Fees and charges of personal loan

Bajaj Finserv offers attractive interest rates on personal loans up to Rs. 40 lakh to help you meet a range of financial requirements. Get collateral-free loans with minimum documentation, flexible tenor and disbursal within 24 hours* of approval.

With Bajaj Finserv Personal Loan, you do not have to worry about any hidden fees or charges.

Here are more details on the personal loan interest rates and charges:

Types of fee

Applicable charges

Rate of interest

11% to 35% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Fee

Term Loan - Not applicable

Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below)

•Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000
•Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999
•Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999
•Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999
•Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999
•Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999
•Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999
•Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999
•Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above

*All the Flexi charges above are inclusive of applicable taxes

*Loan Amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.

Bounce charges

Rs. 700 - Rs. 1,200 per bounce.

Pre-payment charges
Full prepayment
 
Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment.
Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment.

Part-prepayment
Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment.

• Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid.
Penal interest Any delay in payment of monthly instalment/ EMI shall attract penal interest at the rate of 3.50% per month on the monthly instalment/ EMI outstanding from the date of default until the receipt of the monthly instalment/ EMI.

Stamp duty

Payable as per state laws and deducted upfront from loan amountMandate registration charge.

Mandate registration charges Rs. 1 /- (inclusive of applicable taxes) applicable in case of UPI mandate registration.
Mandate rejection charges

Rs. 450 from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges.

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.

Broken Period Interest/ Pre-EMI Interest

Broken period interest/ Pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:
•For Term Loan: Deducted from the loan disbursement
•For Flexi Term Loan: Added to the first instalment
•For Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

*Terms and conditions apply

For Micro Finance Loans, please note below:
Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest and average interest are 13%, 35%, and 34.7% respectively.
Part pre-payment and Foreclosure charges are NIL.

Fees and charges of business loan

Bajaj Finserv offers. the lowest rate of interest on business loan. Read more about our latest interest rate and fees and charges below.

Type of fee

Applicable charges

Rate of interest

9.75% - 30% per annum

Processing fees

Up to 3.54% of the loan amount (inclusive of applicable taxes)

Bounce charge

In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied.

Document processing charges

Up to Rs. 2,360/- (inclusive of applicable taxes)

Flexi Fee

Term Loan - Not applicable

Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes)

Flexi Variant (as applicable below) - A fee will be deducted upfront from the loan amount

  • Up to Rs. 5,999/- (inclusive of applicable taxes) for loan amount less than Rs. 10,00,000/-

  • Up to Rs. 7,999/- (inclusive of applicable taxes) for loan amount from Rs. 10,00,000/- to Rs. 14,99,999/-

  • Up to Rs. 12,999/- (inclusive of applicable taxes) for loan amount from Rs. 15,00,000/- to Rs. 24,99,999/-

  • Up to Rs. 15,999/- (inclusive of applicable taxes) for loan amount of Rs. 25,00,000/- and above

*Loan Amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.

Penal interest

Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment.

Pre-payment charges

Full Pre-payment

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

  • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi

Stamp duty

Payable as per state laws and deducted upfront from the loan amount.

Mandate rejection charges

Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered.

Broken Period Interest/ Pre-EMI Interest

Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:

  • For Term Loan: Deducted from the loan disbursement

  • For Flexi Term Loan: Added to the first instalment

  • For Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Annual maintenance charges

Term Loan – Not Applicable

Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges.

Flexi Hybrid Loan: Up to 1.18% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.

Switch Fees* Up to 1.18% of the loan amount (inclusive of applicable taxes)


*Switch Fee is applicable only in case of switch of loan. In switch cases, Processing Fees and Documentation Charges will not be applicable.

Fees and charges of secured business loan

Type of fee

Applicable charges

Rate of interest

9% to 22% p.a.

Processing fees

Up to 3.54% of the loan amount (inclusive of applicable taxes)

Document processing fees
Up to Rs. 2,360/- (inclusive of applicable taxes)

Bounce charges

Rs. 1,500 per bounce.

Penal interest

Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment.

Stamp duty

Payable as per state laws and deducted upfront from the loan amount

Flexi Fee

Term Loan - Not applicable
Flexi Variant - Not applicable

Mandate rejection charges

Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered

Mortgage Origination Fees Upto 6000/- (inclusive of applicable taxes) per property
Property Insight (if availed) Rs. 6,999/- (inclusive of applicable taxes)
Pre-payment Charges

Full Pre-payment
• Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

• Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment

• Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment

Part Pre-payment
• Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment.
• Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi

Foreclosure charges/pre-payment penalties are not applicable on any floating rate term loan sanctioned, for purposes other than business, to individual borrowers with or without co-applicant(s).

