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Fees & Charges

Fee & other Parameters	811 #DreamDifferent Credit Card
Joining Fees	NA
Annual Fees	Nil
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Addon card Fees	Nil
Interest Charges on outstanding Balances*	3.50% (Annualized 42%)
Interest Charges on outstanding Balances*	3.50% (Annualized 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	10%
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	₹100 for every instance of ATM withdrawal and Fund transfer
Late Payment Charges ("LPC")	Due as per last statement	LPC charges
	<₹100	0
	>=₹100	500.0
Over Limit Charge	Rs. 0
Cheque Bounce Charges	2.0% on bounce amount or ₹500 whichever is higher
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived
Fuel Surcharge (1% on transaction)**	Waived
Fee for Cash payment at Bank	Rs. 100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Rs. 100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived (effective 10th JAN,2014)
Credit Limit Increase Processing fee	Waived w.e.f 15th April 2024 for new cardholders and 1st June 2024 for all existing cardholders, No charges will be applicable on 811 #DreamDifferent Credit Card
Rent Payments	2% of the Transaction Amount for all transactions done on MCC 6513 w.e.f 15th April 2024 for new cardholders and 1st June 2024 for all existing cardholders, 2% of the Transaction Amount + GST will be applicable on 811 #DreamDifferent Credit Card
Pre-closure charges- Personal Loan on Credit Card	3% on outstanding principle
Please Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
*Maximum Railway surcharge waiver of Rs. 500 in a calendar year
** Fuel surcharge to be waived only for transactions between values of Rs. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 3500 in a calendar year
*W.e.f 20-06-21, the Interest Charges on outstanding Balances for 811 #DreamDifferent Credit Card shall be revised to 3.50% (Annualized 42%)

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