क्रेडिट कार्ड पर लगते हैं ये 10 Charges, जानिए इसके बारे में. 

अगर आप क्रेडिट कार्ड लेने की प्लानिंग कर रहे हैं, तो आपको इस पर लगने वाले चार्जिसेस के बारे में जरूर जानना चाहिए।

अगले स्लाईड में जानिए कि बैंक और क्रेडिट कार्ड कंपनियां क्रेडिट कार्ड पर कौन-कौन से 10 Charges वसूलते हैं।

[{"selector":"#anim-b1b77037-2347-4ea5-bea0-82b7e2606a98","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f1056190-a87a-48cc-a1c9-d9128e0ffe47","keyframes":{"transform":["translate3d(0px, 131.20324%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2581686b-decd-4caa-8fcd-c6aee6aa96f5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

बैंक एक साल के लिए फ्री क्रेडिट कार्ड का ऑफर देते हैं, ऑफर खत्म होने के बाद क्रेडिट कार्ड के प्रकार और क्रेडिट लिमिट के आधार पर बैंक 300 से 3,000 रुपए तक एनुअल फीस वसूलते हैं।

[{"selector":"#anim-cf436310-84d5-4cae-a803-8b39a658b30b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-ce6725ab-90e7-487e-88d0-79bab6344615","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e932120e-89e7-4af1-afe9-f167cc43b0d2","keyframes":{"transform":["translate3d(0px, 123.43278%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a4c1f81-3446-4765-9157-0d07eaf6dacd","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0951b73b-756b-4634-841d-86839981d88d","keyframes":{"transform":["translate3d(0px, 830.25990%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर आप क्रेडिट कार्ड का बिल समय पर पेमेंट नहीं करते हैं तो बैंक आपसे 500 से 700 रुपए तक लेट पेमेंट चार्जेज वसूलते हैं।

[{"selector":"#anim-f236f26c-2102-4e09-8e00-37ea695fbb10 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c213ecbb-3289-4cea-a16a-5b530b6b9a13","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ee5e100f-a140-47b1-b79f-53fd12b8fa2c","keyframes":{"transform":["translate3d(0px, 132.20441%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c284d464-8eb8-4915-ad4f-77cc35953309","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c4cd1f7-2c12-49fe-a37b-6354d3f588f5","keyframes":{"transform":["translate3d(0px, 419.54488%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर क्रेडिट लिमिट से ज्यादा खर्च करते हैं तो बैंक आपसे ओवरड्राफ्ट फीस वसूलते हैं। कई बैंक आपसे 500 से 700 रुपए तक चार्जेज वसूलते हैं।

[{"selector":"#anim-3eca81d7-59cd-4fc7-ba56-2d888362ea06 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-33.92857133105062%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-ea9f05f9-7df7-47fd-b95c-4fd088329f0f","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b0d7d4a2-3807-4c94-9d14-03be54a1f179","keyframes":{"transform":["translate3d(0px, 132.20441%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f4c8b9ad-a871-4b85-8c5e-5a04f6fed91b","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56751b2b-19b9-4d16-830a-a135b748bbfa","keyframes":{"transform":["translate3d(0px, 419.54488%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर आप आउटस्टेशन चेक से अपने क्रेडिट कार्ड बिल का पेमेंट करते हैं तो बैंक इसपर सर्विस फीस वसूलते हैं।

[{"selector":"#anim-8f767184-4fb1-4c44-9e2b-a05233c7e233 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-27a76053-8729-4606-ab96-17ee8ce44f52","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a03c124-ed11-44b4-a601-231e994f564f","keyframes":{"transform":["translate3d(0px, 139.36095%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d8642350-1b34-4b6b-b024-3eac18807732","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-23f0b83c-257a-47f1-97ba-cfb534110e23","keyframes":{"transform":["translate3d(0px, 383.40030%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

डुप्लिकेट स्टेटमेंट फीस अलग-अलग बैंकों में अलग-अलग होती हैं।

[{"selector":"#anim-4e82e819-6bcb-4535-b4e0-2a0eed46445c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-f0eb8142-2f00-42f9-91b3-e745644db81e","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7651ec99-6608-4fad-9d3f-eab6ceeb7d16","keyframes":{"transform":["translate3d(0px, 151.47200%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9b982268-6dd4-46f0-aed9-6920b8a3ab5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed897185-837a-4e7a-b62d-c934f61f2a40","keyframes":{"transform":["translate3d(0px, 335.20754%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर आप क्रेडिट कार्ड से पेट्रोल और रेलवे टिकट खरीदते हैं तो बैंक इसपर भी चार्ज वसूलते हैं।

[{"selector":"#anim-cf807c34-dfb9-4c77-9ab1-0b37f5959065 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1c1337cb-9f2d-4148-873b-ab9a0da88c89","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7f100f52-7c29-4734-b79a-d1fd29ecc44a","keyframes":{"transform":["translate3d(0px, 138.70736%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a9a78dcd-5062-4a3d-8b94-93494d6a6cb0","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ad385d4-aeea-445f-ad1b-9b57cfb84583","keyframes":{"transform":["translate3d(0px, 296.77114%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर आप क्रेडिट कार्ड से कैश विथड्रॉ करते हैं तो बैंक और क्रेडिट कार्ड कंपनियां इसपर भारी फीस वसूलते हैं।

