Validity
Global
Network
Visa / Master
Income eligibility (Rs/pa)
Public/PSU
175,000
Self employed
175,000
Salaried
175,000
Age (yrs)
21
Joining fee
0
Annual fee
1,000
Add-on card fee
1,000
Photo card fee
0
Credit period (days)
48
Credit charge (%)
2.95
Min. Payment (%)
5
ATMs in India
107
ATMs globally
550,000
Establishments
100,000
Designated branches
27
Cash advance charges
Service fee of 2.5% (min. Rs 100)
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
40% of the credit limit upto Rs 10,000 whichever is lower
Late payment charges
10 % per month min. Rs 100 - max. Rs 250
Lost card liability (Rs)
Before reporting
Unlimited
After reporting
None
Service charges (%)
2.5
Card replacement (Rs)
100
Air accident (Rs)
2,000,000
General accident (Rs)
200,000
Add-on card cover (Rs)
0
Baggage cover (Rs)
1,200
Purchase protection (Rs)
50,000
Credit shield (Rs)
40,000