LIC CSL IDBI Eclat Select Credit Card

Joining fee

NIL

Annual fee

NIL

Renewal Fee

NIL

Interest on revolving credit

3.4% per month

Cash advance fee

2.5% of transaction fee or Rs.500 whichever is higher

Interest on cash advance

1. Rs. 500 - NIL
2. Rs. 500 to Rs.5,000 - Rs.400
3. Rs.5,000 to Rs.10,000 - Rs.500
4. Rs.10,000 to Rs.20,000 - Rs.750
5. Rs.20,000 & Above - Rs.950

Over limit charges

2.5% of over limit amount (subject to minimum of Rs.500)

Cheque/auto debit return fee

Rs.500

Cash deposit charges at IDBI Bank branches

Rs.200

Duplicate statement request

Rs.100 (over 3 months old)

Card replacement fee

Rs.200

Foreign currency transaction fee

Foreign currency transactions

Reward points redemption fee

Rs.99

Balance transfer charges

1.5% of the amount or Rs.199, whichever is higher

Card closure charge

Rs.999 (if closed within one year of the card being issued)