Interest Charges are applicable on Cash Advances as well as non-EMI drafts

Interest Charges will cease on the day all outstanding due are settled.

Interest Charges are subject to change without any prior notice.

The late payment charges are as below:

Rs. 350 per month for billed amounts of less than or equal to Rs. 20,000/-

Rs. 500 per month for billed amounts between Rs. 20,000 and Rs. 30,000/-

Rs. 600 per month for billed amounts above Rs. 30,000/-

The over limit charge is 2.5 % per month on the excess amount subject to a minimum of Rs. 500/-.

The charges are Rs.250/- per bounced cheque.

Purchase or cancellation of Railway tickets on the card will attract a transaction fee of 2.5 % of the value of the ticket subject to a minimum of Rs.25/-

Purchase or cancellation of airline tickets on the card will attract a transaction fee of Rs.35/-

Request for copies of statement of account beyond the previous 3 months would attract a fee of Rs. 100 per statement.

Outstation cheques (including a cheque drawn on a Bank / Branch which do not participate in local clearing) received against payment of Credit Card dues will attract a fee of Rs.50/- to 100/- depending on the locations.

Cardholders are encouraged to make payment by way of draft to avoid levy of this fees.

In case the Credit Card is used for making payment for utility services via Internet Banking, a transaction fee of Rs.10/- per transaction will be levied.

In case the utility payment is made via the 24 Hour Customer Service, the fee will be Rs.25/- per transaction

Payments made by the cardholders through the card for purchases made outside India will be billed to the cardholders in Indian Rupees only.

An Association conversion mark up @ 3 % would be added to the charge amount.

No transaction fees on petrol purchase

2.5% per month with a minimum of Rs. 150/- and $ 5 at international ATMs

2.5% (subject to a minimum of Rs. 150)

12.2% (applicable on all Fees, Interest and other Charges)