Finance charges on extended credit

3.15% (monthly) 45.09%(Annually)

Cash Advance - Transaction fees

2.50% on advanced amount, subject to a minimum of Rs. 300.

Finance charges on cash advances

3.15% (monthly) 45.09%(Annually)

Late Payment Charges

30% of minimum amount outstanding (subject to min. of Rs. 350 and max. of Rs. 600).

Over Limit Charges

2.5% on over limit amount (subject to a min. of Rs. 500).

Return of Cheque

Rs. 250

Outstation Cheque processing fee

1% on the Cheque value, subject to a minimum of Rs. 100.

Non Alliance partner ATMs access charges / Balance Enquiry charges

Rs. 30

Transaction Fee - Dial a draft

2.5% of the draft value amount subject to a minimum of Rs.300.

Duplicate statement request (beyond 3 Months)

Rs. 100

Replacement card

Nil

Charge-slip request

Rs. 100

Railway Booking - surcharge

1.80% for Internet transactions and 2.5% for other bookings.

Fuel Surcharge

2.5% or Rs.10 whichever is higher (Nil on selected cards).

Services charges - Utility Bill Payment

Nil

Foreign Currency Transactions

3.50%

Service Tax

12.36% (Applicable on all fees, interest and other charges only)