Annual Maintenance Charges

Term Loan: Not Applicable

Flexi Term Loan (Flexi Dropline): Not applicable

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Not applicable during subsequent loan tenure

Broken period interest/ Pre-EMI interest

Broken period interest/ Pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:
• For Term Loan: Deducted from the loan disbursement
• For Flexi Term Loan: Added to the first instalment
• For Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Fees and charges of Commercial Lending

Types of fees

Charges applicable

Rate of interest

Up to 15.00% p.a.

Processing fees

Up to 2.36% of the loan amount (Inclusive of applicable taxes)

Pre-payment charges
Up to 4.72% (Inclusive of applicable taxes) of the principal amount of the loan paid on the date of such pre-payment
Bounce charges
Rs. 3,000 per bounce
Penal interest
Any delay in payment of monthly instalment shall attract penal interest at the rate of 6% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment.
Stamp duty
Payable as per state laws and deducted upfront from the loan amount
Other charges (Invoice audit charges, legal charges and other incidental charges, TSR/ Valuation/ CERSAI charges)
On actuals (transaction specific)

Fees and charges of two-wheeler loan

Bajaj Finserv offers an annualised interest rate of up to 35% per annum

Fees & Charges Name

Amount (₹) / Percentage (%)

Processing Fee

Up to 12.95% of the loan amount (inclusive of applicable taxes)

Documentation & Hypothecation Charges

Up to Rs. 2,500/- (inclusive of applicable taxes) Collected upfront

Stamp Duty (as per respective state)

Payable as per state laws and collected upfront

Pre-payment Charges

Full/ Part Prepayment 

  • NIL Charges on the date of full/ part pre-payment if such payment made after 1st monthly installment
  • Full/ Part prepayment allowed Post clearance of 1st monthly installment

Bounce Charge

In case of default of repayment instrument Rs. 531/- will be levied

Penal Interest

Delay in payment of Monthly instalment shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment outstanding, from the respective due date until the date of receipt

Mandate Registration Charges

Rs. 118/- (inclusive of applicable taxes) if applicable

Applicable for the banks below -
Bank of Maharashtra, Development Credit Bank Ltd., IDFC Bank, Karnataka Bank Ltd., Punjab and Sind Bank, Rajkot Nagarik Sahakari Bank Ltd., Tamilnad Mercantile Bank Ltd., UCO Bank, Indian Overseas Bank, United Bank of India, Bank of India

Mandate Rejection Charge

Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered

Loan Enhancement Fee Rs. 117 (Inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with 01st instalment.
Legal, Repossession and Incidental Charges Rs. 3,540/- (inclusive of Applicable taxes)
Stockyard charges Rs. 59/- per day up to 60 days
Broken period interest / Pre EMI-Interest

"Broken Period Interest/Pre-EMI Interest" shall mean the amount of interest on Loan for the number of day(s) which is:

Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the Loan
Method of recovery of Broken Period Interest/ Pre-EMI Interest: Amount to be added in first instalment amount.

Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the Loan, Interest on first instalment will be charged for actual number of days

NOC KIT
NA

Fees and charges of gold loan

The below table lists the gold loan interest rate and charges applicable when you apply for a Bajaj Finserv Gold Loan

Types of fee

Applicable charges

Interest rate

9.50% p.a. to 28% p.a.

Processing fees

0.12% (Inclusive of applicable taxes) of Loan Amount, Subject to a Minimum of Rs. 99 (Inclusive of applicable taxes) and Maximum of Rs. 600 (Inclusive of applicable taxes)

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount

Cash handling charges

NIL

Penal interest

3% p.a. on outstanding balance

The penal interest margin/ rate will be over and above the interest rate slab. This shall be applicable/ chargeable in case of default in repayment of the outstanding dues.

Part-prepayment charges

NIL

Foreclosure charges

Minimum 7 days’ interest

Foreclosure charges are zero. However, if you close the loan within 7 days of booking, you have to pay minimum 7 days’ interest.

Auction charges

Charge for physical notice – Rs. 40 (Inclusive of applicable taxes) per notice

Recovery charges – Rs. 500 (Inclusive of applicable taxes)

Advertisement fee – Rs. 200 (Inclusive of applicable taxes)

*Minimum period for charging interest (Irrespective of date of repayment) (In days) 7 days

Fees and charges of loan against securities

The following charges are applicable on loan against securities:

