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My Wings Credit Card_ Schedule Of Charges

SCHEDULE OF CHARGES

Charges Joining Fee Annual Fee Add-on Card Joining Fee Add-on Card Annual Fee Card Replacement (lost or stolen or re-issue) Cash Payment Fee Duplicate Statement Fee Charge Slip Retrieval Fee or Copy Request Fee Outstation Cheque Fee Mobile Alerts for Transactions Hotlisting Charges Balance Enquiry Charges Finance Charges (Retail Purchases and Cash) Cash Withdrawal Fees Overdue Penalty or Late Payment Fee

MY Wings Credit Card `1,200 1st Year: Nil 2nd Year onwards: `500 Nil Nil Waived `50 Waived Waived Waived Free Nil Waived 2.95% per month (46.78% per annum) 2.5% (Min. ` 250) of the Cash Amount `300 if Total Payment Due is up to `2,000; `400 if Total Payment Due is between `2,001 - `5,000; `600 if Total Payment Due is `5,001 or more

Over Limit Penalty Cheque return or dishonour Fee or Autodebit Reversal Surcharge on purchase or cancellation of Railway Tickets Fuel Transaction Surcharge Transaction Foreign Currency Transaction Fee Reward Point Redemption Fee Service Tax

3% of the over limit amount (Min. `500) `300 As prescribed by IRCTC/Indian Railways 2.5% (Waived for fuel between `400 and `4,000) 3.50% of the transaction value `30 12.36%

Charges structure is subject to change from time to time at the sole discretion of Axis Bank. As per Ministry of Finance guidelines, a service tax of 12.36% is being levied on all fees, interests and other charges on all credit cards. No refund shall be provided for Service Tax charged on Fuel Transaction Surcharge.