Bharat Credit Card Fees & Charges

• Joining/renewal membership fee: ₹500 plus applicable taxes.
• To view all fees and charges, navigate to ‘Manage Your Credit Cards’ and access the Personal MITC section.
   

Goods and Services Tax (GST)

• Starting from July 01, 2017, the previous Service Tax, KKC & SBC of 15% has been replaced by Goods and Service Tax (GST) at a rate of 18%.
• The applicable GST depends on the place of provision (POP) and the place of supply (POS). If both POP and POS are in the same state, then the applicable GST will be CGST and SGST/UTGST, otherwise, IGST will be applicable.
• For fees, charges, and interest transactions billed on the statement date, the GST will be reflected in the next month's statement.
• It's important to note that the GST levied will not be reversed in case of any dispute on fees, charges, or interest.
   

Effective November 1, 2020, the following terms and conditions apply:
The Bank retains the authority to cancel the card if it remains inactive for a continuous period of 6 (six) months, following prior written notice sent to the registered email address, phone number, or communication address recorded in the Bank's records.