. Rs 250) of the Cash Amount | 2.5% (Min. Rs 250) of the Cash Amount | 2.5% (Min. Rs 250) of the Cash Amount | 2.5% (Min. Rs 250) of the Cash Amount |
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 | Late Payment Fee is linked to total amount due on card account i.e. 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 | Late Payment Fee is linked to total amount due on card account i.e. 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 | Late Payment Fee is linked to total amount due on card account i.e. 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 | Late Payment Fee is linked to total amount due on card account i.e. 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 over limit amount (Min. Rs 500) | 3% of the over limit amount (Min. Rs 500) | 3% of the over limit amount (Min. Rs 500) | 3% of the over limit amount (Min. Rs 500) |
Charge slip Retrieval Fee or Copy Request Fee | Waived | Waived | Waived | Waived |
Outstation Cheque Fee | Waived | Waived | Waived | Waived |
Cheque return or dishonor Fee or Auto debit Reversal Bank A/c out of Funds | Rs 300 | Rs 300 | Rs 300 | Rs 300 |
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 | Waived (For fuel transactions between Rs. 400 and Rs, 4000; maximum benefits upto Rs. 400 per month) | Waived (For fuel transactions between Rs. 400 and Rs, 4000; maximum benefits upto Rs. 400 per month) | Waived (For fuel transactions between Rs. 400 and Rs, 4000; maximum benefits upto Rs. 400 per month) | Waived (For fuel transactions between Rs. 400 and Rs, 4000; maximum benefits upto Rs. 400 per month) |
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 |
Transaction Alert Charges | Waived | Waived | Waived | Waived |
Hot listing Charges | Nil | Nil | Nil | Nil |
Balance Enquiry Charges | Waived | Waived | Waived | Waived |
PlusPoint Redemption Fee | Rs. 30 per request | Rs. 30 per request | Rs. 30 per request | Rs. 30 per request |
Balance Transfer - Interest rates and Charges |
Plan 1 - 0% interest rate for 3 months and 2.95% interest after 3 months with 2% processing fee or Rs. 199 (whichever is higher) Plan 2- 0.75% interest rate for 6 months and 2.95% interest after 3 months with 1% processing fee or Rs. 100 (whichever is higher) |
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Dial-an-EMI - Interest rates and Charges | 1.5% interest rate for 3, 6, 12 and 24 months EMI Tenure with 1.5% processing fee or Rs. 150 (whichever is higher) |
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