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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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Flat Rs. 200/ per quarter
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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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Ecom 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 Repay Select Debit Card
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Gym
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Nil
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15 days/1month 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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