|
Eligibility
|
Accounts can be opened by all those who are eligible to open savings bank accounts.
|
|
Quarterly Average Balance (QAB)
|
Rs 5,000/- for all
|
|
Non-Maintenance of QAB per quarter
|
Flat Rs. 200/ per quarter
|
|
Internet & Mobile Banking Facility
|
Free
|
|
Type of Debit card
|
VISA Gold/ Rupay Platinum
|
|
Debit Card Issuance Charges
|
Free
|
|
Debit Card Annual Maintenance Charge
|
As per applicable charges
|
|
ATM Cash Withdrawal Limit
|
Rs 40,000/- in VISA Gold /Rs 50,000/- in Rupay Platinum
|
|
ATM POS Limit
|
Rs 1.25 Lac
|
|
Ecom Limit
|
Rs 1.25 Lac
|
|
ATM Access at own ATM
|
Unlimited FREE
|
|
ATM Access at other Bank ATM
|
3 transactions (financial + non-financial) per month at Metro or 5 transactions (financial + non-financial) per month at other centres
|
|
Lounge access: Domestic /International Airport
|
Lounge access is subject to card network. As per the present scenario, Rupay (Platinum/Select) provides 2 lounge access per quarter while VISA(Platinum/Signature) provides 1 lounge access per quarter
|
|
FREE Personal Accident Insurance -With account
|
Rs 2 Lakhs (Death + PPD & TPD)
|
|
FREE Personal Accident Insurance -With Debit Card
|
Rs 2 Lakhs by NPCI for RuPay Platinum
|
|
As per the terms & conditions of NPCI, at present Debit Card will be eligible for Rupay Insurance Program only if it is being used in POS/Ecom transaction once in 30 days
|
|
Type of Credit card
|
Visa Classic
|
|
Credit Card limit subject to Bureau score, income norms and other eligibility criteria
|
Issuance Free Annual Maintenance Charges (AMC) -25% waiver.
|
|
NEFT
|
Free both online & offline
|
|
RTGS Facility
|
Free both online & offline
|
|
IMPS
|
Free
|
|
Demand Draft
|
FREE upto Rs. 50,000/- Per Annum
|
|
SWEEP OUT FACILITY (flexi Facility)
|
Available, if the balance exceeding Rs 50,000 will swept out and kept in TD
|
|
Core Deposit /Threshold Deposit
|
Rs 50,000/-
|
|
Sweep Out amount
|
Rs 5,000/-
|
|
Sweep out periodicity (From SB to FD account)
|
upto 179 days
|
|
Concession in Processing charges on retail loans
|
Up to 25% concession (for women Up to 35% concession)
|
|
Personalized Free Cheque Books (per annum)
|
FREE up to 60 leaves a year. (For women FREE up to 75 leaves a year)
|
|
SMS Charges
|
Free
|
|
Concession on locker Rent
|
10 % waiver (for women 15 % waiver)
|
|
Locker Operations
|
Free
|
|
Processing fee for home loan of Rs 25 lacs and above
|
50% concession
(For women 75 % concession)
|
|
Processing fee for home loan below Rs 25 lacs
|
Up to 25% concession (for women Up to 35% concession)
|
|
Rate of Interest on Home loan
|
No concession
|
|
Rate of Interest on Vehicle loan
|
No concession
|
|
Rate of Interest on Education loan more than Rs 7.5 lacs for study abroad / premier institution
|
No concession
|
|
Rate of Interest on Personal loan
|
0.05% p.a. concession in applicable ROI (for women 0.10% p.a. concession in applicable ROI)
|
|
Instant Credit of outstation cheques
|
Rs 15,000/-
|
|
Standing Instructions
|
Free
|
|
Utility Bill Payment, online Tax payment
|
Free
|
|
Stop Payment Instruction Charges
|
Free
|
|
Account Statement through e-mail/e-Statement (Monthly)
|
Free
|
|
Benefits with Rupay Select Debit Card
|
|
Gym
|
Nil
|
15 days/1month free gym membership.
40-50% discounted price on extension of membership.
|
|
GOLF
|
Nil
|
1 Complimentary Golf Lesson / round in a year. Discounted access from 2nd visits onwards.
|
|
SPA services
|
Nil
|
1 Complimentary SPA session in a year. 40-50% discount on additional sessions throughout the year.
|
|
Health Check Up
|
Nil
|
1 Complimentary premium health check-up package in a year. Discounted Health Check-up facility post utilization of complimentary offer.
|
|
Concierge Services
|
Nil
|
Personal assistance anytime anywhere 24x7 is available in Hindi and English languages.
|
|
Exclusive merchant offers
|
Nil
|
Exclusive offers from selected partner merchants.
|