Fees

A Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.

Add-on Card Fee: Lifetime Free

Joining Fees For Primary Cardholder : Rs. 500 + Applicable Tax.

Renewal Membership Fee For Primary Cardholder : Rs. 500 + Applicable Taxes.

Railway Ticket Purchase Fee: 1% of the transaction amount + GST.

Wallet Loading (excl PayZapp) - 1% fee will be levied on Wallet loading spends exceeding Rs.10000 in a calendar 
month.

Fee will be applied on the total wallet loading spends in a calendar month.

Fee capped at Rs 4999 per month.

Rs.500 - Late payment charges if the statement balance between Rs.501 - Rs.1000.

Rs.1300 - Late payment charges if the statement balance more than Rs.50000.

Rs.600 - Late payment charges if the statement balance between Rs.1001 - Rs.5000.

Rs.750 - Late payment charges if the statement balance between Rs.5001 - Rs.10000.

NIL - Late payment charges if the statement balance is Less than equal to Rs.100.

Rs.900 - Late payment charges if the statement balance between Rs.Rs.10001 - Rs.25000.

Rs.100 - Late payment charges if the statement balance between Rs.101 - Rs.500.

Rs.1100 - Late payment charges if the statement balance between Rs.25001 - Rs.50000.

Rs.99 Per redemption request.

5% of Retail Balance / Cash Advance Balance and finance charges and 100% of Charges, Loan EMI billed under cards, levies, and taxes, previous month outstanding and rounded to the next higher 10th digit.

1% of Balance transfer amount or Rs.250, whichever is higher.

2.5% of overlimit amount, subject to a minimum of Rs.550.

1% fee will be levied on utility spends exceeding Rs.50000 per Calendar month.

Fee will be applied on the total Utility spends in a calendar month.

Fee capped at Rs 4999 per month.

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month.

Fee capped at Rs 4999 per transaction.

Monthly Finance Charges : 3.75%.

Annually Finance Charges : 45.0%.

A transaction fee of 2.5% or Rs.500 whichever is higher would be levied on the amount withdrawn and would be billed to the card member in the next statement.

The card member can use the card to access cash in an emergency from ATMs in India or abroad.

Rs.10 - Duplicate physical statement charges

1% fee will be levied on Education transactions done through third party applications like (but not limited to) CRED, PhonePe, No-broker, Cheq etc.

Fee capped at Rs.4999 per transaction.

2% of Payment amount subject to minimum of Rs.450.

Online Skill based Gaming - 1% fee will be levied on Online Skill based gaming spends exceeding Rs.10000 in a calendar month.

Fee will be applied on the total Online skill-based gaming spends in a calendar month.

Fee capped at Rs 4999 per month.

The interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card.

Foreign Currency Markup : Markup fee of 3.5% on all foreign currency transactions.

Reissue of lost,stolen or damaged card fees for non-metal cards: Rs.199.

Rs.100 (for all card payments made by depositing in HDFC Bank branches or ATMs).

1% fee will be levied on Education transactions done through third party applications like (but not limited to) CRED, PhonePe, No-broker, Cheq etc.

Fee capped at Rs.4999 per transaction.

NIL - Late payment charges if the statement balance is Less than equal to Rs.100.

Rs.900 - Late payment charges if the statement balance between Rs.Rs.10001 - Rs.25000.

Rs.100 - Late payment charges if the statement balance between Rs.101 - Rs.500.

Rs.1100 - Late payment charges if the statement balance between Rs.25001 - Rs.50000.

Rs.500 - Late payment charges if the statement balance between Rs.501 - Rs.1000.

Rs.1300 - Late payment charges if the statement balance more than Rs.50000.

Rs.600 - Late payment charges if the statement balance between Rs.1001 - Rs.5000.

Rs.750 - Late payment charges if the statement balance between Rs.5001 - Rs.10000.

Annually Finance Charges : 45.0%.

Monthly Finance Charges : 3.75%.

2% of Payment amount subject to minimum of Rs.450.

Online Skill based Gaming - 1% fee will be levied on Online Skill based gaming spends exceeding Rs.10000 in a calendar month.

Fee will be applied on the total Online skill-based gaming spends in a calendar month.

Fee capped at Rs 4999 per month.

Renewal Membership Fee For Primary Cardholder : Rs.1500 + Applicable Taxes.

Add-on Card Fee: Lifetime Free

Joining Fees For Primary Cardholder : Rs.1500 + Applicable Tax.

