1. Your International Credit Card (ICC)

2. How to use your Credit Card

3. How to avoid misuse of your Credit Card

4. Credit cardholder privileges

I. Worldwide acceptance

II. Free credit period

III. Extended credit facility

IV. International ATM access

V. Credit Shield

VI. Purchase Protection

VII. Baggage Insurance

VIII. Hospitalization Expenses

IX. Insurance Privileges

X. Additional Credit cards

5. Insurance claim procedure

6. Monthly statement

7. Card Member agreements

8. Payment

9. Bonus Reward Programme

10. Features and Tariff

Note: The Bank of Rajasthan Limited here in after in this document is called “The Bank”.

1. Your International Credit Card (ICC)

Face of the Credit Card

(I). Credit card number: This is your exclusive l6-digit Credit card number. Please include this in all correspondence with the Bank.

(II). Your name: Please check to see that your name is correctly embossed. In case of incorrect embossing, call Help Desk Number 022-27894505 or Toll Free Number, 1800-224504

(III). Valid from-Expires End (mm/yy): Your Credit card is valid throughout the period (up to the last date of the month of the year) indicated on your Credit card.

(IV). The VISA Card hologram and logo: Any establishment displaying the VISA Card logo accepts your Credit card worldwide.

Back of the Credit Card

(I). Signature panel: Please sign on this signature panel immediately using a non-erasable ballpoint pen (preferably in black ink).

(II). Magnetic strip: Important information pertaining to your Credit card is encoded on this strip. Protect your Credit card from exposure to direct sunlight, magnets and continuous magnetic fields (hand bag clasps, televisions, speakers and any other electronic appliances). Also prevent the magnetic strip from being scratched.

2. How to use your Credit Card

When using your Credit card to pay for products or services, present your Credit card against the bill. The sales establishment / merchant will prepare a sales slip.

1. Please verify the amount- There is usually a provision for tips / miscellaneous items. If required, fill this section and bring down the total.

2. Sign in the space provided - You may be presented and asked to sign on the sales slip of any VISA Card member bank. While the formats may differ, the basic contents of these slips will remain the same. The establishments will return your copy of the bill and the sales slip for your record, along with your Credit card. At times, merchant establishments may be required to 'refer' the purchase transaction. This does not mean that the transaction has been 'declined' by but simply that the merchant is required to contact their bankers for approval. In order to safeguard you in the event that your Credit card has been 'lost or stolen your personal details may also be requested at this time. Please contact the Bank’s Call center if your transaction is declined, without a valid reason given by the merchant establishment.

3. How to avoid misuse of your credit card

Credit card fraud is not very common. However please take care as under to minimize chances of fraud.

1. Never keep your Credit card loosely in your pockets or bags.

2. Always keep your Credit card in the same place within your wallet/purse so that you notice immediately if it is missing.

3. Never leave your Credit card unattended.

4. Always memorize your Personal Identification Number (PIN) and change it on a regular basis.

5. Never keep a copy of your PIN in your wallet/purse and never write your PIN number on your Credit card.

6. Never disclose your PIN to any one, not even your family members.

7. Never surrender your Credit card to anyone other than a merchant when making a purchase. This includes people claiming to be representatives of the Bank or VISA International.

8. Always ensure that merchant processes transaction on your Credit card in your presence and ensure they do not note down your Credit card number, swipe your Credit card twice or fill out two charge slips. Never sign an incomplete charge slip.

9. Always take some time to verify that, upon completion of the purchase, the Credit card returned to you is your own.

10. Always call Customer Service Officers if you have any suspicion that your credit card has been lost, stolen or used fraudulently.

11. Always keep a copy of your credit card details (credit card account number /expiry date) and any relevant bank addresses in a safe place other than your purse/ wallet.

12. Always keep track of your credit card’s billing statement date if your credit card statement is not received on time, do not hesitate to contact to ensure that it has been dispatched to your appropriate mailing address.

13. Always notify, in writing or on phone, or any change in your employment and/or residential address and telephone numbers.

14. Never reveal your credit card number /expiry date, PIN number and your personal details to any e-mail soliciting your personal information.

15. Never reveal your Credit card number/expiry date/ PIN number and your personal details to any telephonic survey.

16. Never seek help from strangers at the ATM, even if offered voluntarily, while utilizing your Credit card at ATMs.

17. Never hand the consignment containing your Credit card, once delivered to you, back to the delivery person under any pretext.

4. Credit card holder Privileges

i. Worldwide acceptances - Your credit card is accepted at over 1,17,000 merchants in India and is acceptable in more than 160 countries world wide through more than 24 million merchants. The card is acceptable at 13000 VISA plus ATMs across the country.

ii. Free credit period - You can get up to 45 days free credit on purchase with out any finance charges being levied in your credit card account. This is applicable provided your credit card outstanding, as shown on your statement, is settled in full by the due date. However, if only part payment is made, the interest free credit period will not be applicable and finance charges will accrue, based on daily balance on the outstanding from the date of transaction.

iii. Extended credit facility - You can buy now and just pay a minimum of 5%, and settle the balance later at a specified finance charge of 2.95% per month (41.75% per annum) w.e.f. 04.01.07.

iv. International ATM access

a. Cash advance - You have access to, round the clock, at over 10 million ATMs worldwide. This includes the Bank /UTI Bank/Corporation Bank/Cash Tree Network/ VISA ATMs. Credit Card holders can withdraw cash from any of the ATMs up to Rs.15, 000 per day, within the overall limit specified in the tariff sheet. Using the cash advance facility will attract a cash advance fee and finance charges at the prevailing rate (refer the tariff sheet on page 39). Finance charges are applied from the date of the transaction until the entire outstanding amount is cleared in full.

At the Bank’s ATMs in India, you can obtain the following services in addition to cash withdrawals:

Deposit cash or cheque for credit to your Credit card account & Balance Enquiry.

To use the ATM facility, you will need to use your Personal Identification Number (PIN), which will be mailed to you by the Bank within 2 weeks of Credit Card issuance. Credit Cardholders can access www.visa.com/pd/atm/main.html to get complete details on VISA ATM locations in India and other countries worldwide.

b. Foreign Exchange Entitlement - You can use your credit card for making payment towards expenses up to the limit on the credit card, irrespective of the Foreign Exchange Management Act (FEMA), 1999.

v. Credit Shield - The insurance privilege provides a waiver of payment of outstanding on your Credit card amount up to Rs. 50,000, Rs. 30,000 and Rs. 20,000 on Platinum Card, Gold Card and silver Card respectively. Credit shield is payable subject to settlement of insurance claim.

If the Credit cardholder has two or more Credit cards insured under this Credit Shield Extension, the total maximum amount of insurance cover that he can enjoy shall not exceed limits mentioned above. Eligible Credit cardholders must be aged 18-69 years at entry and cover ceases at the age of 70.

Insurance is the subject matter of solicitation.

vi. Purchase Protection - The purchase protection of Rs.40000 in case of Platinum and Gold card and Rs.20000 in case of Silver card is available to credit card customers against loss / damage of goods purchased through credit card due to fire, burglary for 90 days from date of purchase. The purchase protection is available only if the articles are kept inside the premises.

vii. Baggage Insurance - Baggage insurance of Rs.30,000 to platinum cardholders and Rs.15,000 to Gold Card holders is available for international travel only (Excess – Rs. 25,000) cash and jewellery excluded.

viii. Hospitalization Expenses  - Hospitalization expenses cover due to rail / Road accident only to the extent of Rs. 50,000 is available to Gold and Platinum cardholders. The claim is payable only if there is an involvement of third party in an accident. Thus cases like skidding from the bike where there is no involvement of third party are not covered.

