Joining fees for primary card member and for add-on card member |
NIL |
NIL |
₹8,000 |
Annual membership fees for primary and add-on card members |
- NIL
- Add-on card: Not Applicable
|
- ₹999
- Add-on card: Not Applicable.
|
- ₹1,000 for Business Ascent and ₹1500 for Business Ascent Platinum
- Add-on card: Not Applicable
|
Cash advance fee |
2.5% subject to a minimum of ₹300. |
2.5% subject to a minimum of ₹300 |
2.5% subject to a minimum of ₹300. |
Service charges levied for certain transactions |
- Duplicate Statement Fee: ₹100
- Cheque/ECS Return Fee: ₹250
- Foreign Currency Transactions: Mark-up of 3.5%**
- Chargeslip Retrieval Fee: ₹100
- Outstation Cheque Processing Fee: 1% of the value of the cheque subject to a minimum of ₹100
|
- Duplicate Statement Fee: ₹100
- Cheque/ ECS Return Fee: ₹250
- Foreign Currency Transactions: Mark-up of 3.5%**
- Chargeslip Retrieval Fee: ₹100
- Outstation Cheque. Processing Fee: 1% of the value of the cheque subject to a minimum of ₹100.
|
- Duplicate Statement Fee: ₹100.
- Cheque/ECS Return Fee: ₹250.
- Foreign Currency Transactions: Mark-up of 3.5%.**
- Chargeslip Retrieval Fee: ₹100.
- Outstation Cheque. Processing Fee: 1% of the value of the cheque subject to
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- Railway Booking Surcharge: 1.80% for Internet transactions and 2.5% for other bookings.
- Dial-a-draft Transaction Fee: 2.5% of the value subject to a minimum of ₹250
|
- Railway Booking Surcharge: 1.80% for Internet transactions and 2.5% for other bookings.
- Dial-a-draft Transaction Fee: 2.5% of the value subject to a minimum of ₹250
|
- Railway Booking Surcharge: 1.80% for Internet transactions and 2.5% for other bookings.
- Dial-a-draft Transaction Fee: 2.5% of the value subject to a minimum of ₹250
|
Interest-free (grace) period illustrated with examples below |
- Up to a maximum of 48 days of interest-free credit period
|
- Business Secured Card: Up to maximum of 50 days of interest-free credit period.
- BCCL/BCSL/BCIL: Up to maximum of 48 days of interest-free credit period
|
- Up to a maximum of 48 days of interest-free credit period.
|
Finance charges cash advances |
- Cash Advance: 3.4% monthly And 40.8% annually
|
- Business Secured Card: 2.5% monthly and 30% annually
- BCCL/BCSL: 2.75% monthly and 33% annually
- BCIL: 3.4% monthly and 40.8% annually
|
- 3.4% monthly and 40.8% annually
|
Overdue interest charges on a monthly and annualised basis |
- 3.40% monthly and 40.8% annually.
|
- Business Secured Card: No revolving facility
- BCCL/BCSL: 2.75% monthly and 33% annually
- BCIL: 3.40% monthly and 40.8% annually.
|
- 3.4% monthly and 40.8% annually
|
Charges in case of default |
- 30% of the Minimum Amount Due subject to a minimum of `400 and a maximum of ₹700
|
- Business Secured Card: 3% of the Total Amount Due subject to a minimum of ₹400
- BCCL / BCSL / BCIL: 30% of the Minimum Amount Due subject to a minimum of ₹400 and a maximum of ₹700
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- 30% of the Minimum Amount Due subject to a minimum of ₹400 and a maximum of ₹700
|
Fuel Surcharge |
- 2.50% of transaction value or ₹10 whichever is higher
- Surcharge waiver of 2.5% of transaction value on HPCL petrol pumps on select cards (this offer is valid on a maximum transaction of ₹5,000, when the payment is made by swiping the card on ICICI Bank swipe machines).
- Surcharge waiver capped at Maximum ₹500 in a month/card
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- 2.5% of transaction value or ₹10 whichever is higher.
- Surcharge waiver of 2.5% of transaction value on all petrol pumps (this offer is valid on a maximum transaction of ₹5,000
- Surcharge waiver capped at Maximum 500 in a month / card.
|
- 2.5% of transaction value or ₹10 whichever is higher.
- Surcharge waiver of 2.5% of transaction value on all petrol pumps (this offer is valid on a maximum transaction of ₹5,000.
- Surcharge waiver capped at Maximum ₹500 in a month / card.
|
Replacement Fee |
₹100 |
₹100 |
₹100 |
Fee on cash payment at branches |
₹100 |
₹100 |
₹100 |
Service Tax |
As may be applicable from time to time, presently @14.5% which includes Swachh Bharat Cess @ 0.5% w.e.f Nov 15, 2015. |
As may be applicable from time to time, presently @14.5% which includes Swachh Bharat Cess @ 0.5% w.e.f Nov 15, 2015. |
As may be applicable from time to time, presently @14.5% which includes Swachh Bharat Cess @ 0.5% w.e.f Nov 15, 2015. |