Bajaj Finserv Fees and Charges

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.

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.

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.

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)

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

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

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

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.

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.

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.

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.

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. 1^st June2019. 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

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. 1^st June2019. 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.

*Late payment charges

Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5	Maximum Rs. 1,300

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. 1^st June2019. 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.

*Late payment charges

Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5	Maximum Rs. 1,300

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. 1^st June2019. 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.

*Late payment charges

Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5	Maximum Rs. 1,300

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. 1^st June2019. 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.

*Late payment charges

Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5	Maximum Rs. 1,300

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. 1^st June2019. 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.

*Late payment charges

Late payment fee
12.5% of the outstanding Amount
Minimum Rs. 5	Maximum Rs. 1,300

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. 1^st June2019. 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.

*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

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

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

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

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

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.

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

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
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

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.

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.

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

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

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

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

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.

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

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
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
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
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
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
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
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
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
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

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