Smart Gold Credit Card Fees & Charges
Standard Joining Fee - Rs. 500 p.a.
Standard Annual/ Renewal Fee - Rs. 2,000 p.a.
Standard Add–on Card Fee - Rs. 750 p.a.
Finance Charges
(Retail Purchases & Cash) - upto 3.5% (42% p.a.)
Balance Transfer Finance Charges - 1.49% p.m. (17.88% p.a.)
Cash Advance Transaction Fee - 2.5%(Min. Rs.300) of the cash amount
Call–a–Draft Fee - 1.99% of the cash amount
Card Replacement (lost/stolen/re–issue) - Rs. 200
Card Replacement (any other plastic replacement) - Rs. 200
Emergency Card Replacement Fee - when overseas (through MasterCard) - $(US) 148
Duplicate Statement Fee - Rs. 100
Overdue Penalty/Late Payment Fee - 15% of Total Amt.Due (Min. Rs. 350,Max. Rs. 650*)
Over Limit Penalty - Rs. 600
Retrieval Fee/Copy Request Fee - Rs. 100
Outstation Cheque Fee - Rs. 100
Cheque Return / Dishonour Fee / Autodebit Reversal – Bank A/c out of Funds - Rs. 500
Cash Payment at Branch Rs. 75 per transaction #
Surcharge on purchase/cancellation of Railway Tickets - IRCTC Service Charge^ + Payment Gateway Transaction Charges [Upto 1.8% of (Ticket Amount + IRCTC Service Charge)]
^ Refer IRCTC website for details
Petrol Transaction Charge - 0% surcharge for petrol purchase up to Rs. 10,000 in a month.
2.5% surcharge for petrol purchase less than or equal to Rs. 100*
Foreign Currency Transaction - 3.5%*
Premier Club Program (Optional) - Rs. 75 per quarter
Smart Bill Pay (Optional) Rs.20 p.m.