ix. Insurance privileges - All benefits listed above are provided by United India Insurance Company Ltd. and are available only to "active" primary Credit cardholders (excluding Zero lost card liability).

x. Additional Credit cards - You can apply for up to two additional Credit cards for your spouse, your parents, brother/sister or your children above 18 years. The additional Credit cards held by your family members will share the credit limit on your primary Credit card. Charges incurred on your additional Credit cards will reflect in the primary Credit card statement. The annual fee as detailed in the tariff sheet will be included in your statement of account. Additional Credit cardholders will not receive a separate monthly statement. Additional Credit cardholders receive identical benefits as the primary Credit cardholder except for the purchase protection, hospitalization expenses due to accident and lost baggage insurance.

5. Insurance Claim procedure

a. Lost baggage insurance - A notice of the loss should be provided along with the following documents:

Property Irregularity Report (PIR) from concerned airline. Letter from the concerned airline confirming the number of bags checked in and the numbers lost, compensation paid with details of the flight and relevant dates. List of articles in the unit of baggage lost. Proof of ownership in case of item valued in excess of US$ 100 (Rupee equivalent). Baggage receipt. Ticket/Boarding pass. Letter of subrogation - format of letter will be sent by the Insurance Company with the claim form.

Click here to down load insurance claim form

b. Credit Shield -

1. A notice of death should be provided within 30 days of the Credit cardholder's death. This notice should include a brief description of the accident.

2.The claim must be filed within two months of the loss of life due to an accident and the following notarized documents should be submitted along with the claim form:

a. Death certificate

b. Police report / panchnama

c. FIR 

d. Post-mortem report

e. Examining medical officer's report

3. In case any of the documents are in vernacular language, please have them translated into English and notarized. Any further documents required by the insurance company will also need to be submitted, when required.

c. Purchase protection - A notice of loss due to Burglary /fire (not against theft) should be provided to The United Insurance Co. Ltd. This notice should include a brief description of the incident.

Please note: All insurance benefits listed above are provided directly to Credit cardholders by The United Insurance Company Ltd., whose terms, conditions and decisions, for which is not liable, will apply. Claims for settlement to be sent directly to The United Insurance Company Ltd..The Bank does not hold any warranty and/or make representation about quality, delivery of the cover, claims processing or settlement of the claim by The United Insurance Company Ltd. in any manner whatsoever. The insurance benefits are available to you regardless of other existing insurance that you may avail of. You may be asked to submit additional documents, as per the requirements of the case. The Bank will not be liable for any delayed settlement of claims. The settlement amount will be paid by an account payee cheque in favour of the nominee after deduction of any amount outstanding that is due on the Credit card account.

For any further queries or assistance related to the policy, exclusion and claim settlements, you may write to:

The Regional Manager

The United India Insurance Company Ltd., Sahara Chambers, Tonk Road, Jaipur-302015

Or call:

The United India Insurance Company Ltd.-0141-2743540, 2743341.

To report a lost Credit card, you may call any of our Customer Service Officers in India or VISA Card Global Emergency Assistance Help lines. Please confirm the loss in writing to, The Chief Manager, Credit cards, The Bank of Rajasthan. Ltd., Raghuvanshi Mills Compound, Senapati Bapat Marg, Lower Parel (W) MumbaI-400013. The Bank will arrange to replace your Credit card as soon as the instructions, in writing, of the loss and requesting for a replacement card, are received, so that you do not lose the convenience of your Credit card for long.

If you recover your Credit card after you have reported its loss, please do not attempt to use it. Instead, please destroy the Credit card by cutting it into several pieces.

6. Monthly statement

Your monthly Credit card statement of account is a comprehensive record of all activities on your Credit card for the statement period. If you find any discrepancy in the statement, please contact us immediately. For your convenience, a detailed explanation is given below.

Main Credit card number: This is your primary Credit card account number.

Name and address: This is your name and address as per our records. Please notify us of any change in your address/telephone numbers, in complete, immediately to ensure timely receipt of your statements.

