| My Zone Credit Card |
Charges |
| Joining Fee |
Rs. 500 Waived upon spends of Rs. 5,000 in 45 days
|
| Annual Fee |
1st Year: Nil
2nd Year onwards: Rs. 500
|
| Add-on Card Joining Fee |
Nil |
| Add-on Card Annual Fee |
Nil |
| Card Replacement Fee (lost or stolen or re-issue) |
Waived |
| Cash Payment Fee |
Rs. 100/- |
| Duplicate Statement Fee |
Waived |
| Charge Slip 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 up to 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. 20,000
- Rs. 700 if Total Payment due is Rs. 20,001 and above
|
| Over Limit Penalty |
3% of the overlimit amount (Min. Rs 500) |
| Cheque Return or Dishonour Fee or Auto-debit Reversal |
Rs. 300/- |
| Surcharge on Purchase or Cancellation of Railway Tickets |
As prescribed by IRCTC / Indian Railways |
| Fuel Transaction Surcharge Transaction |
1% of transaction amount (Refunded for fuel transactions between Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 400 per month) |
| Foreign Currency Transaction Fee |
3.50% of the transaction value |
| Reward Point Redemption fee |
Nil |
| GST |
As per existing Government norms |