Interest Free Credit Period : Up to 50 days of interest free period on your 6E Rewards XL - IndiGo HDFC Bank Credit Card, from the date of purchase (subject to the submission of the charge by the Merchant).

Foreign Currency Markup : Markup fee of 2.5% on all foreign currency transactions.

Reissue of lost,stolen or damaged card fees for non-metal cards: Rs.199.

Rs.100 (for all card payments made by depositing in HDFC Bank branches or ATMs).

A Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.

Railway Ticket Purchase Fee: 1% of the transaction amount + GST.

Wallet Loading (excl PayZapp) - 1% fee will be levied on Wallet loading spends exceeding Rs.10000 in a calendar 
month.

Fee will be applied on the total wallet loading spends in a calendar month.

Fee capped at Rs 4999 per month.

Rs.99 Per redemption request.

5% of Retail Balance / Cash Advance Balance and finance charges and 100% of Charges, Loan EMI billed under cards, levies, and taxes, previous month outstanding and rounded to the next higher 10th digit.

1% of Balance transfer amount or Rs.250, whichever is higher.

2.5% of overlimit amount, subject to a minimum of Rs.550.

1% fee will be levied on utility spends exceeding Rs.50000 per Calendar month.

Fee will be applied on the total Utility spends in a calendar month.

Fee capped at Rs 4999 per month.

1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month.

Fee capped at Rs 4999 per transaction.

A transaction fee of 2.5% or Rs.500 whichever is higher would be levied on the amount withdrawn and would be billed to the card member in the next statement.

The card member can use the card to access cash in an emergency from ATMs in India or abroad.

Rs.10 - Duplicate physical statement charges.

Outstation Cheque Charges - Waived

Joining Fee : Rs.500 + Taxes.

Annual Fee 2nd year onwards : Rs.500 + Taxes.

Add-on Card Charges - Waived.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges : 3.75% Per Month.

Annually Finance Charges  : 55.55% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.50% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Card Replacement Fees - Nil.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Spend of Rs.2 Lakhs in the preceding card anniversary year for annual fee waiver.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500.

Charges in case of default - If American Express does not receive the Minimum Payment by the payment due date (as shown on the monthly Card statement), a late payment Charge of 30% of the Minimum Payment Due as shown on the Card statement,subject to a minimum of Rs.500 and a maximum of Rs.1000, plus applicable taxes will be levied to the Card Account.

Minimum Amount Payable - The monthly statement will show the minimum payment the Cardmember needs to pay American Express which will be sum of all listed items as under

5% of the principal amount or minimum of Rs.100 whichever is greater and

The total sum of any Card Fees, Charges, Taxes and, Interest

Any installment due under any extended/deferred payment plan that American Express may offer.

First Year Fee: Rs.1000 plus applicable taxes.

Renewal Fees : Renewal Fees i.e. Second Year onwards Rs.4500 plus applicable taxes.

Standard Supplementary Card Fee : Rs.1000.

Monthly Finance (Interest) Charges : 3.5%

Annually Finance (Interest) Charges : 42%.

The transaction fee of 3.5% of the Cash Advance Amount, subject to minimum of Rs.250 is levied every time a card member withdraw cash on his card.

Rs.100 per statement for statements older than 3 months.

Cheque, ECS, NACH return Fee : Rs.250 per returned instrument.

Interest Free Credit Period - Cardmember can enjoy up to 48 days free credit without any Interest Charges levied to the Credit Card Account.

Foreign Currency Transactions : Currency Conversion Factor Assessment: 3.50%.

Record of Charge Retrieval Fees : Rs.100 per retrieval.

1.8% of the transaction value if booked on the internet (IRCTC) subject to minimum of Rs.10 and applicable payment gateway charges + GST.

Monthly Finance (Interest) Charges : 3.5%

Annually Finance (Interest) Charges : 42%.

Standard Supplementary Card Fee : Rs.1500.

First Year Fee: Rs.1000 plus applicable taxes.

Renewal Fees : Renewal Fees i.e. Second Year onwards Rs.4500.

The transaction fee of 3.5% of the Cash Advance Amount, subject to minimum of Rs.250 is levied every time a card member withdraw cash on his card.

Rs.100 per statement for statements older than 3 months.

Cheque, ECS, NACH return Fee : Rs.250 per returned instrument.

Interest Free Credit Period - Cardmember can enjoy up to 48 days free credit without any Interest Charges levied to the Credit Card Account.

