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