Entrance (or joining) fee
Annual fee
Supplementary card/add-on card
Cash advance (cash withdrawal) fee
Lost card liability
Late payment fees

The Entrance fee:
It is payable on acceptance of your application for a new credit card. This fee varies between Rs 100 to Rs 400 depending upon the issuing bank and the type of card requested. More often than not, this fee is waived. Click here to view a comparative table of entrance fees across all cards.

The Supplementary card/add-on card fee :
It's fee is payable per additional card that a member may request for his close family member like father, brother, sister or spouse. This fee varies between Rs 125 to Rs 1,000.

Cash advance (withdrawal) fees :
This is payable when you withdraw cash from an automatic teller machine using your credit card. Cash advance fees are very high and are mostly in the range of 2.5% per transaction of fixed at a minimum of Rs 50 or 100. This facility should be used prudently, as the interest rate is very high, usually around 38%.

Lost card liability:
In the event that you lose your credit card or it is stolen, then you must inform the bank immediately. The bank then deactivates your credit card to prevent any fraud. The Lost Card Liability fee is payable on the expenses incurred during the period between the loss of your card and your having reported it to the bank. The lost liability fee is restricted to a maximum sum of Rs 1,000 in the case of most credit cards issuing banks.

Late payment fees:
As the term indicates are payable in the event of any delay in repayment of the out standings on your credit card after the stipulated 'interest-free period'. These charges are very steep and card members are well advised to pay off at least the minimum amount due on out standings every month.