Statement period: This is the period for which transactions on your Credit card are listed in this statement. Note that only transactions received by during this period are listed. You may have made other transactions that are in the course of processing and thus not listed.

Statement date: It is the date on which the statement is generated.

Minimum Amount Due: The minimum payment due for a month is normally 5% of the closing balance, subject to a minimum of Rs.100. (You may, of course, choose to pay a higher amount.)

However, if your statement shows an amount over limit (and/or an amount past due, then the total minimum payment due is 5% of the closing balance adjusted for the amount over limit and the amount past due.

Total Credit limit: This is the maximum amount, which can normally be outstanding against your Credit card account at any given time. This limit is specified in the mailer accompanying your Credit card.

Date: This refers to the actual date when you made the transaction.

Transaction details: This section lists all domestic and international purchases and cash advances during the month, with a brief description of where the transaction was incurred. The name of the merchant establishment where you used your Credit card may differ from that shown on your statement. This happens when the merchant's trading name differs from its registered company name. Your copy of the sales slip will assist with this reconciliation. All overseas transactions (i.e. made in currency other than Indian Rupees, or the local currency of Nepal and Bhutan) will also reflect the currency of transaction and the amount in foreign currency denomination. This section also acknowledges payments received and balance brought forward, fees charged and any adjustments.

Amount: Lists the corresponding transaction amount in Indian Rupees against each purchase, cash advance or payment received. The letter 'CR' against an amount indicates a credit to your account.

Closing balance: It shows total balance due as of the last day of the statement period. It includes amounts posted to your account during the statement period and any amounts brought forward from the previous month adjusted for payments received, if any.

Amount over limit: The portion of your closing balance which is in excess of your specified credit limit is payable immediately. Kindly ensure that your Credit card account outstanding are within the credit limit assigned to you at all times. If your outstanding exceed your credit limit, an over limit fee will be charged, once every billing cycle. The over limit fee is detailed in the tariff sheet.

Past Due: Minimum payment due, that is outstanding from previous statements and the amount over limit, if any, that has not been paid by the payment due date. This amount is payable immediately. This amount will be added and reflected in your statement as part of minimum amount due.

Payment due date: Normally, you need to pay the minimum payment due by the payment due date to avoid transactions getting declined and the levy of a late payment fee (refer Fee & tariff chart for details). However, if your statement shows an amount past due, you need to pay this amount along with the amount over limit (if any) immediately, to avoid transactions getting declined and the levy of late payment fee.

Messages: Useful and important information is provided to you each month through the statement message printed in the transaction area at the end of the statement. The service tax wherever applied is recoverable from cardholder.

Bonus Rewards summary: This gives you the details of the reward points earned. Opening balance reflects points carried forward from your last statement. Points earned reflects the points earned on the spends incurred in this statement cycle. When you redeem your points, it will be reflected in the points redeemed/ reversed section. Closing balance reflects your total points accumulated less redeemed/ reversed. This information is not available for duplicate statements.

Settlement of Outstanding of Overseas Transactions

1. All expenses incurred overseas must be strictly in accordance with the Foreign Exchange Regulations of the Reserve Bank of India (RBI). Please note that the aggregate expenses you incur overseas (i.e. through cash/ traveler’s cheques/your bank accounts/Credit card) should not exceed the limit set by RBI, as prevailing from time to time. The credit card holder will be responsible for violation of limits prescribed as per Foreign Exchange Regulations of RBI.

a. ICC can be used for meeting permissible expenses, while on a visit out side India, to the extent of the ICC limit. Further, all expenses incurred should be in accordance with Foreign Exchange Regulations of RBI.

b. ICC can’t be used on Internet or otherwise for purchase of prohibited items, like lottery tickets, banned magazines, payment of callback services etc., since no drawal of foreign exchange is permitted for such items/activities.

