Validity
Global
Network
Visa / Master
Income eligibility (Rs/pa)
Public/PSU
72,000
Self employed
96,000
Salaried
96,000
Age (yrs)
21
Joining fee
0
Annual fee
750
Add-on card fee
350
Photo card fee
0
Credit period (days)
50
Credit charge (%)
2.5
Min. Payment (%)
5
ATMs in India
58
ATMs globally
400,000
Establishments
110,000
Designated branches
0
Cash advance charges
Service fee of 2.5% (min. Rs 50)
Interest at 2.95% pm calculated on daily basis from withdrawal date
Interest at 2.95% pm calculated on daily basis from withdrawal date
Cash advance limit
Rs 5,000 pm in the first year of membership and 60% of the credit limit from the second year.
Late payment charges
2.5% or Rs 50 which ever is higher
Lost card liability (Rs)
Before reporting
Unlimited
After reporting
None
Service charges (%)
2.5
Card replacement (Rs)
0
Air accident (Rs)
1,000,000
General accident (Rs)
500,000
Add-on card cover (Rs)
0
Baggage cover (Rs)
10,000
Purchase protection (Rs)
15,000
Credit shield (Rs)
0