ESAF INORI RuPay Platinum Credit Card
Welcome Benefits
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ESAF INORI RuPay Platinum Credit Card: Fees & Charges
| Type of fee or charge | Amount (Rs.) |
|---|---|
| Joining Fee: | ₹ Lifetime Free |
| Annual/Renewal Fee: | ₹ Lifetime Free |
| Finance Charges: | Daily finance charge of 0.1% ( equivalent to 3% monthly finance rate for 30 days a month or an APR of 36.5%) |
| Spend Based Waiver: | |
| Over Limit Penalty: | exceeding your credit limit may result in declined transactions |
| Rent Payment charges | A surcharge of 1% of the transaction amount will be levied on rental payments, subject to a maximum of 40% of the total credit limit. |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
Eligibility criteria
Age: Applicants should be at least 18 years old.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof
Document Requirements
1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof
Other Information
Frequently Asked Questions
Is the ESAF INORI RuPay Platinum Credit Card lifetime free?
Yes, the ESAF INORI RuPay Platinum Credit Card comes with zero joining and annual fees, making it a lifetime free credit card. There are no hidden charges related to card maintenance, making it ideal for first-time credit users.
Can I use the ESAF INORI RuPay Credit Card for UPI payments?
Yes, since it's a RuPay Platinum Credit Card, it can be linked to UPI apps like PhonePe, Paytm, and BHIM, allowing you to make credit-based UPI transactions across India.
What is the credit limit offered on ESAF INORI RuPay Platinum Credit Card?
The ESAF INORI RuPay Platinum Credit Card offers a credit limit ranging from ₹10,000 to ₹8,00,000. The final limit is determined based on your income, credit score, and repayment capacity.
What is the forex markup fee for ESAF INORI Card international transactions?
For international transactions made with the card, ESAF charges a 2.5% foreign currency markup fee on the total transaction amount.
Is there insurance coverage on the ESAF INORI Credit Card?
Yes, the card includes personal accident insurance and permanent disability cover of up to ₹2 Lakhs, giving cardholders added financial protection in case of emergencies.
Card other Details
ESAF INORI RuPay Platinum Credit Card Credit Limit: Up to ₹10 Lakh