2.Credit card holders holding an RFC or EEFC account may pay for the overseas transactions incurred on their Credit card account by a debit to their EEFC or RFC account. They may enclose a draft in US dollars or Indian rupees as payment. The charges can be paid out of EEFC, RFC or RFC(domestic) accounts held by the ICC holder, subject to the rules of the RBI/Bank relating to such accounts.

3.Please note that the "closing balance" shown on your Credit card statement reflects the total outstanding on your Credit card account and includes both, domestic and international transactions. Each international transaction will show the amount in the transaction currency together with the corresponding rupee equivalent amount.

4.All transactions (domestic and international) incurred by your additional Credit cardholders will also be reflected on your Credit card statement. Additional Credit cardholders are also required to ensure that the expenses they incur overseas are strictly in accordance with the Foreign Exchange Regulations of the RBI.

5. Any payment you make towards your Credit card dues will be applied towards repayment of the total outstanding, either domestic or international, of your Credit card account and not against any single/ specific amount charged to the account.

6. To track your overseas spends in order to ensure that they are within the permissible RBI limits, you will have to convert the equivalent rupee amount shown on your statement for each overseas transaction to US$, using the days telegraphic transfer selling rate which can be obtained from your authorized dealer. The conversion will be done as per practice followed by other Banks. The TT selling rate may differ from bank to bank.

7. Any violation of the Foreign Exchange Regulations arising out of utilization of this Credit card is the responsibility of the individual Credit cardholder (primary/additional) and he/she would be liable for action under the provisions of the Foreign Exchange Management Act (FEMA), 1999 and any other regulations in force from time to time. Please note the onus of ensuring compliance with the regulations is with the holder of the International Credit card,

8. Please note: your Credit card is valid for use both in India and overseas. It is not however, valid for making foreign currency transactions in Nepal and Bhutan i.e. the transactions in currencies other than local currency of Nepal/Bhutan or in Indian Rupees. Your Credit card transactions outside India must be made strictly in accordance with Foreign Exchange Regulations of the Reserve Bank of India. In the event of any failure to do so, you will be liable for action under the Foreign Exchange Management Act, 1999.

Payment

Please draw your cheque for the amount due in favour of “ The Bank of Rajasthan Ltd. credit card No…………………………………….. (your 16-digit credit card number). Please mention your name and contact telephone number at the back of the cheque.

Payment options

i. Through ATMs - You can settle your Credit card bills by depositing cash or a cheque into your Credit card account using the Bank’s ATMs in India, at any time of the day or night. If you are an accountholder and have opted for the ATM access to your bank account with.

ii. Auto Debit Facility - If you are an accountholder with, you can issue a written standing instruction to have a pre-determined percentage of your monthly outstanding automatically debited to your account with on the payment due date. The account you nominate must be either your sole account or a joint account with "any" or "either" signing mandate.

iii. Over the counter - You can, also make your payments by cash or cheque, quoting your 16-digit card number, at any online branch of in India and your cash or cheque will be deposited into your Credit card account.

iv Mail cheque /draft - You can mail a cheque/draft, to branch closest to you. Collection charges will not be levied for any cheque of the Bank or other Bank cheques which are payable at those centers where has a branch. For other centers collection charges will be levied as per Bank’s rules. In order to avoid being charged a late payment fee, please ensure that your cheque reaches us three working days prior to our payment due date as this will ensure that your cheque is cleared in time. You are requested not to deposit any post-dated cheques while settling your Credit card dues.

v. Electronic clearing system - You can make your payment directly by authorizing us to debit an account (4 days prior to your due date) that you hold with any Bank. To use this facility, just fill in the acceptance form. This facility is available at selected centres. There are following 15 centers where ECS facility are available.

vi. Do not Call registry

In case you feel appropriate, you may register your self on Do Not Call Registry available at Bank’s website www.rajbank.com .

Bonus Rewards Programme

7. Card Member Agreement

IMPORTANT: Before you use your Credit card, please read this Credit cardholder agreement carefully. By using the Credit card, you are accepting the terms and conditions set out below and will be bound by them.

