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

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

E-Com 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/1 Month 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.