| Description of Charges |
Gold Card |
| Interest Free Period |
Upto 50 days |
| Minimum Repayment Amount |
5%, Minimum Rs 200 |
| Cash Advance Limit |
40% of credit limit |
| Joining Fee |
Rs. 500 |
| Annual Fee |
Rs. 2000 |
| Additional Card fee |
Free for Life |
| Charges On revolving Credit |
2.95% P.M., 35.4% Annually;(2.85% P.M., 34.2% Annually
for HDFC Bank Account Holders) - from Transaction date |
| Cash Advance Charges |
2.5% on amount withdrawn or Rs. 300/-, whichever
is higher |
| Late Payment Charges |
30% of minimum amount due subject to minimum of
Rs. 350 and maximum of Rs. 600 |
| Charges on overlimit account |
2.5% of overlimit amount subject to a minimum of
Rs 500 |
| Payment return Charges |
2% of payment amount subject to minimum of Rs.
300 |
| Balance Transfer Processing Charges |
Rs. 100 |
| Balance Transfer on EMI processing Charges |
1.5% of BT amount or Rs 150/- whichever is higher |
| Petrol Transaction Charge |
2.5% (subject to a minimum of Rs. 10) |
| Railway Ticket Purchase Fee |
Rs. 30 + 2.5% of transaction amount |
| Reissue of Lost, Stolen or Damaged Card |
Rs. 100 |
| Outstation Cheque Processing Charge |
Rs. 100 |
| Retrieval Fees ( Chargeslip) |
Rs. 125 per Chargeslip |
| Foreign Currency Transactions |
Bank Charges Cross currency mark-up of 3.5% |
