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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)		 7.10% Apply Now
Senior Citizens
(390 days - 2 yrs)		 7.60% Apply Now
 
Loans
Home Loan
(Upto 30 lacs)		 9.00*% Apply Now
Personal Loan
(Upto 20 lacs)		 11.25*% Apply Now

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BUSINESS CARD SOLUTIONS
business card

    Type of Fee and Charges Business Silver/Gold Card Business Platinum CardBusiness Ascent Amex Cards
    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

     
    • 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
    • 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
    • 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.