| My Choice Credit Card |
Charges |
| Joining Fee |
Rs. 250/-
|
| Annual Fee |
1st Year: Nil
2nd Year onwards: Rs. 250
|
| Image Card Fee |
Rs. 150/- |
| Add-on Card Joining Fee |
Nil |
| Add-on Card Annual Fee |
Nil |
| Add-on Image Card Fee |
Rs. 150/- |
|
Card Replacement Fee
|
Image Card: Rs. 150/-
Other Card: Nil
|
| Fee for Cash Payment |
Rs. 100/- |
|
Duplicate Statement Fee
|
Waived |
| Chargeslip Retrieval Fee or Copy Request Fee |
Waived |
| Outstation Cheque Fee |
Waived |
| Mobile Alerts for Transactions |
Free |
| Hotlisting Charges |
Nil |
|
Balance Enquiry Charges
|
Waived |
| Finance Charges (Retail Purchases & Cash) |
3.25% per month (46.78% per annum) |
| Cash Withdrawal Fees |
2.5% (Min. Rs 250) of the Cash Amount |
| Overdue Penalty or Late Payment Fee |
- Nil if Total Payment Due is upto Rs. 100
- Rs. 100 if Total Payment Due is between Rs. 101 - Rs. 300
- Rs. 300 if Total Payment Due is between Rs. 301 - Rs. 1000
-
- Rs. 500 if Total Payment Due is between Rs. 1001 - Rs. 5000
- Rs. 600 if Total Payment Due is between Rs. 5001 - Rs. 20000
-
Rs. 700 if Total Payment Due is Rs. 20001 and above
|
| Over Limit Penalty |
3% of the overlimit amount (Min. Rs 500) |
| Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds |
Rs 300 |
| Surcharge on purchase or cancellation of Railway Tickets |
As prescribed by IRCTC/Indian Railways |
| Foreign Currency Transaction Fee |
3.50% of the transaction value |
| Reward Point Redemption fee |
NIL |
| GST |
As per existing Government norms |
