- Interest charges will be revised to 3.75% per month.
- The auto debit reversal or cheque return fee will be 2% of the payment amount, with a minimum fee of INR 500 and no maximum cap on the fee
- The fee for cash payments at branches will be revised to INR 175
- The current late payment fee structure continues to apply. An additional INR 100 charge will be levied if the 'Minimum Amount Due (MAD)' is not paid for two consecutive cycles and will apply until the MAD is cleared
- Dynamic Currency Conversion (DCC) markup will be revised to 1.5%
- Rent transactions will incur a 1% transaction fee with the cap of INR 1,500 removed
- INR 99 per redemption transaction on all redemptions
- INR 199 per redemption transaction for conversion/transfer of EDGE miles to other partner loyalty programs (e.g. Accor, Kris Flyer, United, Flying Returns, Club Vistara etc)
- A transaction fee of 1% will be applicable on education payments made via third-party apps. However, payments and transactions made directly through education institutional websites or their POS machines will not incur this fees
- Cumulative spends exceeding INR 10,000 on wallet loads, INR 50,000 on fuel, INR 25,000 on utilities, and INR 10,000 on online skill-based gaming platforms within a statement period will attract a 1% transaction fee
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