I want to curate all the fees that a bank can slap me with on my credit card.Can anyone here in finanjo community helo me with…
You really asked a good question… i never thought of curating all the type of fees i have paid in my 10 years of using credit card.. Thank you for that
So yeah through me research and art of googling thing (which I am best at)I have tried to curate all the Fees her
- Joining Fee – One-time fee charged when you get the card (₹0 to ₹5,000+).
- Annual Fee – Yearly fee for keeping the card active (waived if you meet spending criteria).
- Interest Charges – Charged on unpaid dues or cash withdrawals (usually 3–4% per month).
- Late Payment Fee – Penalty for missing the due date (₹100 to ₹1,300+ based on bill amount).
- Cash Advance Fee – Charged for withdrawing cash using the card (2.5–3.5% of the amount).
- Overlimit Fee – Charged if you spend more than your credit limit (typically ₹500+).
- Foreign Transaction Fee – For international spends or foreign currency (usually 3.5%).
- GST – 18% tax applied on all fees and interest.
- Reward Redemption Fee - Yeah Sad you will have to fee which redeeming your own points it sucks..
For your ref I am attaching the sauce i used
Happy Swipping Buddy 