{"id":5494,"date":"2023-04-18T08:30:00","date_gmt":"2023-04-18T08:30:00","guid":{"rendered":"https:\/\/seekrewards.com\/stories\/?post_type=web-story&#038;p=5494"},"modified":"2023-04-17T08:42:56","modified_gmt":"2023-04-17T08:42:56","slug":"understanding-credit-card-fees-and-charges-in-india","status":"publish","type":"web-story","link":"https:\/\/seekrewards.com\/stories\/web-stories\/understanding-credit-card-fees-and-charges-in-india\/","title":{"rendered":"Understanding Credit Card Fees and Charges in India"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\" \/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\" \/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Spectral\" rel=\"stylesheet\" \/><link 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style=\"white-space:pre-line;margin:3.839506172839507% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.647249em;line-height:0.9;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #eef0f2\">Understanding Credit Card Fees and Charges in India<\/span><\/span><\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"25c8be74-ee08-4dde-a86e-da4f7efc259c\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7bef7062-07cc-48bc-8019-e06f4e29b20c [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(13.5036496350365%, 0, 0)\",\"translate3d(0%, 0, 0)\"]},\"delay\":0,\"duration\":4000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a869974f-c57a-4989-883d-641efc03e68d\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":300,\"duration\":1000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#363830\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-7bef7062-07cc-48bc-8019-e06f4e29b20c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-11557cfe-99ad-45cc-839a-9bce5a5d577d\">\n<div style=\"position:absolute;width:137%;height:137%;left:-18.5%;top:-5.48686%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/wp.stories.google\/static\/19\/images\/templates\/elegant-travel-itinerary\/page02_bg.jpg\" alt=\"Train on bridge surrounded with trees at daytime\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.2233%;width:100%;height:118.4466%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-48c07057-0d09-471a-92dc-024a666d8523\">\n<div style=\"position:absolute;width:268.04573%;height:100%;left:-84.02286%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" 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class=\"mask\" id=\"el-ce6dcc37-b3f6-4549-952a-0799856a433d\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0turn, rgba(0,0,0,0) 46%, rgba(0,0,0,0.8) 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.13592%;top:2.26537%;width:76.45631%;height:47.57282%;opacity:1\">\n<div id=\"anim-a869974f-c57a-4989-883d-641efc03e68d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 0.6802721088435374% 0.6802721088435374% 0.6802721088435374% 0.6802721088435374%\" id=\"el-fe083ef7-9105-4ca3-9872-3f6fa2c365aa\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;margin:1.0222222222222224% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Credit cards have become an indispensable part of our lives when it comes to fulfilling our financial needs. With the increasing popularity of credit cards, there has been a rise in the number of fees and charges associated with them. It is essential to understand the credit card fees and charges in India to make informed decisions while using them.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"44a6850f-bfb3-4a61-b681-8825f8b87f8b\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7a519cb5-8097-4889-ad47-f7a6a67241c1 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(0%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":4000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9c9600a1-cf18-47d8-96be-6fc5363c5994\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":250,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f3f3f3\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-7a519cb5-8097-4889-ad47-f7a6a67241c1\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0cfe6335-e35b-41b4-b1e5-127c3d4e8174\">\n<div style=\"position:absolute;width:316.04262%;height:100%;left:-108.02131%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=5191&amp;h=2920&amp;fit=max\" alt=\"person holding yellow and pink card\" srcSet=\"https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=5191&amp;h=2920&amp;fit=max 5191w,https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4152&amp;h=2336&amp;fit=max 4152w,https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=3114&amp;h=1752&amp;fit=max 3114w,https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=2076&amp;h=1168&amp;fit=max 2076w,https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=1038&amp;h=584&amp;fit=max 1038w,https:\/\/images.unsplash.com\/photo-1591030434469-3d78c7b17820?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=340&amp;h=191&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 143vh, 317vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-7.16019%;top:-9.70874%;width:111.65049%;height:118.4466%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-fb17e1a1-01c2-464a-806a-56c270d99ed4\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.6);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:12.37864%;top:57.11974%;width:76.45631%;height:42.71845%;opacity:1\">\n<div id=\"anim-9c9600a1-cf18-47d8-96be-6fc5363c5994\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 0.7575757575757576% 0.7575757575757576% 0.7575757575757576% 0.7575757575757576%\" id=\"el-cb1d1884-6f57-464c-a6c9-f126faba3c28\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;margin:0.704761904761905% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">One of the most common fees associated with credit cards is the annual fee, which is levied by the card issuer for maintaining the card. The annual fee may vary depending on the credit card&#8217;s type and the benefits it offers. Some credit cards may even waive off the annual fee if the cardholder meets certain criteria.