SCHEDULE OF SERVICE CHARGES w.e.f. 1.12.

2015
Sl. No Schedule of Fees/Charges Platinum* Signature*
01 Joining Fee / Membership Free Free
Fee
02 Annual Fee: Primary/Add on Rs.230/- RS.900/-
03 Minimum Spend in a year for Rs.25000 in Primary & Rs.100000 in Primary &
waiver of Annual Fee Rs.15000 in each Add Rs.50000 in each Add on
on Card Card

04 Interest on Revolving Credit 2.75% p.m. (33% p.a.) 3.00 p.m.(36% p.a.)
(per month)
05 Interest on Cash Advance 2.75% p.m. (33% p.a.) 3.00 p.m. (36% p.a.)
(per month)
06 ATM Cash Withdrawal Fee 2.5% of the Transaction 2.5% of the Transaction
Min. Rs.250/- Min. Rs.250/-
07 VISA ATM access charge Rs.50/- per transaction Rs.50/- per transaction
(Non-financial)
Late Payment Charges per 30% of the amount due with 30% of the amount due with a
occasion a minimum of Rs.100/- and minimum of Rs.250/- and
08 maximum of Rs.750/- maximum of Rs.1000/-

09 Over limit charges
11 Charges for cheque return/
Auto Debit instruction failure
12 Duplicate Statement Request
beyond 3 months
13 Statement Through Courier
2.5% of the over limit
amount. Min. Rs.250/-
Rs.250/- per return
Rs.50/- per Statement
Rs.100/- per Statement
2.5% of the over limit amount.
Min. Rs.500/-
Rs.500/- per return
Rs.50/- per Statement
Rs.100/- per Statement

14 Replacement Card Rs.250/- Rs.250/-

15 Duplicate PIN Request Rs.50/- per occasion Rs. 50/- per occasion
Green PIN:Rs 5/- per Green PIN: Rs. 5/- per
occasion occasion
16 Credit Limit Enhancement Rs.200/- per occasion Rs. 250/- per occasion
Fee
17 Balance Transfer Charges
- Processing Charges 1% of the Balance Transfer. 1% of the Balance Transfer.
Min. Rs.250/- Min. Rs. 500/-

- Interest Charges
18 Petrol Transaction Surcharge
1.5% p.m for the first 90 1.5% p.m for the first 90 days.
days. Thereafter interest Thereafter interest rate
rate applicable for revolving applicable for revolving credit
credit
2.5% of the transaction. Min. 2.5% of the transaction. Min.
Rs.10/- Rs.10/-
Sl. No Schedule of Fees/Charges
19 Railway Booking Surcharge
20 International transaction fee
21 Chargeslip Retrieval Fee
22 EMI Facility Charges
a) Processing Charges
b) Pre-closure Charges
c) Interest Rate:
(Reducing Balance)
* Service tax on all fees at applicable rates would be charged extra
Platinum* Signature*
As levied by IRCTC As levied by IRCTC
3.5% of the foreign currency 3.5% of the foreign currency
amount amount
Rs.150/- per chargeslip Rs.150/- per chargeslip
1% of the Principal Amount. 1% of the Principal Amount.
Min. Rs.200/- Min. Rs. 300/-
2% of the outstanding 2% of the outstanding amount
amount
Upto 6 Months – 16% p.a.
Upto 6 Months – 16% p.a. Beyond 6 Months– 18% p.a.
Beyond 6 Months – 18%
p.a.