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PUNJAB AND MAHARASHTRA CO-OP BANK LTD
RUPAY CREDIT CARD
SCHEDULE OF CHARGES/FEES w.e.f. 13th July 2019

UNSECURED CREDIT CARD

  PLATINUM SELECT
Joining Fee NIL NIL
Annual Fee 1st Year: FREE
2nd Year: FREE
4th Year Onwards : Rs. 500/-
(waived on annual spend
= >  Rs. 1,00,000
during previous year)
1st Year: FREE
2nd Year: FREE
4th Year Onwards : Rs. 750/-
(waived on annual spend
= >  Rs. 2,00,000
during previous year)
Add-on Card Joining Fee Nil Nil
Add-on Card Annual Fee Nil Nil
  EXTENDED CREDIT
Credit Limit As per eligibility
Interest Free Period  up to 50 days, if previous month's outstanding balance is paid in full
Billing Cycle 12th of every month
Finance Charges (Retail Purchases) 1% p.m. (APR 12% p.a.) from the transaction date 1.5% p.m. (APR 18% p.a.) from the transaction date
Minimum Repayment Amount 5% of Total Outstanding (Min Rs. 200) + all applicable taxes
 + EMI (in case of EMI based products) + Overlimit amount (if any)
  CASH ADVANCE
Cash Limit 40% of Credit Limit
Free Credit Period NIL
Finance Charges 1.00% per month(APR 12% p.a.) from the date of withdrawal
Cash Advance Fees 1% of transaction amount (subject to a minimum fees of Rs. 100)
  OTHER CHARGES AND FEES
Late Payment Fees 2% of Outstanding Dues
(subject to Minimum Rs. 100, Maximum Rs. 500)
Cheque Return Charges Rs. 500.00
Auto Debit Return Fee 2% of Auto Debit Amount
(subject to Minimum Rs. 250)
Card De-hotlisting Fee Rs. 250.00
Card Blacklisting Fee Rs. 250.00
Card De-blacklisting Fee Rs. 250.00
Card Re-issuance Fee Rs. 250.00
Card Up-gradation Fee Rs. 250.00
Card Replacement Fees Rs. 200.00
Statement Retrieval Fees (> 3 months) Rs. 100 per statement
Purchase Slip Retrieval Request Fee Rs. 125/-
Foreign Currency Transaction Fee 3.50% of the transaction value
Goods and Service Tax will be applicable on all fees, charges and interest
Charges Structure is subject to change from time to time at sole discretion of PMC Bank.

SECURED CREDIT CARD (AGNST FD)

  PLATINUM SELECT
Joining Fee NIL NIL
Annual Fee 1st Year: FREE
2nd Year: FREE
4th Year Onwards : Rs. 500/-
(waived on annual spend
= >  Rs. 1,00,000
during previous year)
1st Year: FREE
2nd Year: FREE
4th Year Onwards : Rs. 750/-
(waived on annual spend
= >  Rs. 2,00,000
during previous year)
Add-on Card Joining Fee Nil Nil
Add-on Card Annual Fee Nil Nil
  EXTENDED CREDIT
Credit Limit 85% of Fixed Deposit Principle Value
Interest Free Period up to 45 days, if previous month's outstanding balance is paid in full
Billing Cycle 17th of every month
Finance Charges (Retail Purchases) 1.00% per month(APR 12% p.a.) from the transaction date
Minimum Repayment Amount 5% of Total Outstanding (Min Rs. 200) + all applicable taxes
 + EMI (in case of EMI based products) + Overlimit amount (if any)
  CASH ADVANCE
Cash Limit 100% of Credit Limit
Free Credit Period NIL
Finance Charges 1.00% per month(APR 12% p.a.) from the date of withdrawal
Cash Advance Fees 1% of transaction amount (subject to a minimum fees of Rs. 100)
  OTHER CHARGES AND FEES
Late Payment Fees 2% of Outstanding Dues
(subject to Minimum Rs. 100, Maximum Rs. 500)
Cheque Return Charges Rs. 500.00
Auto Debit Return Fee 2% of Auto Debit Amount
(subject to Minimum Rs. 250)
Card De-hotlisting Fee Rs. 250.00
Card Blacklisting Fee Rs. 250.00
Card De-blacklisting Fee Rs. 250.00
Card Re-issuance Fee Rs. 250.00
Card Up-gradation Fee Rs. 250.00
Card Replacement Fees Rs. 200.00
Statement Retrieval Fees (> 3 months) Rs. 100 per statement
Purchase Slip Retrieval Request Fee Rs. 125/-
Foreign Currency Transaction Fee 3.50% of the transaction value
Goods and Service Tax will be applicable on all fees, charges and interest
Charges Structure is subject to change from time to time at sole discretion of PMC Bank.
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