ESAF INORI RuPay Platinum Credit Card

Last updated:20-June-225 Writen by Narendra User Profile
ESAF INORI RuPay Platinum Credit Card
  • Best suitable for: Cashback
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NULL
ESAF INORI RuPay Platinum Credit Card

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 chargesA 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:2.5% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 200) + All charges/fees/taxes + EMI
Cheque Return Fees:
Late Payment Charges:500/-

ESAF INORI RuPay Platinum Credit Card: Eligibility & Documentation

Eligibility:-

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

Documentation:-

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

ESAF INORI RuPay Platinum Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 5% of cash advance or Rs. 500, whichever is higher
Cash Advance Withdrwan Limit: Upto 100% of the card limit
Cash Payment at Bank Branch: NIL

ESAF INORI RuPay Platinum Credit Card: Customer care and helpline

Customer care : 18005713723
Email Address : [email protected]
Mailing Address: ESAF Small Finance Bank, ESAF Bhavan, Mannuthy P. O., Thrissur, Kerala, India - 680651

Card replacement fee: Rs 500 + GST

Insurance Benefits:Insurance coverage up to ₹2 Lakhs. Covers Personal Accident Insurance and Permanent Disability Cover, offering peace of mind and financial security.

Domestic lounge:

International Lounge:

Fuel Surcharge:Fuel surcharge waiver will be limited to Rs. 40,000 in a calendar month with no single transaction being over Rs. 8,000.

FAQ of ESAF INORI RuPay Platinum Credit Card

Q1. 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.

Q2. 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.

Q3. 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.

Q4. 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.

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