Types of fees Charges applicable
Interest Rate Up to 20% p.a.
Processing Fees Up to 4.72% of the loan amount (Inclusive of applicable taxes) of the loan amount (Inclusive of applicable taxes)
Part Pre-payment Charges Up to 4.72% (Inclusive of applicable taxes) on the outstanding amount paid as on the date of part pre-payment
Annual Maintenance Charges Not applicable
Bounce charges Rs. 1,200 per bounce
Penal Interest Any delay in payment of monthly instalment shall attract penal interest at the rate of 3% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment.
Stamp Duty Payable as per state laws and deducted upfront from loan amount
Brokerage charges* As applicable
DP charges** As applicable
Foreclosure Charges Up to 4.72% (Inclusive of applicable taxes) on the outstanding amount paid as on the date of full pre-payment
Pledge confirmation charges* As applicable
Pledge innovation charges* As applicable
Demat share transfer charges (post invocation) 0.024% + flat Rs. 5.9/- (inclusive of applicable taxes)
or
Rs. 64.9/- whichever is higher

*Charges levied by Broker to BFL and the same is being passed on to the clients

**Charges levied by NSDL/ CDSL to BFL and the same is being passed on to the clients

Fees and charges of used car finance

The following charges are applicable on used car finance:

Type of fee

Applicable charges

Rate of interest

10.50% to 22% p.a.

Processing fees

Up to 2.95% of the loan amount (inclusive of applicable taxes)

Documentation charges

Up to Rs. 2,360 (inclusive of applicable taxes)

Flexi Fee

Term Loan – Not applicable

Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes)

Flexi variant (as applicable below) - a fee will be deducted upfront from the loan amount

Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/-

Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/-

Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/-

Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/-

Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above

*Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.

Pre-payment charges

Full pre-payment (Foreclosure)

Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

Flexi Hybrid Loan/Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

Part pre-payment

Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment.

Not applicable for Flexi variants.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan (Flexi Dropline):

Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges

Flexi Hybrid Loan:

Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure

Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure

Bounce charges Rs. 1,500 per bounce.

Penal interest

Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the date of default until the receipt of the monthly instalment/ EMI.

Stamp duty Payable as per state laws and deducted upfront from the loan amount.
Legal, repossession and incidental Charges Actual legal and incidental charges under applicable laws
Auction charges At actuals
Mandate registration charges Re. 1 (inclusive of applicable taxes) applicable in case of UPI mandate registration.

Mandate rejection charges

Rs. 450 per month from the first month of the due date for the mandate rejected by the customer’s bank until the new mandate is registered.

Loan re-booking charges Rs. 1,000 (inclusive of applicable taxes).
Loan cancellation charges Rs. 2,360 (inclusive of applicable taxes) (Interest till cancellation to be borne by the customer).

NDC for interstate transfer

Rs. 1,180 (inclusive of applicable taxes).

NDC to convert from Private to Commercial

Rs. 3,540 (inclusive of applicable taxes).

Duplicate NDC

Rs. 500 (inclusive of applicable taxes).

Broken period interest/ pre-EMI interest

Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:

  • For Term Loan: Added to the first instalment
  • For Flexi Term Loan: Added to the first instalment
  • For Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Fees and charges of new car finance

Type of fee Applicable charges
Rate of interest 7.50% to 14% p.a.
Processing fees Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges Up to Rs. 2,360/- (inclusive of applicable taxes)
Flexi Fee

Term Loan – Not applicable

Flexi loan variant (as applicable below) - will be deducted upfront from the loan amount

· Up to Rs. 999/- (inclusive of applicable taxes) for loan amount up to ₹ 9,99,999/-

· Up to Rs. 1,499/- (Inclusive of applicable taxes) for loan amount of Rs. 10,00,000/- and above

Prepayment charges

Full prepayment (Foreclosure)

· Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full pre-payment

· Flexi Hybrid Loan/Flexi Term Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full pre-payment.

Part-prepayment

· Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment.

· Not applicable for Flexi loan variants

Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan:

· Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges

Flexi Hybrid Loan:

· Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure

· Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure

Bounce charges In case of default of repayment instrument, Rs. 1500/- per bounce will be levied.
Penal interest Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the date of default until the receipt of the monthly instalment.
Stamp duty (as per respective state) Payable as per state laws and deducted upfront from the loan amount.
Legal, and incidental Charges Actual legal and incidental charges under applicable laws
Repossession charges Repossession charges at actuals with a maximum capping of Rs. 50000 (inclusive of applicable taxes)
Auction charges At actuals
Valuation charges At actuals
Stockyard charges Rs. 118/- per day for 60 days (inclusive of applicable taxes)
Mandate rejection charges Rs. 450/- per month from the first month of the due date for the mandate rejected by the customer’s bank until the new mandate is registered.
NOC for interstate transfer Rs. 1,180/- (inclusive of applicable taxes)
NOC to convert from Private to Commercial Rs. 3,540/- (inclusive of applicable taxes)
Duplicate NOC Rs. 500/- (inclusive of applicable taxes)
Other NOC Rs. 1,180/- (inclusive of applicable taxes)
Broken period interest/pre-EMI interest

Broken period interest/pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:

· For Term Loan, Flexi Term Loan, and Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Fees and charges of loan for doctors

Get a Bajaj Finserv Doctor Loan of up to Rs. 55 lakh and repay it easily over flexible tenures of up to 8 years.

