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Eligibility |
Accounts Can be Opened by All Those Who Are Eligible to Open Savings Bank Accounts |
Quarterly Average Balance (QAB) |
Rs. 50,000/- For All |
Non-Maintenance of QAB per Quarter |
Flat Rs. 300/ per Quarter |
Internet & Mobile Banking Facility |
Free |
Type of Debit Card |
VISA Gold/Rupay Platinum/VISA Signature/Rupay Select |
Debit Card Issuance Charges |
Free |
Debit Card Annual Maintenance Charge |
Free |
ATM Cash Withdrawal Limit |
Rs. 40,000/- in VISA Gold/Rs. 50,000/- in Rupay Platinum and Select/Rs. 1 Lac in VISA Signature |
ATM POS Limit |
Rs. 1.25 Lac in VISA Gold and Rupay Platinum/Rs. 3.5 Lac VISA Signature Rs. 5 Lac Rupay Select |
Ecom Limit |
Rs. 1.25 Lac in VISA Gold and Rupay Platinum/Rs. 3.5 Lac in VISA Signature/Rupay Select |
ATM Access at Own ATM |
Unlimited Free |
ATM Access at Other Bank ATM |
Unlimited Free |
Lounge Access: Domestic/International Airport |
Lounge Access is Subject to Card Network. As per the Present Scenario, Rupay (Platinum/Select) Provides 2 Lounge Access per Quarter While VISA (Platinum/Signature) Provides 1 Lounge Access per Quarter
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Free Personal Accident Insurance - With Account |
Rs. 5 Lakhs (Death + PPD & TPD) |
Free Personal Accident Insurance - With Debit Card
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Rs. 10 Lakhs by NPCI for RuPay Select Card |
As per the Terms & Conditions of NPCI, at Present Debit Card Will be Eligible for Rupay Insurance Program Only if it is Being Used in POS/Ecom Transaction Once in 30 Days
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Type of Credit Card |
Vissa Classic/Rupay Platinum/Rupay Select/VISA Gold |
Credit Card Limit Subject to Bureau Score, Income Norms and Other Eligibility Criteria
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Issuance Free Annual Maintenance Charges (AMC) - 50% Waiver |
NEFT |
Free Both Online & Offline |
RTGS Facility |
Free Both Online & Offline |
IMPS |
Free |
Demand Draft |
Free |
SWEEP OUT FACILITY (Flexi Facility) |
Available, if the Balance Exceeding Rs. 1,25,000/- Will Swept Out and Kept in TD
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Core Deposit/Threshold Deposit |
Rs. 1,25,000/- |
Sweep Out Amount |
Rs. 10,000/-
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Sweep Out Periodicity (From SB to FD Account) |
Upto 179 Days |
Concession in Processing Charges on Retail Loans |
Up to 50% Concession |
Personalized Free Cheque Books (per Annum)
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Free up to 100 Leaves a Year |
SMS Charges |
Free |
Concession on Locker Rent |
15% Waiver |
Locker Operations |
Free |
Processing Fee for Home Loan of Rs. 25 Lacs and Above |
100% concession |
Processing Fee for Home Loan Below Rs. 25 lacs |
50% Concession |
Rate of Interest on Home loan |
0.05% p.a. Concession in Applicable ROI |
Rate of Interest on Vehicle loan |
0.05% p.a. Concession in Applicable ROI |
Rate of Interest on Education Loan More than Rs. 7.5 lacs for Study Abroad/Premier Institution
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0.05% p.a. Concession in Applicable ROI |
Rate of Interest on Personal Loan |
0.10% p.a. Concession in Applicable ROI |
Instant Credit of Outstation Cheques |
Rs. 25,000/- |
Standing Instructions |
Free |
Utility Bill Payment, Online Tax Payment |
Free |
Stop Payment Instruction Charges |
Free |
Account Statement Through E-Mail/E-Statement (Monthly) |
Free |
Benefits with Repay Select Debit Card |
Gym |
Nil |
15 Days/1 Month Free Gym Membership. 40-50% Discounted Price on Extension of Membership |
Golf |
Nil |
1 Complimentary Golf Lesson/Round in a Year, Discounted Access from 2nd Visits Onwards |
SPA Services |
Nil |
1 Complimentary SPA Session in a Year, 40-50% Discount on Additional Sessions Throughout the Year |
Health Check Up |
Nil |
1 Complimentary Premium Health Check-up Package in a Year. Discounted Health Check-up Facility Post Utilization of Complimentary Offer |
Concierge Services |
Nil |
Personal Assistance Anytime Anywhere 24x7 is Available in Hindi and English Languages |
Exclusive Merchant Offers |
Nil |
Exclusive Offers From Selected Partner Merchants. |