| Joining Fees
|
NA
|
| Annual Fees
|
Nil
|
| Condition for waiver of Annual Fees - First Year
|
NA
|
| Condition for waiver of Annual Fees - Second Year
|
NA
|
| Addon card Fees
|
Nil
|
| Interest Charges on outstanding Balances*
|
3.50% (Annualized 42%)
|
| Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)
|
10%
|
| ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof
|
2.5% on advance amount or ₹500 whichever is higher
|
| Late Payment Charges ("LPC")
|
Due as per last statement
|
LPC charges
|
| <₹100
|
0
|
| ₹100 - ₹500
|
100
|
| ₹501 - ₹1000
|
500
|
| ₹1001 - ₹5,000
|
500
|
| ₹5,001 - ₹10,000
|
600
|
| ₹10,001 - ₹25,000
|
800
|
| ₹25,001 - ₹50,000
|
1000
|
| >₹50,000
|
1200
|
| Over Limit Charge
|
Rs. 0
|
| Cheque Bounce Charges
|
2.0% on bounce amount or ₹500 whichever is higher
|
| Foreign Currency Mark Up
|
3.5%
|
| Railway Booking Surcharge (1.8%/2.5% on transaction amount)*
|
Waived
|
| Fuel Surcharge (1% on transaction)**
|
Waived
|
| Fee for Cash payment at Bank
|
Rs. 100
|
| Outstation Cheque Processing Fee
|
Waived
|
| Reissue/ Replacement Card (per issunace)
|
Rs. 100
|
| Charge Slip Request
|
Waived
|
| Machine Surcharge at ATMs
|
Waived
|
| Balance Enquiry Charges at Non Parent Bank ATM
|
Waived
|
| Duplicate Statement Request
|
Waived
|
| Web Pay Service Fee
|
Waived (effective 10th JAN,2014)
|
| Credit Limit Increase Processing fee
|
Rs. 100
|
| Rent Payments
|
1% of the Transaction Amount for all transactions done on MCC 6513
|
| Pre-closure charges- Personal Loan on Credit Card
|
3% on outstanding principle
|
| Please Note:
|
| GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
|
| *Maximum Railway surcharge waiver of Rs. 500 in a calendar year
|
| ** Fuel surcharge to be waived only for transactions between values of Rs. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 3500 in a calendar year
|
| *W.e.f 20-06-21, the Interest Charges on outstanding Balances for 811 #DreamDifferent Credit Card shall be revised to 3.50% (Annualized 42%)
|