Type of fee

Applicable charges

Rate of interest

11% - 18% per annum

Processing fees Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges
Up to Rs. 2,360/- (inclusive of applicable taxes)







Flexi fee

Term Loan – Not applicable

Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes)

Flexi Variant (as applicable below) - a fee will be deducted upfront from the loan amount

  • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/-
  • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/-
  • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/-
  • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/-
  • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above


*Loan Amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.

Pre-payment charges

Full Pre-payment

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of full pre-payment
  • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment.
  • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment.


Part Pre-payment

  • Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment.
  • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan
Annual maintenance charges

Term Loan: Not Applicable

Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges

Flexi Hybrid Loan:

  • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure
  • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure
Bounce charges In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied.
Penal interest Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment.
Stamp duty Payable as per state laws and deducted upfront from the loan amount
Mandate rejection charges Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken period interest/ pre-EMI interest

Broken period interest/pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:

  • For Term Loan: Deducted from the loan disbursement
  • For Flexi Term Loan: Added to the first instalment
  • For Flexi Hybrid Loan: Added to the first instalment


Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Switch fee*
Up to 1.18% of the loan amount (inclusive of applicable taxes)


*Switch fee is applicable only in case of conversion of loan. In conversion cases, Processing Fees and Documentation Charges will not be applicable.

Fees and charges of chartered accountant loan

Also Get a Bajaj Finserv CA Loan of up to Rs. 55 lakh with minimal documentation and flexible tenure to meet your financial requirements.

Type of fee

Applicable charges

Rate of interest

11% - 18% per annum

Processing fees Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges
Up to Rs. 2,360/- (inclusive of applicable taxes)







Flexi fee

Term Loan – Not applicable

Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes)

Flexi Variant (as applicable below) - a fee will be deducted upfront from the loan amount

  • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/-
  • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/-
  • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/-
  • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/-
  • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above


*Loan Amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.

Pre-payment charges

Full Pre-payment

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of full pre-payment
  • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment.
  • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment.


Part Pre-payment

  • Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment.
  • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan
Annual maintenance charges

Term Loan: Not Applicable

Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges

Flexi Hybrid Loan:

  • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure
  • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure
Bounce charges In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied.
Penal interest Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment.
Stamp duty Payable as per state laws and deducted upfront from the loan amount
Mandate rejection charges Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken period interest/ pre-EMI interest

Broken period interest/pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:

  • For Term Loan: Deducted from the loan disbursement
  • For Flexi Term Loan: Added to the first instalment
  • For Flexi Hybrid Loan: Added to the first instalment


Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Switch fee*
Switch Fees is applicable only in case of switch of loan. In switch cases, Processing Fees and Documentation Charges will not be applicable


*Switch fee is applicable only in case of conversion of loan. In conversion cases, Processing Fees and Documentation Charges will not be applicable.

Fees and charges of Bajaj Finserv RBL bank Platinum Choice SuperCard

The following are the charges applicable on the Platinum Choice SuperCard:

Type of fee

Charges applicable

Joining fee

Rs. 499 + GST

Annual fee

Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000)

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/ cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Card replacement (Lost/ stolen/ reissue/ any other replacement)

NIL

Duplicate statement fee

NIL

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Merchant EMI processing fee

Rs. 199 + GST

Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.

*Late Payment Charges

Late payment fee

12.5% of the outstanding Amount

Minimum Rs. 5

Maximum Rs. 1,300

 

Fees and charges of Bajaj Finserv RBL bank Platinum Choice SuperCard – First-Year-Free

The following are the charges applicable on the Platinum Choice SuperCard – First-Year-Free:

Type of fee

Charges applicable

Joining fee

NIL

Annual fee

Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000)

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/ cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Card replacement (Lost/ stolen/ reissue/ any other replacement)

NIL

Duplicate statement fee

NIL

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Merchant EMI processing fee

Rs. 199 + GST

Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.

*Late payment charges

Late payment fee

12.5% of the outstanding Amount

Minimum Rs. 5

Maximum Rs. 1,300

 

Fees and charges of Bajaj Finserv RBL bank Platinum Plus SuperCard

The following are the charges applicable on the Platinum Plus SuperCard:

Type of fee

Charges applicable

Joining fee

Rs. 999 + GST

Annual fee

Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000 Effective from 1st April 2023)

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/ cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Card replacement (Lost/ stolen/ reissue/ any other replacement)

NIL

Duplicate statement fee

NIL

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Merchant EMI processing fee

Rs. 199 + GST

Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.

