|
Service Fee |
3.00% per month (36% APR) on cash advance
3.00% per month (36% APR) on retail transactions
1.50% per month (18% APR) on BTF transactions
|
Step-By-Step (SBS) - Factors & APR details: |
|
Installment Plan |
Factor |
APR |
|
3 months |
0.350833 |
31.23% |
|
6 months |
0.184167 |
35.15% |
|
9 months |
0.128611 |
36.36% |
|
12 months |
0.100833 |
36.74% |
|
18 months |
0.073056 |
36.68% |
|
24 months |
0.059167 |
36.22% |
|
30 months |
0.050833 |
35.66% |
|
36 months |
0.045278 |
35.07% |
|
BTF to SBS - Factors & APR details: |
|
Installment Plan |
Factor |
APR |
|
3 months |
0.343233 |
17.73% |
|
6 months |
0.176567 |
20.09% |
|
9 months |
0.121011 |
20.90% |
|
12 months |
0.093233 |
21.25% |
|
18 months |
0.065456 |
21.44% |
|
24 months |
0.051567 |
21.37% |
|
30 months |
0.043233 |
21.21% |
|
36 months |
0.037678 |
21.01% |
|
24% APR on Credit on Phone to SBS Transactions |
|
Credit on Phone to SBS - Factors & APR details: |
|
Installment Plan |
Factor |
APR |
|
3 months |
0.34675 |
24.00% |
|
6 months |
0.17853 |
24.00% |
|
9 months |
0.12252 |
24.00% |
|
12 months |
0.09456 |
24.00% |
|
18 months |
0.06670 |
24.00% |
|
24 months |
0.05287 |
24.00% |
|
30 months |
0.04465 |
24.00% |
|
36 months |
0.03923 |
24.00% |
|
|
Late Fee |
Rs. 600/- or 10% of minimum amount, which ever is higher |
|
Cash Payment Processing Fee |
Rs. 100/- per transaction |
|
Merchant Discount Charges |
Upto 5% of transaction amount |
|
VISA Mini Supplementary Card Fee |
Rs. 500/- per supplementary card |
|
Cash Withdrawal Fee: |
|
|
- Cash Advance Fee/Call & Pay Fee |
Rs. 500/- or 3% of cash advance amount, whichever is
higher |
|
- Acquiring Bank Charges |
1% of cash advance amount |
|
- Acquirer Cash Counter Fee (off us cards) |
1% of transaction amount or Rs. 300/-, whichever is
higher |
|
Over Limit Fee |
Rs. 600/- or 2% of Over Limit amount, whichever is
higher |
|
Voucher Retrieval Fee |
Local: Rs. 350/- and International: Rs. 800/- |
|
Card Replacement/Upgrade Fee |
Rs. 500/- |
|
Cheque Return Charges / Rejected AutoPay Service Fee |
Rs. 800/- |
|
Duplicate Statement Charges |
Rs. 200/- (whenever 1 month old) |
|
Step-By-Step (SBS) / Credit on Phone to SBS Processing
Charges |
2% of transaction amount |
|
Step-By-Step (SBS) / Credit on Phone
to SBS Premature Settlement Charges |
5% on balance amount or
Rs. 1,000/-, whichever is higher |
|
Credit Cover Premium |
0.50% of outstanding amount |
|
Utility Bill Payment Charges |
Rs. 25/- per utility bill |
|
Platinum / Titanium Priority - Annual Fee |
Upto US $4.71 per annum |
|
Platinum / Titanium Priority - Airport Lounge Visit Fee |
Upto US $28.25 per visit |
|
SMS Alert Fee |
Rs. 25/- per month |
|
Mobile Banking Fee |
Rs. 5/- per transaction |
|
Merchant Cash Advance Incentive |
Rs. 25/- per transaction |
|
Mobile PIN Issuance |
Rs. 10/- per PIN |
|
Arbitration Charges |
US$ 500/- |
|
Insurance Plans Cancellation Charge (Life & Education
Insurance Plan) |
Rs. 100/- |
|
Chip Maintenance Fee |
Rs. 300/- for Principal Cardmember Rs. 300/- for
Supplementary Cardmember |
