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Fees and Charges

Types of Fees and Charges Silver / Gold Corporate Credit Card Platinum Corporate Credit Card
Overdue interest charges on a monthly and annualised basis 40.8% annually. 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
Late Payment Charges

CCIL :

Overdue Amount Late Payment Charge
Less than ₹100 None
Between ₹100 to ₹500 ₹100
Between ₹501 to ₹5,000 ₹500
Between ₹5,001 to ₹10,000 ₹750
Between ₹10,001 to ₹25,000 ₹900
Between ₹25,001 to ₹50,000 ₹1,000
More than ₹50,000 ₹1,200

CSL/CCCL : 3% of the Total amount due subject to minimum of ₹1000

CTA : 3% of the Total amount due subject to maximum of ₹20,000

CCIL :

Overdue Amount Late Payment Charge
Less than ₹100 None
Between ₹100 to ₹500 ₹100
Between ₹501 to ₹5,000 ₹500
Between ₹5,001 to ₹10,000 ₹750
Between ₹10,001 to ₹25,000 ₹900
Between ₹25,001 to ₹50,000 ₹1,000
More than ₹50,000 ₹1,200

CSL/CCCL : 3% of the Total amount due subject to minimum of ₹1000

CTA : 3% of the Total amount due subject to maximum of ₹20,000

Cash Advance Fees 2.5% on advanced amount, subject to minimum of ₹500 2.5% on advanced amount, subject to minimum of ₹500
Interest on Cash Advance is 2.5% Per Month or 30% Per Annum
For cash advances, interest is charged from the date of the transaction until the date of payment
Interest on Cash Advance is 2.5% Per Month or 30% Per Annum
For cash advances, interest is charged from the date of the transaction until the date of payment
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 : ₹200, Fees on Cash Payment at branches: ₹200
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.