*Late payment charges

Late payment fee

12.5% of the outstanding Amount

Minimum Rs. 5

Maximum Rs. 1,300

 

Fees and charges of Bajaj Finserv RBL bank Platinum Plus SuperCard – First-Year-Free

The following are the charges applicable on the Platinum Plus SuperCard – First-Year-Free:

Type of fee

Charges applicable

Joining fee

NIL

Annual fee

Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000 Effective from 1st April 2023)

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/ cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Card replacement (Lost/ stolen/ reissue/ any other replacement)

NIL

Duplicate statement fee

NIL

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Merchant EMI processing fee

Rs. 199 + GST

Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.

*Late payment charges

Late payment fee

12.5% of the outstanding Amount

Minimum Rs. 5

Maximum Rs. 1,300

 

Fees and charges of Bajaj Finserv RBL bank World Prime SuperCard

The following are the charges applicable on the World Prime SuperCard:

Type of fee

Charges applicable

Joining fee

Rs. 2,999 + GST

Annual fee

Rs. 2,999 + GST

Renewal fee

Rs. 2,999 + GST

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/ cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Card replacement (Lost/ stolen/ reissue/ any other replacement)

NIL

Duplicate statement fee

NIL

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Merchant EMI processing fee

Rs. 199 + GST

Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.

*Late payment charges

Late payment fee

12.5% of the outstanding Amount

Minimum Rs. 5

Maximum Rs. 1,300

 

Fees and charges of Bajaj Finserv RBL bank World Plus SuperCard

The following are the charges applicable on the World Plus SuperCard:

Type of fee

Charges applicable

Joining fee

Rs. 4,999 + GST

Annual fee

Rs. 4,999 + GST

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/ cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Card replacement (Lost/ stolen/ reissue/ any other replacement)

NIL

Duplicate statement fee

NIL

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Merchant EMI processing fee

Rs. 199 + GST

Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.

*Late payment charges

Late payment fee

12.5% of the outstanding Amount

Minimum Rs. 5

Maximum Rs. 1,300

 

Fees and charges of Bajaj Finserv RBL bank Doctor’s SuperCard

The following are the charges applicable on the Doctor’s SuperCard:

Type of fee

Charges applicable

Joining fee

Rs. 999 + GST

Annual fee

Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000)

Add-on card fees

NIL

Foreign currency transaction**

3.50% + GST

Cash payment at branches

Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022

Surcharge on purchase/cancellation of railway tickets

IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]

Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^

1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher

Reward redemption fees

A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.

T&C apply

Cash advance transaction fee

2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20

Overdue interest on extended credit

Up to 3.99% + GST per month or 47.88% + GST per annum

Overdue penalty/late payment

15% of the total amount due (minimum Rs. 50, maximum Rs. 1,500)
Effective from 1st July 2022, revised late payment charges are applicable*

Over-limit penalty

Rs. 600 + GST

Finance charges (retail purchases and cash)

APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)

Call-a-draft fee

2.50% + GST (minimum Rs. 300 + GST) of the draft amount

Card replacement (Lost/stolen/reissue/any other replacement)

NIL

Duplicate statement fee

NIL

Charge slip retrieval/copy fee

Rs. 100 + GST

Outstation cheque fee

Rs. 100 + GST

Cheque return/ dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Personal indemnity insurance* + annual fee

Rs. 4,999 + GST

Merchant EMI transaction

Rs. 199 + GST

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.

*Personal indemnity insurance cover is provided free of cost for the first year to all customers. Charges will be levied only post customer consent in the second year if Rs. 3.5 lakh spends criteria is not met in the first year.

*Late payment charges

Outstanding amount (Rs.)

Late payment fee (Rs.)

Less than 100

0

100 - 499

100

500 - 4,999

500

5,000 - 9,999

750

10,000 - 24,999

900

25,000 - 49,999

1,000

50,000 and above

1,300

 

Fees and Charges of Bajaj Finserv RBL Bank Binge First Year Free Supercard

Types of fees Charges applicable
Joining fee NIL
Annual fee Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000)
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

Fees and Charges of Bajaj Finserv RBL Bank Binge SuperCard

Types of fees Charges applicable
Joining fee NIL
Annual fee Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000)
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

Fees and Charges of Bajaj Finserv RBL Bank Platinum ShopDaily Supercard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 499 + GST
Annual fee Rs. 499 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

Fees and Charges of Bajaj Finserv RBL Bank Platinum Edge SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 1,999 + GST
Annual fee Rs. 1,999 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

Fees and Charges of Bajaj Finserv RBL Bank Travel Easy SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 999 + GST
Annual fee Rs. 999 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.

