Service Information

Membership fees
Annual fee – Primary	Rs.4,000
Annual fee – Supplementary	Rs.1,500
Joining fee – Primary	Rs.1,500
Joining fee – Supplementary	Rs.1,000
Financial fees
Annual Interest Rate	Interest rates
Cash advance fee	Rs.500 + 10% on face value
Stamp duty fee	Rs.25 for every Rs.1000 or part thereof spent in foreign currency transactions (Government levy)
Fuel surcharge fee	1%
Penalty fees
Late payment fee	Rs.1,750
Excess charge over credit limit	Rs.1,500
Maintenance fees
Card replacement fee	Rs.1500
Limit enhancement fee	Rs.2000
Statement copy request fee (within 6 months)	Free
PIN replacement fee	Rs.1000
Balance confirmation letter request fee	Rs.1000
Cheque return fee	Rs.1,000
POS slip retrieval fee	Rs.500
Billing cycle change	Free
Service fees
Exchange conversion	4%
Cross border cash advances / withdrawals	Equivalent of USD 250.00 per week only
Fee for SMS alerts	Rs.500