Foreign Currency Transactions : Currency Conversion Factor Assessment: 3.50%.

The Annual Membership Renewal fee of Rs.4500 will be 100% waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.150000 and above.

Else 50% annual membership renewal fee will be waived off if total spends on American Express Credit Card in the immediately preceding membership year is Rs.90000 to Rs.149999.

Record of Charge Retrieval Fees : Rs.100 per retrieval.

1.8% of the transaction value if booked on the internet (IRCTC) subject to minimum of Rs.10 and applicable payment gateway charges + GST.

Charges in case of default - If American Express does not receive the Minimum Payment by the payment due date (as shown on the monthly Card statement), a late payment Charge of 30% of the Minimum Payment Due as shown on the Card statement,subject to a minimum of Rs.500 and a maximum of Rs.1000, plus applicable taxes will be levied to the Card Account.

Minimum Amount Payable - The monthly statement will show the minimum payment the Cardmember needs to pay American Express which will be sum of all listed items as under

5% of the principal amount or minimum of Rs.100 whichever is greater and

The total sum of any Card Fees, Charges, Taxes and, Interest

Any installment due under any extended/deferred payment plan that American Express may offer.

Minimum Amount Payable - The monthly statement will show the minimum payment the Cardmember needs to pay American Express which will be sum of all listed items as under

5% of the principal amount or minimum of Rs.100 whichever is greater and

The total sum of any Card Fees, Charges, Taxes and, Interest

Any installment due under any extended/deferred payment plan that American Express may offer.

Standard Supplementary Card Fee : Rs.1500.

First Year Fee: Rs.5000 plus applicable taxes.

Renewal Fees : Renewal Fees i.e. Second Year onwards Rs.5000 plus applicable taxes.

Monthly Finance (Interest) Charges : 3.5%

Annually Finance (Interest) Charges : 42%.

The transaction fee of 3.5% of the Cash Advance Amount, subject to minimum of Rs.250 is levied every time a card member withdraw cash on his card.

Rs.100 per statement for statements older than 3 months.

Cheque, ECS, NACH return Fee : Rs.250 per returned instrument.

Interest Free Credit Period - Cardmember can enjoy up to 48 days free credit without any Interest Charges levied to the Credit Card Account.

Foreign Currency Transactions : Currency Conversion Factor Assessment: 3.50%.

Record of Charge Retrieval Fees : Rs.100 per retrieval.

1.8% of the transaction value if booked on the internet (IRCTC) subject to minimum of Rs.10 and applicable payment gateway charges + GST.

Charges in case of default - If American Express does not receive the Minimum Payment by the payment due date (as shown on the monthly Card statement), a late payment Charge of 30% of the Minimum Payment Due as shown on the Card statement,subject to a minimum of Rs.500 and a maximum of Rs.1000, plus applicable taxes will be levied to the Card Account.

Record of Charge Retrieval Fees : Rs.100 per retrieval

Monthly Finance (Interest) Charges : 3.5%

Annually Finance (Interest) Charges : 42%.

Renewal Fees : Renewal Fees i.e. Second Year onwards Rs.495.

Standard Supplementary Card Fee : Rs.250.

Annual fee : Annual Fee of Rs. 495 plus applicable taxes.

The transaction fee of 3.5% of the Cash Advance Amount, subject to minimum of Rs.250 is levied every time a card member withdraw cash on his card.

Minimum Amount Payable - The monthly statement will show the minimum payment the Cardmember needs to pay American Express which will be sum of all listed items as under

5% of the principal amount or minimum of Rs.100 whichever is greater and

The total sum of any Card Fees, Charges, Taxes and, Interest

Any installment due under any extended/deferred payment plan that American Express may offer.

Cheque, ECS, NACH return Fee : Rs.250 per returned instrument.

Interest Free Credit Period - Cardmember can enjoy up to 48 days free credit without any Interest Charges levied to the Credit Card Account.

Foreign Currency Transactions : Currency Conversion Factor Assessment: 3.50%.

1.8% of the transaction value if booked on the internet (IRCTC) subject to minimum of Rs.10 and applicable payment gateway charges + GST.

Get a renewal fee waiver on eligible spends of Rs.40000 and above in the previous year of Card membership.