Fees and Charges of Bajaj Finserv RBL Bank Shop Smart SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 499 + GST
Annual fee Rs. 499 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.

Fees and charges of loan against property

Type of fee

Applicable charges

Rate of interest (p.a.)

Salaried

Self-employed

Doctors

9% to 14% (Floating rate of Interest)

9% to 14% (Floating rate of Interest)

9% to 14% (Floating rate of Interest)

Processing fees

Up to 3.54% of the loan amount (inclusive of applicable taxes)

Document Processing Charges

Up to Rs. 2,360/- (inclusive of applicable taxes)

Flexi Fee Term Loan - Not applicable
Flexi Variant - Not applicable

Pre-payment Charges

  • Full Pre-payment
    Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment.
    Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
    Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.

  • Part Pre-payment
    Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part Pre-Payment.
    Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi

    Foreclosure charges/ pre-payment penalties are not applicable on any floating rate term loan sanctioned, for purposes other than business, to individual borrowers with or without co-applicant(s).

Annual Maintenance Charges

Term Loan: Not Applicable

Flexi Term Loan (Flexi Dropline): Not applicable

Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the Total Withdrawable Amount during Initial Loan Tenure. Not applicable for subsequent Loan Tenure.

Bounce Charges

Rs. 1500 per bounce

Penal Interest

Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment.

Stamp Duty Payable as per state laws and deducted upfront from the loan amount
Mandate Rejection Charges Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Broken Period Interest/ Pre-EMI Interest

"Broken Period Interest/ Pre-EMI Interest" shall mean the amount of interest on loan for the number of day(s) which is(are):

Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan

Method of recovery of Broken Period Interest/ Pre-EMI Interest:
For Term Loan: Deduct from disbursement
For Flexi Term Loan: Added to first instalment amount
For Hybrid Flexi Loan: Added to first instalment amount

Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days

Mortgage Origination Fees Rs. 3000/-
Property Insight (if availed)
Rs. 6999/- (inclusive of applicable taxes)

Fees and charges of Insta EMI Card

FEES AND CHARGES
The following charges are applicable on Insta EMI Card
Type of fee Applicable charges
EMI Network Card Fee Rs. 530/- (inclusive of applicable taxes)
Online Convenience Fee Rs. 69/- (inclusive of applicable taxes) applicable to Customers who avail Insta EMI Card exclusively through digital mode
EMI Network Card Loan Limit Enhancement Fee Rs. 117/- (inclusive of applicable taxes)
Annual Fee Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year.
The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card.
For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020.
Add-on EMI Network Card Fee Rs. 199/- (inclusive of applicable taxes)
Fees & Charges applicable for availing loan limit through EMI Network Card
Type of fee Applicable charges
Processing Fee Up to Rs. 5000/- (inclusive of applicable taxes) collected upfront
Bounce Charges Rs. 500/- per bounce
Penal Interest Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI.
Mandate Rejection Charges Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Mandate Registration Charges Rs. 118/- (inclusive of applicable taxes) if applicable
Loan Enhancement Fees Rs. 117/- (Inclusive of applicable taxes) will be added in the 01st EMI
Convenience Fee Rs. 117/- (Inclusive of applicable taxes) will be collected along with 01st instalment

Fees and charges of Bajaj Pay Wallet

The following charges are applicable on Bajaj Pay Wallet:

Bajaj Pay Wallet – Fees and Charges

Service

Charges (Rs.)

Account opening

Rs. 0

Load money

Charges (Rs.)

Through credit card

Up to 5% per transaction (inclusive of applicable taxes)

Through debit card

Up to 2% per transaction (inclusive of applicable taxes)

Through UPI

Up to 2% per transaction (inclusive of applicable taxes)

Through Net Banking

Up to 2% per transaction (inclusive of applicable taxes)

*Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time

Payment

Charges (Rs.)

Payment at merchant

Rs. 0

Payment to utility bill/ recharges/ DTH

Up to 2% per transaction (Inclusive of applicable taxes)

*Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time

Transfer

Charges (Rs.)

Bajaj Pay Wallet to wallet

Rs. 0

Bajaj Pay Wallet (full KYC only) to bank

Up to 5% per transaction (inclusive of applicable taxes)

*For failed transactions, total amount including charges except taxes are reversed.

*Additional cess will be applicable on all charges in accordance with the state specific laws.

Fees and Charges of Bajaj Finserv RBL bank Value Plus SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 499 + GST
Annual fee Rs. 499 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to the IRCTC website for details.
** Transactions at merchant establishments that are registered overseas, even if the merchant is in India, attract a cross-border charge.