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"0d865475-9baa-4044-92fa-69f68f2a4bc0\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-93be0e05-264f-446a-9322-595e7b1f1788 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(31.21462252752049%, 0, 0)\",\"translate3d(0%, 0, 0)\"]},\"delay\":0,\"duration\":4000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#8c5926\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-93be0e05-264f-446a-9322-595e7b1f1788\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-40524471-e9c6-464f-ba3f-6546de285418\">\n<div style=\"position:absolute;width:266.16447%;height:100%;left:-83.08224%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4240&amp;h=2832&amp;fit=max\" alt=\"a person holding a smart phone and a credit card\" srcSet=\"https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4240&amp;h=2832&amp;fit=max 4240w,https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=3392&amp;h=2266&amp;fit=max 3392w,https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=2544&amp;h=1699&amp;fit=max 2544w,https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=1696&amp;h=1133&amp;fit=max 1696w,https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=848&amp;h=566&amp;fit=max 848w,https:\/\/images.unsplash.com\/photo-1635950340810-2fb374521a7b?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwxOXx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE2ODE0NDg&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=340&amp;h=227&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 120vh, 267vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-1.57767%;top:-9.54693%;width:101.94175%;height:231.22977%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-393b366e-6c83-4322-bcaf-6fc63963d7d9\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0turn, rgba(0,0,0,0) 35%, rgba(0,0,0,0.8) 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:-0.32362%;width:76.94175%;height:32.03883%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.0101010101010102% 1.0101010101010102% 1.0101010101010102% 1.0101010101010102%\" id=\"el-13be2b01-1780-4c97-adb5-e92d52f5592a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;margin:1.0157728706624607% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Another fee associated with credit cards is the interest charge, also known as finance charge. It is the fee charged on the outstanding balance on the card, and the rate may vary depending on the credit card&#8217;s type and the payment history of the cardholder.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"b19c77b3-b7f9-4cc7-97bf-150d8c86f8bb\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-228c0199-bd0a-4126-95ca-4ad661d25e52 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(0%, 0%) scale(1.5)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":4000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#735959\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-228c0199-bd0a-4126-95ca-4ad661d25e52\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-230d95d0-e71c-4760-a7ac-30f9a8f8f363\">\n<div style=\"position:absolute;width:267.37778%;height:100%;left:-83.68889%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=6016&amp;h=4000&amp;fit=max\" alt=\"closeup photo of American Express Business card on brown surface\" srcSet=\"https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=6016&amp;h=4000&amp;fit=max 6016w,https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4812&amp;h=3199&amp;fit=max 4812w,https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=3609&amp;h=2400&amp;fit=max 3609w,https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=2406&amp;h=1600&amp;fit=max 2406w,https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=1203&amp;h=800&amp;fit=max 1203w,https:\/\/images.unsplash.com\/photo-1430276084627-789fe55a6da0?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzN3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=340&amp;h=226&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 121vh, 268vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-1.82039%;top:-9.38511%;width:104.12621%;height:118.4466%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;transform:scale3d(1, -1, 1)\" class=\"mask\" id=\"el-0664c49a-0c52-457d-868f-e6b1f2ffa5fc\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0turn, rgba(0,0,0,0) 34%, rgba(0,0,0,0.8) 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:66.01942%;width:76.45631%;height:32.03883%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 1.0101010101010102% 1.0101010101010102% 1.0101010101010102% 1.0101010101010102%\" id=\"el-b1bd827b-1c84-49b9-8b58-627cbfc20743\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;margin:1.0222222222222224% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Overlimit fee is another charge that is levied if the cardholder exceeds the credit limit set by the card issuer. The overlimit fee may vary from one card issuer to another and can substantially increase the outstanding balance on the card.