| Joining Fees
|
Nil
|
1499.0
|
Nil
|
| Annual Fees
|
999.0
|
999.0
|
Nil
|
| Condition for waiver of Annual Fees - First Year
|
Annual Retail Spends of ₹1Lac
|
Annual Retail Spends of ₹1Lac
|
NA
|
| Condition for waiver of Annual Fees - Second Year
|
Annual Retail Spends of ₹1Lac
|
Annual Retail Spends of ₹1Lac
|
NA
|
| Addon card Fees
|
Nil
|
Nil
|
Nil
|
| Interest Charges on outstanding Balances
|
3.5% (Annualized-42%)
|
3.5% (Annualized-42%)
|
3.5% (Annualized-42%)
|
| Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)
|
MAD can be 5% or 10% of TAD as decided by the Bank
|
MAD can be 5% or 10% of TAD as decided by the Bank
|
MAD can be 5% or 10% of TAD as decided by the Bank
|
| ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof
|
2.5% of Advance Amount, subject to minimum of ₹500
|
2.5% of Advance Amount, subject to minimum of ₹500
|
2.5% of Advance Amount, subject to minimum of ₹500
|
| Late Payment Charges ("LPC")
|
Due as per last statement LPC Charges
|
Due as per last statement LPC Charges
|
Due as per last statement LPC Charges
|
| <₹100 ₹0
|
<₹100 ₹0
|
<₹100 ₹0
|
| ₹100-₹500 ₹100
|
₹100-₹500 ₹100
|
₹100-₹500 ₹100
|
| ₹501-₹5,000 ₹500
|
₹501-₹5,000 ₹500
|
₹501-₹5,000 ₹500
|
| ₹5,001-₹10,000 ₹600
|
₹5,001-₹10,000 ₹600
|
₹5,001-₹10,000 ₹600
|
| ₹10,001-₹25,000 ₹800
|
₹10,001-₹25,000 ₹800
|
₹10,001-₹25,000 ₹800
|
| ₹25,001-₹50,000 ₹1,000
|
₹25,001-₹50,000 ₹1,000
|
₹25,001-₹50,000 ₹1,000
|
| >₹50,000 ₹1,200
|
>₹50,000 ₹1,200
|
>₹50,000 ₹1,200
|
| Over Limit Charges
|
500.0
|
500.0
|
500.0
|
| Cheque Bounce Charges
|
2% of Bounce Amount, subject to minimum of ₹500
|
2% of Bounce Amount, subject to minimum of ₹500
|
2% of Bounce Amount, subject to minimum of ₹500
|
| Standing Instruction Failure / Auto-debit return fee
|
2% of Bounce Amount, subject to minimum of ₹450
|
2% of Bounce Amount, subject to minimum of ₹450
|
2% of Bounce Amount, subject to minimum of ₹450
|
| Foreign Currency Mark Up
|
3.5% + GST
|
3.5% + GST
|
3.5% + GST
|
| Railway Booking Surcharge (1.8%/2.5% on transaction amount)*
|
Waived
|
Waived
|
Waived
|
| Fuel Surcharge (1% on transaction)**
|
Waived
|
Waived
|
Waived
|
| Fee for Cash payment at Bank
|
100.0
|
100.0
|
100.0
|
| Outstation Cheque Processing Fee
|
Waived
|
Waived
|
Waived
|
| Reissue/ Replacement Card (per issunace)
|
100.0
|
100.0
|
100.0
|
| Charge Slip Request
|
Waived
|
Waived
|
Waived
|
| Machine Surcharge at ATMs
|
Waived
|
Waived
|
Waived
|
| Balance Enquiry Charges at Non Parent Bank ATM
|
Waived
|
Waived
|
Waived
|
| Duplicate Statement Request
|
Waived
|
Waived
|
Waived
|
| Web Pay Service Fee
|
Waived
|
Waived
|
Waived
|
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
^Joining fee variant of Royale Signature Credit Card has been discontinued effective 30th May 2019
|
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