Definitions

1."Applicant" means: (i) any person who has signed the Credit card application form which is accepted by ; and (ii) any individual who has signed or used a Credit card issued by the Bank .The Bank” means “The Bank of Rajasthan Ltd.”., its successors and assignees.

2. “Primary Credit cardholder” means an applicant in whose name has determined to open a primary Credit card account.

3 "Credit Card" means, as appropriate, the Credit card issued by the Bank to a Credit Card holder.

4. "Credit Card account" means the account opened and maintained by for the purpose of use of the Credit card as per the terms and conditions contained herein.

5. "Additional Credit cardholder" means an applicant who is an individual to whom a Credit card bearing that individual's name is issued by although the liability is shared, jointly and severally, with the primary Credit cardholder.

6. "Person" means any individual, corporation, firm, company, institution, or other natural or legal person whatsoever.

7. "Statement" means a monthly statement of account sent by to a Credit cardholder setting out the financial liabilities on that date, of the primary Credit cardholder and any additional Credit cardholder to in respect of the Credit card account.

8. "Transaction" means any instruction given by an individual using a Credit card directly or indirectly to to effect action on the Credit card (examples of "transaction" instructions could be a sales slip, a cash advance slip or a mail order coupon).

9. "Merchant establishments" shall mean establishments wherever located which honour the Credit card and shall include amongst others stores, shops, restaurants, hotels, airline organizations and mail order advertisers, including mail order outlets (whether retailers, distributors or manufacturers), advertised by or VISA Card International.

Use of terms "you", "your", "him", or similar pronouns shall, where the context so admit, mean the Credit cardholder.

10. The Credit card is issued by, with its registered office at, Clock Tower Udaipur and corporate Office at 11/12, Senapati Bapat Marg, Raghuvanshi Mills Compound, Lower Parel (w), Mumbai - 400 013, India, on the following terms and conditions:

Credit Card usage

1. If you need to surrender your Credit card to please ensure that you cut the Credit card into several pieces through the magnetic strip before surrendering the same. If the Credit card is surrendered without cutting into several pieces, you shall remain liable for any misuse that takes place subsequent to the Credit card being surrendered to . This applies to any method (mail, personal handing over etc.) that is used to surrender the Credit card.

2. You must sign the Credit card immediately upon receipt, must not permit any other person to use it and should safeguard the Credit card from misuse by retaining it under your personal control at all times. Please destroy your old Credit card, on receipt of your renewal Credit card, by cutting it into several pieces. Your renewal Credit card shall be sent to you before the expiry of the old Credit card at the discretion of , upon evaluation of the conduct of your account.. The Bank reserves the sole right of renewing your Credit card account on expiry.

3. You must sign a sales slip, cash advance slip, or mail order coupon whenever the Credit card is used and should retain your copy. The Bank may furnish copies of the sales or cash advance slip at an additional charge. Any sales, cash advance slip, or mail order coupon not personally signed by you but which can be proved as being authorized by you, will be your liability.

4. You will be responsible for all facilities granted by in respect of the Credit card and for all transactions and charges accrued on these facilities, notwithstanding the termination of this agreement.

5. The Credit card is acceptable at any VISA Card merchant outlet worldwide depending on the brand of Credit card used. Whilst will not accept responsibility for any dealings the merchant may have with you including but not limited to the supply of goods or services, we will try and assist you, wherever possible. For this you should notify about the complaint immediately along with supporting documents. Should you have any complaints concerning any Visa Card merchant establishment, the matter should be resolved by you with the merchant establishment and failure to do so will not relieve you from any obligations to .

6. The Bank accepts no responsibility for any surcharge levied by any merchant establishment and debited to your Credit card account with the transaction amount.

7. All charges for jewellery, electronic goods and cash will be approved selectively at the Bank’s discretion in the first six months of Credit card membership.