Fees and Charges of Bajaj Finserv RBL bank Platinum ShopGain SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 1,499 + GST
Annual fee Rs. 1,499 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.

Fees and Charges of Bajaj Finserv RBL bank Platinum LifeEasy SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

Types of fees Charges applicable
Joining fee Rs. 1999 + GST
Annual fee Rs. 1999 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.

Fees and charges of medical equipment finance

Type of fee Applicable charges
Rate of interest Up to 14% p.a.
Processing fees Up to 2.95% of the loan amount (inclusive of applicable taxes).
Stamp duty Payable as per state laws and deducted upfront from loan amount
Bounce charges Rs. 1,500 per bounce.
Penal interest Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment/ EMI outstanding, from the date of default until the receipt of monthly instalment.
Mandate rejection charges Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Flexi Fees Term loan and Flexi variant - Not applicable
Part-payment charges Full Pre-payment
Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment
Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment.
Flexi Hybrid Loan: Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment.

Part Pre-payment
•Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.
•Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi
Annual Maintenance Charges Not Applicable
Broken period interest/ Pre-EMI interest

"Broken Period Interest/Pre-EMI Interest" shall mean the amount of interest on loan for the number of day(s) which is(are):

Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan

Method of recovery of Broken Period Interest/Pre-EMI Interest:
For Term Loan: Deduct from disbursement
For Flexi Term Loan: Added to first instalment amount
For Hybrid Flexi Loan: Added to first instalment amount

Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days

Legal, Repossession and Incidental Charges Actual legal and incidental charges under applicable laws.
Commitment fees (non-refundable) Up to Rs. 12,999 (inclusive of applicable taxes)
Hypothecation As per state laws

Fees and Charges of Bajaj Finserv RBL bank Platinum Advantage SuperCard

To know about the fees and charges applicable on this credit card, refer the table below

 

Types of fees Charges applicable
Joining fee Rs. 499 + GST
Annual fee Rs. 499 + GST
Add-on card fees NIL
Foreign currency transaction** 3.50% + GST
Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher
Fuel surcharge will depend on the merchant
end & it may vary from 1% to 2.5%
Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019.
T&C apply
Cash advance transaction fee 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20
Overdue interest on extended credit Up to 3.99% + GST per month or 47.88% + GST per annum
Over-limit penalty Rs. 600 + GST
Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/stolen/reissue/any other replacement) NIL
Duplicate statement fee NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST
Merchant EMI processing fee Rs. 199 + GST
Fee on Rental Transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023)
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5 Maximum Rs. 1,300

*Terms and conditions apply

The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.

Fees and charges of EMI Network Card

To know more about terms & conditions for availing loan through EMI Card, click here

FEES AND CHARGES
The following charges are applicable on Insta EMI Card
EMI NETWORK CARD
Type of fee Applicable charges
EMI Network Card Fee Rs. 530/- (inclusive of applicable taxes)
Online Convenience Fee Rs. 69/- (inclusive of applicable taxes) applicable to Customers who avail Insta EMI Card exclusively through digital mode
EMI Network Card Loan Limit Enhancement Fee Rs. 117/- (inclusive of applicable taxes)
Annual Fee Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year.

The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card.

For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020.
Add-on EMI Network Card Fee Rs. 1,99/- (inclusive of applicable taxes)
Fees & Charges applicable for availing loan limit through EMI Network Card
Type of fee Applicable charges
Processing Fee Up to Rs. 1,017/- (inclusive of applicable taxes) collected upfront
Bounce Charges Rs. 500/- per bounce
Penal Interest Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI.
Mandate Rejection Charges Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Mandate Registration Charges Rs. 118/- (inclusive of applicable taxes) if applicable
Loan Enhancement Fees Rs. 117/- (inclusive of applicable taxes)
Convenience Fee Rs. 117/- (inclusive of applicable taxes)

Add-on card fee
An EMI Network Card is offered to the family members of the existing primary EMI Network Card holder. The limit will be shared with the primary EMI Network Card holder.

Annual fee
Annual/ renewal fee will only be charged to the EMI Network Card holders. who have not availed any loan using the EMI Network Card in the preceding year. The preceding year will be 12 months calculated from last year’s validity month, which is printed on the face of your EMI Network Card. For example, if you were issued the EMI Network Card on August 2014 (referred to as ‘Valid From’) and no transaction between August 2015 and August 2016; the payment of fee will be in September 2016.

Convenience fee
Convenience fee is charged for the ease of conversion of purchases in to easy EMIs at the point of sale through his EMI Network Card. These are not surcharge.

