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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)
6.75% Apply Now
Senior Citizens
(390 days - 2 yrs)
7.25% Apply Now
 
Loans
Home Loan
(Upto 30 lacs)
8.35*% Apply Now
Personal Loan
(Upto 20 lacs)
10.99*% Apply Now

More Rates       Service Charges & Fees 

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Fees and Charges

Types of Fees and ChargesSilver / Gold Corporate Credit CardPlatinum Corporate Credit Card
Finance Charges CCIL: 3.40% monthly CCCL/CCSL and on Gold (Insurance Premium) Card: No revolving credit facility. CCIL: 3.15% monthly. CCCL/CCSL: No revolving credit facility.
Overdue interest charges on a monthly and annualised basis CCCL/CCSL: NA CCIL:3.40% monthly and 40.8% annually. CCCL/CCSL: NA CCIL: 3.15% monthly and 37.8% annually.
Interest Free (grace) Period CCIL:Up to a max of 48 days. CCSL/CCCL: Up to a max of 50 days Gold (Insurance Premium) Card: Up to a maximum of 40 days. (Applicable only on retail purchases and if the previous month's outstanding balance is paid in full) CCIL: Up to a max of 48 days CCSL/CCCL: Up to a max of 50 days (Applicable only on retail purchases and if the previous month's outstanding balance is paid in full)
Joining Fees for Primary Cardholder and Add on Cardholder NIL.( Except Gold (Insurance Premium) Card: Rs. 100+ GST) NIL
Annual Membership Fees NIL
Add-on card: Not Applicable
Rs 999 + GST
Add-on card: Not Applicable
Charges in case of default CCIL: 30% of the MAD (min. of ₹400 and max. of ₹600)
CCCL/CCSL and Gold (Insurance Premium) Card: 3% of the TAD (min. of ₹400)
CCIL: 30% of the MAD (min. of ₹400 and max. of ₹600)
CCCL/CCSL: 3% of the Total Amount Due (min. of ₹400)
Cash Advance Fees 2.5% (Min. of ₹300) Gold (Insurance Premium) Card: No Cash Advance. CCIL: 2.5% (min. of ₹300) CCCL/CCSL: 1% (min of ₹100)
Outstation Cheque Processing Fees 1% of value of cheque (min. of ₹100) 0.5% of value of cheque (min. of ₹100)
Dial-a-Draft Transaction Fee 1% of the value (min. of ₹100) 1% of the value (min. of ₹100)
Fuel Surcharge Surcharge waiver of 1% of transaction value or Rs 10, whichever is higher.
Replacement Card Fees : ₹100, Fees on Cash Payment at branches: ₹100
Duplicate Statement Fees : ₹100 , Cheque/ECS return Fees: ₹250, Charge slip Retrieval Fees: ₹100
Foreign Currency Transactions : 3.5% , Railway Booking Surcharge: 1.8% for Internet transaction and 2.5% for other bookings
Goods and Service Tax (GST) of 18% w.e.f. July 1, 2017 will be levied on all fee & charges.