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Eligibility
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Accounts Can be Opened by All Those Who Are Eligible to Open Savings Bank Accounts.
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Quarterly Average Balance (QAB)
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Rs. 5,000/- for All
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Non-Maintenance of QAB per Quarter
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If QAB shortfall < 50%
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150
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If QAB shortfall > 50% upto 75 %
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200
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If QAB shortfall > 75 %
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250
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Internet & Mobile Banking Facility
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Free
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Type of Debit Card
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VISA Gold/Rupay Platinum
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Debit Card Issuance Charges
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Free
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Debit Card Annual Maintenance Charge
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As per Applicable Charges
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ATM Cash Withdrawal Limit
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Rs. 40,000/- in VISA Gold
Rs. 50,000/- in Rupay Platinum
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ATM POS Limit
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Rs. 1.25 Lac
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E-Com Limit
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Rs. 1.25 Lac
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ATM Access at own ATM
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Unlimited Free
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ATM Access at Other Bank ATM
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3 Transactions (Financial+Non-Financial) per Month at Metro or 5 Transactions (Financial+Non-Financial) per Month at Other Centres
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Lounge Access: Domestic/International Airport
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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
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FREE Personal Accident Insurance - With Account
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Rs. 2 Lakhs (Death+PPD & TPD)
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FREE Personal Accident Insurance - With Debit Card
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Rs. 2 Lakhs by NPCI for RuPay Platinum
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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
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Type of Credit card
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Visa Classic
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Credit Card Limit Subject to Bureau Score, Income Norms and Other Eligibility Criteria
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Issuance Free Annual Maintenance Charges (AMC) - 25% Waiver
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NEFT
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Free Both Online & Offline
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RTGS Facility
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Free Both Online & Offline
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IMPS
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Free
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Demand Draft
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FREE upto Rs. 50,000/- Per Annum
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SWEEP OUT FACILITY (Flexi Facility)
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Available, if the Balance Exceeding Rs. 50,000/- will Swept Out and Kept in TD
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Core Deposit/Threshold Deposit
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Rs. 50,000/-
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Sweep Out Amount
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Rs. 5,000/-
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Sweep Out Periodicity (From SB to FD Account)
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Upto 179 Days
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Concession in Processing Charges on Retail Loans
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Up to 25% Concession (For Women Up to 35% Concession)
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Personalized Free Cheque Books (Per Annum)
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Free up to 60 Leaves a Year. (For Women Free up to 75 Leaves a Year)
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SMS Charges
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Free
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Concession on Locker Rent
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10 % waiver (For Women 15 % Waiver)
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Locker Operations
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Free
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Processing Fee for Home Loan of Rs. 25 Lacs and Above
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50% Concession
(For Women 75 % Concession)
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Processing Fee For Home Loan below Rs. 25 Lacs
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Up to 25% Concession (For Women Up to 35% Concession)
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Rate of Interest on Home Loan
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No Concession
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Rate of Interest on Vehicle Loan
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No Concession
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Rate of Interest on Education Loan More than Rs. 7.5 Lacs for Study Abroad/Premier Institution
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No concession
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Rate of Interest on Personal Loan
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0.05% p.a. Concession in Applicable ROI (For Women 0.10% p.a. Concession in Applicable ROI)
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Instant Credit of Outstation Cheques
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Rs. 15,000/-
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Standing Instructions
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Free
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Utility Bill Payment, Online Tax Payment
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Free
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Stop Payment Instruction Charges
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Free
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Account Statement through E-Mail/E-Statement (Monthly)
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Free
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Benefits with Rupay Select Debit Card
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Gym
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Nil
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15 Days/1 Month Free Gym Membership.
40-50% Discounted Price on Extension of Membership.
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GOLF
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Nil
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1 Complimentary Golf Lesson / Round in a Year. Discounted Access From 2nd Visits Onwards.
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SPA Services
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Nil
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1 Complimentary SPA Session in a year. 40-50% Discount on Additional Sessions Throughout the Year.
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Health Check Up
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Nil
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1 Complimentary Premium Health Check-up Package in a Year. Discounted Health Check-up Facility Post Utilization of Complimentary Offer
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Concierge Services
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Nil
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Personal Assistance Anytime Anywhere 24x7 is Available in Hindi and English Languages
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Exclusive Merchant Offers
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Nil
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Exclusive Offers From Selected Partner Merchants.
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