EMI Card Features |
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| 1 |
Finance charges |
1.49% (monthly), 1.99%(monthly),0% with Annual fee, applicable from the day of transaction |
| 2 |
EMI Amt Due (EAD) |
INR 1,000/2,000/4,000 (as applicable). |
| 3 |
Interest-free Period (for finance charge of 1.49% p.m. and 1.99% p.m.) |
0 days of interest-free credit period |
| 4 |
Annual Fee (for 0% finance charge) |
For 0% finance rate and EAD of Rs. 1,000, the annual fee would be Rs.1500
For 0% finance rate and EAD of Rs. 2,000, the annual fee would be Rs.2000
For 0% finance rate and EAD of Rs. 4,000, the annual fee would be Rs.3500 |
| 5 |
Cash Advance - Transaction Fee |
2.99% p.m.on advanced amount, subject to a minimum of Rs. 299. |
| 6 |
Cash Advance - Finance charges |
0% (with Annual fee) /1.49%/1.99% (monthly) -as per applicable Finance Charges on Retail transactions. |
| 7 |
Dial-a-draft- Transaction Fee |
2.99% on advanced amount, subject to a minimum of Rs. 299. |
| 8 |
Dial-a-draft-Finance charges |
0% (with Annual fee) /1.49%/1.99% (monthly) -as per applicable Finance charges on retail transactions. |
| 9 |
Transaction Charges |
Rs.149 for every transaction |
| 10 |
Monthly Amount Due (EAD) |
EMI Amount Due (EAD) of INR 1,000/2,000/4,000 for cumulative transactions plus balance carried forward if the total is above INR 1,000/2,000/4,000 |
| 11 |
Monthly Amount Due |
EMI Amount Due (EAD) of INR 1,000/2,000/4,000 for cumulative transactions plus balance carried forward if the total is above INR 1,000/2,000/4,000 |
| 12 |
Pre-payment charge |
Rs.199 every time a pre-payment is made |
| 13 |
Reward Points |
1 reward point for every Rs 200 spent. |
| 14 |
Minimum Ticket Size |
Rs 1000 |
| 15 |
Balance Transfer |
1.49% per month with one time balance transfer fee of Rs. 149 |
| 16 |
Late Payment Charges |
30% of min. amount outstanding (subject to min. of Rs. 300 and max. of Rs.1,000). |
| 17 |
Over-Limit Charges |
5% on over limit amount (subject to minimum of Rs.500 and maximum of Rs.600) |
| 18 |
Return of Cheque |
Rs. 250. |
| 19 |
Outstation Cheque processing fee |
1% on the Cheque value, subject to a minimum of Rs. 100 |
| 20 |
Duplicate statement request (beyond 3 Months) |
Rs. 100 |
21 |
Replacement card |
Nil |
| 22 |
Railway Booking Surcharge |
1.80% for Internet transactions and 2.5% for other bookings |
| 23 |
Fuel Surcharge |
2.5% or Rs.10 whichever is higher |
| 24 |
Utility Bill Payment - Services Charges |
Nil |
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25 |
Foreign Currency Transactions |
3.50%
of transaction value
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