8. The Bank shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of decline of a charge because of exceeding foreign exchange entitlements as prescribed by RBI guidelines issued from time to time, on becoming aware of the Credit cardholder exceeding his entitlements.

9. Utilization of the Credit card must be in strict accordance with the Foreign Exchange Regulations of the Reserve Bank of India (RBI). In the event of your failure to comply with the same, you are liable for action under the Foreign Exchange Management Act, 1999 and may be debarred from holding “the Bank’s” Credit card valid worldwide, either at the instance of or the RBI. You shall indemnify and hold harmless from and against any and all consequences arising from you/the additional Credit cardholder not complying with the Foreign Exchange Regulations of the RBI.

10. Non-resident Indians can hold an International Credit card provided all dues arising out of its use in India/abroad are met out of a NRE account held with or by inward remittances. Accountholders of other Banks can hold an International Credit card in accordance with the RBI guidelines.

11. You undertake not to use the Credit card as payment for any illegal purchase.

12. Reserves the right to honour, refer or decline any transaction on the Credit card, at its sole discretion and without assigning any reason whatsoever.

13. If becomes aware of suspicious/irregular/high-risk transactions or authorization requests being made/attempted on the Credit card account, it reserves the right to temporarily block the available credit limit in the Credit card account, only if the Credit cardholder is not contactable to confirm the transactions. This measure is being taken to safeguard the interests of the Credit cardholder as well as .

14. International Credit cards cannot be used on Internet or otherwise for purchase of prohibited items, like lottery tickets, banned or prohibited magazines, participation in sweepstakes, payment for call-back services etc.

15. You can contact for clarification with respect to permissible foreign Exchange transactions.

Billing

1. The Bank will maintain an account in respect of the Credit card ("the Credit card account") to which the value of all purchases of goods or services, cash advances, fees, charges and payments effected by the use of the Credit card ("Credit card transactions") will be posted.

2. The Bank will assign a credit limit to the Credit card account, which must be strictly observed by the Credit cardholder and which may be varied by from time to time as provided or by notice to the Credit cardholder. The Credit cardholder may apply for a review of his assigned credit limit at any time after first six months of satisfactory Credit card operations. The Bank may at its sole discretion (but shall not be obliged to), without prior notice to the Credit cardholder, increase the credit limit from time to time or permit Credit card transactions to be effected in excess of the credit limit and the Credit cardholder shall be liable for any related transaction in accordance with the terms of this agreement. The Bank may at its sole discretion, as a result of a reasonable assessment of credit risks associated with the Credit card account or the Credit cardholder based on information available to” the Bank”, reduce the credit limit of such accounts as it thinks fit without prior notice to the Credit cardholder.

3.Credit limit is the maximum amount that can be outstanding against your Credit card account at any given time. In the event of your exceeding the credit limit assigned, an over limit fee is levied by , once every billing cycle, at the prevailing rate. In case you exhaust the credit limit sanctioned, the Credit card will not be invalidated, but all transactions initiated by you beyond this limit sanctioned will be declined till the Credit card account is funded fully or partly.

4. When the Credit card account has an outstanding balance, will send a monthly-itemized statement of account. This statement will provide details on:

a)     The amount outstanding as at the statement billing date - "Closing Balance" (note that the Current Outstanding Balance may be lower or higher; balance depending on entries posted o the credit card account, but not yet billed)

b)     The Minimum Amount Due (at rated applicable from time to time and as advised by “the bank” in its tariff sheet)

c)      The Payment Due Date (the date by which payment must be received by “the Bank”.)

d)     Any Amount Past Due (minimum payments due that are outstanding from previous statements and the Amount over limit, if any).

5. A purchase and a subsequent credit for cancellation of goods/services like air/rail tickets are two separate transactions. You must pay for the purchase transaction as it appears on your statement to avoid the charging of any fee. The refund will only be credited to your Credit card account  (less cancellation charges) as and when received from the merchant. If the credit is not posted to your Credit card account within 30days from the date of refund, you must notify “the Bank”.