Charges in case of default - If American Express does not receive the Minimum Payment by the payment due date (as shown on the monthly Card statement), a late payment Charge of 30% of the Minimum Payment Due as shown on the Card statement,subject to a minimum of Rs.500 and a maximum of Rs.1000, plus applicable taxes will be levied to the Card Account.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Card Replacement Fees - Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Annual Fee waived off on annual spends greater than Rs.200000.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Outstation Cheque Fees - Waived.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Joining Fees For Primary Cardholder : Rs.499.

Annual Fee 2nd year onwards : Rs.499.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Monthly Finance Charges  : 3.75% Per Month.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Duplicate Statement Fee is Waived.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Standard Annual Fee 2nd year onwards : Rs.5000.

Standard Add-on Card Joining Fees - Nil.

Joining Fee : Rs.5000.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges : 3.75% Per Month.

Annually Finance Charges  : 55.55% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.50% of the transaction value.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Card Replacement Fees - Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500.

Outstation Cheque Charges - Waived

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Add-on Card Charges : Nil.

Joining Fee of Rs.749.

Annual Fee 2nd year onwards : Rs.749.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Card Replacement Fees - Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Outstation Cheque Fees - Waived.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Annually Finance Charges  : 55.55% Per Annum.

Monthly Finance Charges : 3.75% Per Month.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Annual Fees : Rs. 1000+ GST for Primary Card. Not applicable on Addon Card.

Joining Fees : Rs. 1000+ GST for Primary Card. Not applicable on Addon Card.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Foreign currency transactions fee : 3.50% of the transaction value.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Card Replacement Charges : Waived.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Outstation Cheque Charges - Waived

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Spend Rs.400000 and above in an anniversary year to be eligible for annual fee waiver.

2.5% of the over-limit amount subject to a minimum of Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Annually Finance Charges  : 55.55% Per Annum.

Monthly Finance Charges : 3.75% Per Month.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Annual Fee - Nil.

Joining Fee - Nil.

Foreign currency transactions fee : 3.50% of the transaction value.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Card Replacement Charges : Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Outstation Cheque Charges - Waived

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

2.5% of the over-limit amount subject to a minimum of Rs.500.

1% fee per transaction will be applicable on each rental transaction.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Duplicate Statement Fee is Waived.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Card Replacement Fees - Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Charge Slip Retrieval Feels or Copy Request Fee : Waived.

Annual Fee waived off on achieving spends of Rs.50000 in preceding card anniversary year.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Outstation Cheque Fees - Waived.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Joining Fees For Primary Cardholder : Rs.350.

Annual Fee 2nd year onwards : Rs.350.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Annual Fee - Rs.3000 + GST for Primary card.

Add-on Card Charges - Free

Joining Fee - Rs.3000 + GST for Primary card.

Outstation Cheque Charges - Waived

Rewards Redemption Fee - Waived.

2.5% of the over-limit amount subject to a minimum of Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction.

Monthly Finance Charges : 3.75% Per Month.

Annually Finance Charges  : 55.55% Per Annum.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Foreign currency transactions fee : 3.50% of the transaction value.

Card Replacement Charges : Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Duplicate Statement Fee is Waived.

Annual Fee 2nd year onwards : Rs.799 + GST.

Add-on Card Charges - Nil.

Joining Fees : Rs.799 + GST

Annually Finance Charges  : 55.55% Per Annum.

Monthly Finance Charges : 3.75% Per Month.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Foreign currency transactions fee : 3.50% of the transaction value.

A transaction fee of 1% will be applicable on education payments made via third-party apps (not limited to) such as CRED, PayTM, Cheq, and Mobikwik.

Card Replacement Charges : Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount subject to a minimum of Rs.500.

Wallet Load Transaction Fee - 1% Fee will be applicable for cumulative spends on Rs.10000 or more for wallet loads within a statement period.

1% fee per transaction will be applicable on each rental transaction.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Lifetime Free Card : Zero joining fees.

Annual Fee 2nd year onwards : Nil.

1% fee per transaction will be applicable on each rental transaction.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Monthly Finance Charges : 3.75% Per Month.

Annually Finance Charges  : 55.55% Per Annum.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.50% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Card Replacement Charges : Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

2.5% of the over-limit amount subject to a minimum of Rs.500.

Outstation Cheque Charges - Waived

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Annually Finance Charges  : 42.58% Per Annum.

Monthly Finance Charges : 3.0% Per Month.

Annual Fee 2nd year onwards : Rs.12500 + Taxes.

Joining Fee : Rs.12500 + Taxes.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Card Replacement Fees - Waived.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

2% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Outstation Cheque Charges - Waived

Spend of Rs. 25 Lakhs in preceding year for annual fee waiver.

