|
Description of Charges *
|
Amount
|
|
Finance charges / Interest ( Purchase/Cash)
|
1.70% per month (APR 22.45% p.a. on daily balances)
|
|
Finance Charges if overdue
|
2.5% per month (APR 30% p.a. on daily balances)
|
|
Cash Advances at our Branches
|
2.5% on advance amount (subject to a minimum of Rs 50) for each transaction. Interest on dues/overdue as described above
|
|
Cash advanced at our ATMs
|
2% (minimum Rs. 50) for each transaction. Interest on dues/overdue as described above
|
|
Cash advance at other Bank ATM’s in India
|
2.5% (Minimum Rs. 75) for each transaction. Interest on dues/overdue as described above
|
|
Cash advance at Overseas ATM’s
|
2.5% (minimum Rs. 125) for each transaction + 2% currency conversion charges. Interest on dues/overdue as described above
|
|
Late payment charges (per month)
|
Rs. 100/= in addition to finance charges for minimum payment due > Rs. 1000
|
|
Over the Credit Limit usage Charge
|
Rs. 100/= for each transaction
|
|
Cheque Return Charges
|
Rs. 100/= per instrument
|
|
Petrol Transaction Charges
|
Actual charges claimed by the acquirer bank
|
|
Railway Ticket Purchase or Cancellation Fee
|
Actual charges claimed by Railways / acquirer bank
|
|
Reissue of Lost, Stolen or Damaged Card
|
As per schedule of charges
|
|
PIN replacement charges
|
Rs. 50/=
|
|
Copy of chargeslip
|
Rs. 100/= or actual whichever higher
|
|
Duplicate copies of bills
|
Rs. 50/= per quarter
|
|
Service Tax
|
As applicable on all fees, interest and other charges
|