[{"selector":"#anim-a9833565-1008-4162-9987-34ee939bf595 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-68672c3b-2f3b-4df5-9256-cd1e00cab80c","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6d488e7-83cc-43ff-8cc4-33f6c44a2a39","keyframes":{"transform":["translate3d(0px, 139.36095%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06503eda-1a60-4982-afd5-c81f4967f61c","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22596987-9892-4c8c-9dad-0c8e355beb6e","keyframes":{"transform":["translate3d(0px, 387.01478%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर आप क्रेडिट कार्ड से फॉरेन करेंसी ट्रांजेक्शन करते हैं तो इसपर बैंक एक तय प्रतिशत फीस के तौर पर वसूलते हैं।

[{"selector":"#anim-8df2ecab-45bd-4ca7-a54a-c2d7d2b6ded8 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-48007936-f737-4614-a1f9-1bf8beb892b4","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d8a56728-d5de-42c7-8bda-d2a4b9bb8b94","keyframes":{"transform":["translate3d(0px, 132.20441%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-40fdc619-f7e7-4fa5-bb40-b6e933fc7363","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0c9e999c-0d15-4608-82e2-e1946763379e","keyframes":{"transform":["translate3d(0px, 337.79677%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

क्रेडिट कार्ड बिल ड्यू डेट के बाद हर महीने 2.00% से 4.00% तक की दर से इंटरेस्ट चुकाना पड़ सकता है। अगर सालाना तौर पर देखें तो यह 30% से 48% हो जाता है।

[{"selector":"#anim-5479d1f6-9b82-4cc3-9b2d-18c48c3fea5b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-fe9ec381-5299-4ba0-9b30-edc0a3e80949","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aa1fe6e2-6468-4cc6-9a0c-1a3a764c3595","keyframes":{"transform":["translate3d(0px, 126.55707%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-27cbf01c-841d-495d-b14b-8fbf179720c3","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-04ced322-c438-4e25-a488-5dfc7154df90","keyframes":{"transform":["translate3d(0px, 476.17141%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

क्रेडिट कार्ड की फीस, इंटरेस्ट और बाकी चार्जेस पर 18% की रेट से जीएसटी (GST) लगता है।

[{"selector":"#anim-cafff6b3-48aa-40ab-a4a8-e8f5fe7e27ae [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.514648210040342%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-72c8a93d-01b1-4a64-8a03-3036bc7e2c2a","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fa6e0b08-13c5-46d3-b7f4-c15d6f86f3f4","keyframes":{"transform":["translate3d(0px, 138.70736%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cd0ed2d9-1bda-4819-8120-b540853c809f","keyframes":{"opacity":[0,1]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8bb3a30a-90bc-4802-806b-f5c6519e657f","keyframes":{"transform":["translate3d(0px, 583.45141%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

अगर आप क्रेडिट कार्ड लेने की प्लानिंग कर रहे हैं, तो आपको इस पर लगने वाले चार्जिसेस के बारे में जरूर जानना चाहिए।

अगले स्लाईड में जानिए कि बैंक और क्रेडिट कार्ड कंपनियां क्रेडिट कार्ड पर कौन-कौन से 10 Charges वसूलते हैं।

एनुअल फीस (Annual Fee)

अगर आप क्रेडिट कार्ड का बिल समय पर पेमेंट नहीं करते हैं तो बैंक आपसे 500 से 700 रुपए तक लेट पेमेंट चार्जेज वसूलते हैं।

लेट पेमेंट चार्जेज (Late Payment Charges)

ओवरड्राफ्ट लिमिट चार्जेज (Overdraft Limit Charges)

अगर आप आउटस्टेशन चेक से अपने क्रेडिट कार्ड बिल का पेमेंट करते हैं तो बैंक इसपर सर्विस फीस वसूलते हैं।

आउटस्टेशन चेक पर फीस (Fee on Outstation Check)

डुप्लिकेट स्टेटमेंट फीस अलग-अलग बैंकों में अलग-अलग होती हैं।

डुप्लिकेट स्टेटमेंट फीस (Duplicate Statement Fee)

अगर आप क्रेडिट कार्ड से पेट्रोल और रेलवे टिकट खरीदते हैं तो बैंक इसपर भी चार्ज वसूलते हैं।

पेट्रोल और रेलवे टिकट पर फीस (Fees on Petrol and Railway Tickets)

अगर आप क्रेडिट कार्ड से कैश विथड्रॉ करते हैं तो बैंक और क्रेडिट कार्ड कंपनियां इसपर भारी फीस वसूलते हैं।

कैश विथड्रॉल चार्जेस (Cash Withdrawal Charges)

अगर आप क्रेडिट कार्ड से फॉरेन करेंसी ट्रांजेक्शन करते हैं तो इसपर बैंक एक तय प्रतिशत फीस के तौर पर वसूलते हैं।

फॉरेन करेंसी ट्रांजेक्शन चार्जेस (Foreign Currency Transaction Charges)

इंटरेस्ट रेट्स (Interest Rates)

क्रेडिट कार्ड की फीस, इंटरेस्ट और बाकी चार्जेस पर 18% की रेट से जीएसटी (GST) लगता है।

जीएसटी (GST)