Fees and Charges

Products

Fees, charges & other Parameters	Kotak IndiGo 6E Rewards XL Credit Card
Joining Fee	₹ 1,500
Annual Fee	₹ 1,500
Add-on Card Fees	NA
Interest charges on outstanding balances	3.70% (Annualized 44.4%)
Minimum Amount Due (MAD) (It will reflect in your statement in the Minimum Amount Due column)	5% of Total Amount Due (TAD)
ATM cash withdrawal/Cash advance per ₹ 10,000 or part thereof Late Payment Charges (LPC)	2.5% of Advance amount subject to minimum of ₹500
Outstanding Statement Amount	LPC
< ₹100	₹ 0
₹100 - 500	₹ 100
₹500.01 – 5,000	₹ 500
₹5,000.01 – 10,000	₹ 600
₹10,000.01 – 25,000	₹ 800
₹25,000.01 – 50,000	₹ 1,000
Above ₹50,000	₹ 1,200
Foreign currency mark-up	3.5% per transaction
Over limit charge	₹ 500
Cheque bounce charge	2% of Bounce amount subject to minimum of ₹500
Standing Instruction Failure/ Auto-debit return fee	2% of Bounce amount subject to minimum of ₹450
Railway booking surcharge	Applicable
Fuel surcharge	Applicable
Fee for cash payment at the Bank	₹ 100
Reissue/replacement card (per issue)	₹ 100
Outstation cheque processing fee	Waived
Machine surcharge at ATMs	Waived
Duplicate statement request	Waived
Web pay service fee	Waived
Please note: GST/applicable taxes will 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.

Kotak IndiGo 6E Rewards XL Credit Card