Service fees and charges  
 
  Annual Fee Rs. 6000 in first year and Rs. 6000 from 2nd year onwards
  Card Replacement fee Rs. 100
  Overlimit fee 5% on over limit amount (subject to a minimum of Rs. 500)
  Late payment fee 30% of minimum amount outstanding (min 400, max 600)
  Dial a draft 3% of the draft value amount,subject to a minimum of Rs. 300
  Return cheque payment fee Rs. 250
  Outstation cheque pmt fee 1% on the cheque value, subject to a minimum of Rs 100
  Balance Enquiry NIL
  Cash Deposit Charges Rs. 100
  Cash Withdrawal charges 2.5% on advanced amount, subject to a minimum of Rs. 300
  Cash Interest 2.75% per month
  Retail Interest 2.75% per month
  Chargeslip Retrieval Rs. 100
  Cash Limit (% of Credit Limit) 20%
  Min Amount Due (MAD) 5% of Total Amount Due
  Min Amount Due (MAD) 18 - 48 Days