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| Type of Fee | Gold |
| Minimum Credit Limit | Rs 10,000/- |
| Interest Rate (p.a) | 20.00% |
| Balance transfer fee | 15% Upwards |
| Primary Card Annual Fee | Rs 1,000/- |
| Joining Fee | Rs 500/- |
| Supplementary Annual Fee | Rs 500/- |
| Supplementary Joining Fee | Free |
| Interest Free Period | 55 Days Max |
| Minimum Payment | 5% x Total Outstanding* |
| Cash Advance Limit | 35% x Limit |
| Over Limit Fee | Rs 750/- |
| Late Payment Fee | Rs 750/- |
| Cash Advance Fee | Rs 200/- or 3% whichever is higher |
| Limit Enhancement Fee | Rs 750/- |
| Card Replacement | Rs 500/- |
| PIN Replacement | Rs 100/- |
| Per Statement Copy (Except Last Statement) | Rs 150/- |
| Cheque Return | Rs 900/- |
| Tax/Visa/ Limit / Interest Confirmation Letter | Rs 250/- |
| 0% Instalment plan handling fee | Rs 250/- |
| Overseas Courier Fees | Rs 2500/- |
Credit Card – Terms and Conditions
*Credit Card settlements carried out via Mobile Banking / Internet Banking should be done prior 5.00 PM on the due date to avoid any settlement delays.
* The following geographies are currently subjected to comprehensive U.S. sanctions. Mastercard has no offices, subsidiaries, or affiliated entities, nor does Mastercard license any customers to issue or to acquire transactions from either point-of-sale (POS) or ATM locations, in these regions and countries:
