What are the charges for using my card?

You will be charged a one-time fee of Rs. 50 (limited time offer of Rs.30) at the time of card activation which will be added onto your current bill.

“Billing Cycle” extends from 16^th of a month to 15^th of the following month. At the end of the Billing Cycle, all these transactions during the Billing Cycle will sum to the “Billed Amount”. A bill is generated on the total Billed Amount. You will then have an option till the following 25^th to choose the method of repayment,

1. Convert the Billed Amount into affordable monthly payment plan

   • If you choose this option, the credit charges would be communicated to you at the time of this conversion.

2. Pay the complete Billed Amount

   • If you choose this option, you will be charged for each transaction as per the below table,

If you do not make this selection by 25^th, then the Billed Amount is automatically converted (which can not be changed later on) into a monthly payment plan with a tenure. This auto-selection tenure will be communicated to you by email and SMS in advance. The first repayment will be due on the following 5^th. Below is an example for better illustration,

Billing Cycle: January 16^th to February 15^th

Transactions on Card: As per below,

Bill Generation Date: February 16^th

Billed Amount: Rs. 5000 (Sum of all transactions during the Billing Cycle)

Time period to choose to the method of repayment: 16^th February to 25^th February

If you convert to a monthly payment plan: You will be able to choose a payment plan of your choice (as per y our eligibility plans for 2, 3, 6, 9, 12, 15 and 18 months will be shown) and your monthly payment amount will be shown to you at the time of this selection. Your first repayment will be due on 5^th March.

If you pay the complete Billed Amount: You will have to repay Rs.5120 (Rs.5000+Rs.120). Rs.120 is the credit charge (there are no interest charges if you choose this option)

First Repayment Date: 5^th March

You can view the detailed terms here.