Cash withdrawal fees : Waived.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 2% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Duplicate Statement Fee is Waived.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Joining Fees : Rs.3500 + GST

Standard Annual Fee 2nd year onwards : Rs.3500 + GST.

Add-on Card Charges - Nil.

Annually Finance Charges  : 55.55% Per Annum.

Monthly Finance Charges : 3.75% Per Month.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Foreign currency transactions fee : 3.50% of the transaction value.

Card Replacement Charges : Nil.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Outstation Cheque Charges - Waived

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

2.5% of the over-limit amount subject to a minimum of Rs.500.

1% fee per transaction will be applicable on each rental transaction.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Annual Fee 2nd year onwards : Rs.500.

Add-on Card Charges : Nil.

Joining Fee of Rs.500.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Card Replacement Fees - Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Outstation Cheque Fees - Waived.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Joining Fee of Rs. 250.

Annual Fee 2nd year onwards : Rs.250.

Add-on Card Charges : Nil.

Outstation Cheque Fees - Waived.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Card Replacement Fees - Nil.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Outstation Cheque Fees - Waived.

Joining Fee of Rs.1500

Annual Fee 2nd year onwards : Rs.1500.

Add-on Card Charges : Nil.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Card Replacement Fees - Nil.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Annual fees of Rs.1500 will be reversed on achieving spends of Rs.5 lakhs in the previous card anniversary year.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Card Replacement Fees - Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Annual fees of Rs.1500 will be reversed on achieving spends of Rs.5 lakhs in the previous card anniversary year.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Joining Fee of Rs.1500

Annual Fee 2nd year onwards : Rs.1500.

Add-on Card Charges : Nil.

Outstation Cheque Fees - Waived.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges For Retail Purchase and Cash : 3.40% Per Month.

Annually Finance Charges For Retail Purchase and Cash : 49.36% Per Annum.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Add-on Card Charges - Nil.

Joining Fee : Rs.50000 + Taxes

Annual Fee 2nd year onwards : Rs.50000 + Taxes.

Monthly Finance Charges : 3.0% Per Month.

Annually Finance Charges  : 42.58% Per Annum.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 1.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Spend of Rs.35 Lakhs in preceding year for annual fee waiver.

Card Replacement Fees - Waived.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

1.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500.

Outstation Cheque Charges - Waived

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Cash withdrawal fees : Waived.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Outstation Cheque Fees - Waived.

Annual Fee 2nd year onwards : Rs.1000.

Add-on Card Charges : Nil.

Joining Fees For Primary Cardholder : Rs.1000.

EDGE MILES Points Redemption Fee - Waived.

EDGE REWARD Points Redemption Fee - Waived

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Annual fee waived off on annual spends of Rs.200000 and above.

Card Replacement Fees - Nil.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Annually Finance Charges : 55.55% Per Annum.

Monthly Finance Charges  : 3.75% Per Month.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Complete annual fee waiver on spending of Rs. 8 lakhs in a card anniversary year.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Card Replacement Fees - Nil.

Joining Fee of Rs.3000

Annual Fee 2nd year onwards : Rs.3000.

Add-on Card Charges : Nil.

EDGE REWARD Points Redemption Fee - Rs. 99 per redemption transaction.

EDGE MILES Points Redemption Fee - Rs.199 per redemption transaction on conversion/transfer of EDGE points/miles to other miles partner.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Outstation Cheque Fees - Waived.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement Fee is Waived.

Foreign currency transactions fee : 3.5% of the transaction value.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Duplicate Statement Fee is Waived.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Annual Fee 2nd year onwards : Rs.500.

Add-on Card Charges - Nil.

Joining Fees : Rs. 500 (only for new card issuance).

Annually Finance Charges  : 55.55% Per Annum.

Monthly Finance Charges : 3.75% Per Month.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : Late payment charges if total payment due upto Rs.500.

Foreign currency transactions fee : 3.50% of the transaction value.

Card Replacement Charges : Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Outstation Cheque Charges - Waived

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

2.5% of the over-limit amount subject to a minimum of Rs.500.

Annual fee Rs.500 waived for cumulative spend of Rs.1 L and above.

1% fee per transaction will be applicable on each rental transaction.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Nil : Late payment charges if total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

2.5% of the over-limit amount subject to a minimum of Rs.500.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Standard Annual Fee 2nd year onwards : Rs.3000.

Add-on Card Charges - Nil.