ECS return fee
A penalty is levied if your EMI payment fails due to insufficient funds or other bank rejection reasons.

Joining fee
Joining fee also known as participation or membership fee. This fee is charged once only.

Penal interest
These are charges for your delinquency in paying due amount on time is known as Penal interest.

Fees and charges of Health EMI Network Card

The following charges are applicable on Health EMI Network Card:

Types of fees

Charges applicable

Health EMI Network Card fee - Gold

Rs. 707/- (inclusive of applicable taxes)

Health EMI Network Card fee - Platinum

Rs. 999/- (inclusive of applicable taxes)

FEES & CHARGES APPLICABLE FOR LOAN AVAILED THROUGH HEALTH EMI NETWORK CARD

Processing Fee

Up to Rs. 1017/- (Inclusive of applicable taxes) collected upfront

Bounce Charges

Rs. 500/- per bounce

Penal Interest

Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.

Mandate Rejection Charges

Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered

Mandate Registration Charges

Rs. 118/- (inclusive of applicable taxes) if applicable

Applicable for the banks below -
Bank of Maharashtra, Development Credit Bank Ltd., IDFC Bank, Karnataka Bank Ltd., Punjab and Sind Bank, Rajkot Nagarik Sahakari Bank Ltd., Tamilnad Mercantile Bank Ltd., UCO Bank, Indian Overseas Bank, United Bank of India, Bank of India

Loan Enhancement Fees

Rs. 117/- (Inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment

Convenience Fee Rs. 117/- (Inclusive of applicable taxes) will be collected along with the first instalment
Full Pre-payment (Foreclosure) Charges Nil, anytime post disbursal of loan
Part Pre-payment Charges Nil, anytime post disbursal of loan

Fees and charges of EMI Network

Processing fees varies from products, schemes and dealers purchased on the EMI Network categories.

Type of fees Amount (Rs.)/ Percentage (%) and Description
Processing fees Up to Rs. 5,000/- (inclusive of applicable taxes).
Bounce charge In case of default of repayment instrument, Rs. 500/- per bounce will be levied.
Penal interest Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment.
Mandate registration charge

Rs. 118/- (inclusive of applicable taxes) if applicable.

Applicable for the banks below -

Bank of Maharashtra, Development Credit Bank Ltd., IDFC Bank, Karnataka Bank Ltd., Punjab and Sind Bank, Rajkot Nagarik Sahakari Bank Ltd., Tamilnad Mercantile Bank Ltd., UCO Bank, Indian Overseas Bank, United Bank of India, Bank of India

Mandate rejection charge Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered.
Loan enhancement fee Rs. 117/- (inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with 01st instalment.
Convenience fee Rs. 117/- (inclusive of applicable taxes) will be collected along with 01st instalment
Cash repayment charges Rs. 499/- (inclusive of applicable taxes plus cess) Applicable when mode of repayment of monthly instalment dues is Cash
Transaction fee**

Rs. 147/- (inclusive of applicable taxes) will be collected along with 01st instalment.

**"Transaction fees" refers to sum payable by customer (i) who does not hold valid EMI card; (ii) to whom the loan is facilitated; and (iii) at the time of making payment of first EMI/upfront payment as part of loan transaction

Full prepayment
NIL
Part-prepayment
NIL

Fees and Charges of Bajaj Finserv DBS Bank 5X Rewards SuperCard

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee Rs. 499 + GST
Renewal fee Rs. 499 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee Rs. 999 + GST
Renewal fee Rs. 999 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 5X Rewards First-Year-Free

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee NIL
Renewal fee Rs. 499 + GST
Reward redemption fee Rs. 99 + GST (per redemption)
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 5X Plus Rewards First-Year-Free

FEES AND CHARGES
Type of fee Fees (Rs.)
Joining fee Nil
Renewal fee Rs. 999 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 7X Rewards SuperCard

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee Rs. 1,499 + GST
Renewal fee Rs. 1,499 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee Rs. 1,999 + GST
Renewal fee Rs. 1,999 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 10X Signature SuperCard

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee Rs. 2,999 + GST
Renewal fee Rs. 2,999 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249

Fees and Charges of Bajaj Finserv DBS Bank 10X Plus Signature SuperCard

FEES AND CHARGES
Type of fee Fees (in Rs.)
Joining fee Rs. 4,999 + GST
Renewal fee Rs. 4,999 + GST
Reward redemption fee Rs. 99 + GST per redemption
Cash advance fee 2.5% of the cash amount (minimum Rs. 500)
Late payment fee • No charge for the amount due up to Rs. 100
• Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500
• Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000
• 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee Rs. 600 + GST
Finance charges Up to 4% per month or 48% per annum
EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249