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"3b9473d5-50fe-4bcd-a4a3-0b67b606ab73\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-a5990fb9-c8f4-434d-8e51-7aa65b912d10 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate(0%, 0%) scale(1)\",\"translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":6000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#0c2626\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-a5990fb9-c8f4-434d-8e51-7aa65b912d10\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-1dbfb013-3428-426f-8d9e-84bc80f2a7cb\">\n<div style=\"position:absolute;width:266.65029%;height:100%;left:-83.32515%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=8140&amp;h=5427&amp;fit=max\" alt=\"woman holding magnetic card\" srcSet=\"https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=8140&amp;h=5427&amp;fit=max 8140w,https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=6512&amp;h=4342&amp;fit=max 6512w,https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4884&amp;h=3256&amp;fit=max 4884w,https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=3256&amp;h=2171&amp;fit=max 3256w,https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=1628&amp;h=1085&amp;fit=max 1628w,https:\/\/images.unsplash.com\/photo-1556740772-1a741367b93e?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHwzNHx8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0MTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=340&amp;h=227&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 120vh, 267vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-1.33495%;top:-9.70874%;width:101.94175%;height:140.12945%;transform:rotate(180deg);opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;transform:scale3d(1, -1, 1)\" class=\"mask\" id=\"el-feb47bf8-9265-4aef-aeaf-f1096d9e13f9\">\n<div class=\"fill\" style=\"background-image:linear-gradient(0turn, rgba(0,0,0,0) 34%, rgba(0,0,0,0.8) 100%);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.8932%;top:0;width:76.94175%;height:28.15534%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.1494252873563218% 1.1494252873563218% 1.1494252873563218% 1.1494252873563218%\" id=\"el-7691274f-25dd-49d7-907e-663e7835f375\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;margin:1.0157728706624607% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.323625em;line-height:1.2;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Cash advance fee is another charge levied when the cardholder withdraws cash using the credit card. The cash advance fee may be a fixed percentage of the amount withdrawn or a fixed amount, depending on the issuer.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"967bf3c7-8255-49b3-9f26-5438e1dd36b4\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8b050e90-0a17-4948-8e4c-9769c114945e [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(7.812499744007886%, 0, 0)\",\"translate3d(0%, 0, 0)\"]},\"delay\":0,\"duration\":4000,\"easing\":\"cubic-bezier(.3,0,.55,1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#262626\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-8b050e90-0a17-4948-8e4c-9769c114945e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-9f43db5a-ba94-4636-9dcf-c531c176bb2c\">\n<div style=\"position:absolute;width:118.51852%;height:100%;left:-9.25926%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4480&amp;h=6720&amp;fit=max\" alt=\"black Android smartphone\" srcSet=\"https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=4480&amp;h=6720&amp;fit=max 4480w,https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=3584&amp;h=5376&amp;fit=max 3584w,https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=2688&amp;h=4032&amp;fit=max 2688w,https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=1792&amp;h=2688&amp;fit=max 1792w,https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=896&amp;h=1344&amp;fit=max 896w,https:\/\/images.unsplash.com\/photo-1556742521-9713bf272865?ixid=MnwxMzcxOTN8MHwxfHNlYXJjaHw0M3x8Y3JlZGl0JTIwY2FyZHxlbnwwfHx8fDE2ODE3MjA0OTI&amp;ixlib=rb-4.0.3&amp;fm=jpg&amp;w=340&amp;h=510&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 53vh, 119vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-2.79126%;top:-9.2233%;width:103.15534%;height:118.4466%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7365ed90-3a05-479a-a85b-473fd5893619\">\n<div class=\"fill\" style=\"background-color:rgba(0,0,0,0.6);will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:15.29126%;top:30.42071%;width:66.50485%;height:38.67314%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7299270072992701% 0.7299270072992701% 0.7299270072992701% 0.7299270072992701% \/ 0.8368200836820083% 0.8368200836820083% 0.8368200836820083% 0.8368200836820083%\" id=\"el-3082c247-35c5-4a42-8964-4a98959408d3\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;margin:0.8102189781021901% 0;font-family:&quot;Spectral&quot;,serif;font-size:0.323625em;line-height:1.3;text-align:center;padding:0;color:#000000\"><span><span style=\"color: #fff\">Late payment fee is another charge that is levied if the cardholder fails to pay the minimum amount due on time. The late payment fee may vary from one issuer to another and can substantially increase the outstanding balance on the card.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"d1207521-54cf-4a59-aa93-e3332c6cd948\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#eb5757\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-09db33cc-398c-48cd-9ab5-b8a6c987381e\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:7.76699%;top:0;width:84.46602%;height:100%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-783cc5e7-92bb-4421-b273-5d8277c4d650\">\n<div style=\"position:absolute;width:100%;height:100.10788%;left:0%;top:-0.05394%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/seekcms-assets.s3.ap-south-1.amazonaws.com\/seek_webstory_ad1_4a9df850ac.png\" alt=\"seek_webstory_ad1_4a9df850ac.png\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-page-outlink layout=\"nodisplay\" theme=\"dark\"><a href=\"http:\/\/seekrewards.com\/\" rel=\"\">Download<\/a><\/amp-story-page-outlink><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding Credit Card Fees and Charges in India Understanding Credit Card Fees and Charges in India Credit cards have become an indispensable part of our lives when it comes 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