Standard Joining Fees : Rs.5000 (Special Invitation Price : Rs.3000).

1% fee per transaction will be applicable on each rental transaction.

Monthly Finance Charges : 3.75% Per Month.

Annually Finance Charges  : 55.55% Per Annum.

Cash withdrawal fees : 2.5% (Min. Rs.500) of the cash amount.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Duplicate Statement request beyond 3 months - Nil.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Foreign currency transactions fee : 3.50% of the transaction value.

Card Replacement Charges : Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Spend more than Rs.300000 in the preceding year and you will be eligible for annual fee waiver.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Outstation Cheque Charges - Waived

EDGE REWARD Points Redemption Fee - Waived

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Outstation Cheque Fees - Waived.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Joining Fee of Rs.1500.

Annual Fee 2nd year onwards : Waived off

Add-on Card Charges : Nil.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Duplicate Statement Fee is Waived.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Foreign currency transactions fee : 3.5% of the transaction value.

Card Replacement Fees - Nil.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Joining Fee of Rs.10000

Annual Fee 2nd year onwards : Rs.10000.

Add-on Card Charges : Nil.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Duplicate Statement Fee is Waived.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Foreign currency transactions fee : 3.5% of the transaction value.

Card Replacement Fees - Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle.

Outstation Cheque Fees - Waived.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

3.5% plus taxes will be applicable on each International transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.

Rs.1200 - Late payment charges if the payment due between Rs.10001 - Rs.50000.

Rs.1300 - Late payment charges if the payment due more than Rs.50000.

Nil : If total payment due upto Rs.500.

Rs.500 - Late payment charges if the payment due between Rs.501 - Rs.5000.

Rs.750 - Late payment charges if the payment due between Rs.5001 - Rs.10000.

Outstation Cheque Fees - Waived.

Fuel Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.50000 or more on fuel transactions per statement cycle.

2.5% of the over-limit amount (excluding interest, fees, charges and taxes) subject to a minimum of Rs.500

Education Transaction Fee - 1% fee per transaction will be applicable on education payments made via third party apps.

Joining Fee of Rs.3000

Annual Fee 2nd year onwards : Rs.3000.

Add-on Card Charges : Nil.

1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.

Online Skill-Based Gaming Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on online skill-based gaming platforms in a statement cycle.

Monthly Finance Charges  : 3.75% Per Month.

Annually Finance Charges : 55.55% Per Annum.

Cash withdrawal fees : 2.5% of the cash amount subject to minimum Rs.500.

Duplicate Statement Fee is Waived.

Charge Slip Retrieval Feels or Copy Request Fee : Waived

Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds) - 2% of the payment amount subject to Min. Rs.500.

Wallet Load Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.10000 or more on wallet loads per statement cycle

Foreign currency transactions fee : 3.5% of the transaction value.

Card Replacement Fees - Nil.

Fee for Cash Payment at branches : Rs.175.

Daily Limit for cash payment is Rs.50000.

Utility Transaction Fee - 1% fee will be applicable on cumulative spends of Rs.25000 or more on utilities per statement cycle.

Spend Rs.35000 in every card anniversary year and get your annual fee reversed.

Spend Rs.6000 in first 60 days and get joining fee reversed.

Processing Fee on Rent Payments : A fee of 1% of the total transaction amount will be levied on all rent payment transactions.

Rs.950 - Late payment charges if the statement balance between Rs.10001 - Rs.25000.

NIL - Late payment charges if the statement balance is Less than Rs.100.

Rs.1100 - Late payment charges if the statement balance between Rs.25001 - Rs.50000.

Rs.100 - Late payment charges if the statement balance between Rs.100 - Rs.500.

Rs.1300 - Late payment charges if the statement balance more than Rs.50000.

Rs.400 - Late payment charges if the statement balance between Rs.501 - Rs.1000.

Rs.750 - Late payment charges if the statement balance between Rs.1001 - Rs.10000.

Annual Fees For Primary Cardholder : Rs.500 + Applicable Tax.

Add-on Card Charges - Nil.

Joining FeesFor Primary Cardholder : Rs.500 + Applicable Tax.

Monthly Finance (Interest) Charges : 3.6% per month.

Annually Finance (Interest) Charges : 43.2% per annum.

Cash Withdrawal Charges - 2.50% of the withdrawn amount or Rs.500 whichever is higher.

1% processing fee will be levied on fuel transactions (MCC 5172, 5541, 5542, 5983) where transaction amount is Rs.10000 or higher.