6. All charges incurred in foreign currency will be billed in the Credit cardholder’s billing statement in Indian rupees. You hereby authorized “the Bank” and VISA to convert charges incurred in a foreign currency to the Indian Rupee equivalent thereof at such rates as “the Bank” and VISA may decide from time to time

8. Payment

1. Cheques / Drafts forwarded to for clearance of dues must be drawn and payable at any city where the Bank has a branch. Cheques / Drafts drawn or deposited outside these areas are subject to a collection charge at the then prevailing rate. Payments will be credited to the Credit card account on receipt, but should the payment instrument subsequently be dishonoured, the Credit card account may be suspended, the Credit card cancelled and the full outstanding balance will become immediately due and payable. The Bank” will, at its sole discretion, take necessary measures to recover the money and this may include filing a criminal case under the Negotiable Instruments Act.

2.If the payment of the whole of the statement closing balance is received by on or before the respective Payment Due Date, no finance charge will be payable on respective amount. However, all Cash Advances will attract a finance charge at the prevailing rate from the date of withdrawal until the entire outstandings (including Cash Advance) are cleared in full and payment is posted to the Credit card account.

3.If you wish to have the extended credit facility and pay an amount less than the statement closing balance, the entire outstandings from the date of the statement will attract a finance charge. All new transactions will also attract a finance charge from the date of posting into the account at the prevailing rate once the account uses the extended credit facility. This charge will be debited on the last day of the billing cycle and will be applied on daily balances.

While settling your Credit card dues avoid depositing post-dated cheques.

4. If the minimum amount due is not paid by the payment due date, a late payment fee will be debited to the Credit card account on the last day of the billing cycle. The Bank also reserves the right to levy penal finance charges at a rate higher than the normal rate, in case minimum dues are not paid before the payment due date.

5. In case you wish to dispute any charge indicated in the Statement, please advise details to within 30 days of the statement date. After the lapse of 30 days, it will be construed that all charges are acceptable and in order. However, in exceptional circumstances may at its discretion accept any dispute on charges older than 30 days.

Duplicate statements will only be provided for up to the last six months on your request and payment of the fee as per the tariff sheet.

6. Bank of Rajasthan, has the sole discretion to appoint agents for recovery of outstanding or initiate any other actions allowed by law for recovery of all monies owed to without any specific communication in this regard.

Fees

1. The joining  / annual fees will be debited to your Credit card account on approval/renewal at “the Bank’s” prevailing rate. These fees are not refundable.

All cash advances attract a fee at the prevailing rate. The charges will be debited to the Credit card account at the time of posting of the Cash advance. Cash Advances will also be subject to finance charges calculated on daily balances from the date of withdrawal. The finance charges will be debited to the Credit card account on the last day of the billing cycle.

2. Disclosure of information

1. When requested by , you shall provide any information, records or certificates relating to any matters that the Bank deems necessary. You will also authorize to verify the information furnished by whatever means or from whichever source deems necessary. If the data is not provided or incorrect data is provided, , at its discretion, may refuse renewal of the Credit card or cancel the Credit card forthwith and demand payment of all outstanding on the Credit card account.

2. You expressly recognize and accept that shall be absolutely entitled and have full power and authority to sell, transfer or assign any or all outstanding and dues on your Credit card account to any Third Party of the Bank's choice and written intimation by the Bank to you of any such action shall bind you to accept any such Third Party as the Creditor and to pay over such outstanding and dues to the Third Party relieving you of any such obligation to the Bank. Any costs in this regard shall be debited to your Credit card account.

3. If the minimum payment due payable does not get paid by you, your name may be liable for inclusion in the defaulter databases to be shared with other lenders and credit rating agencies. The right to do so lies with the Bank.

4. The Bank reserves the right to disclose customer information to any court of competent jurisdiction, quasi judicial authorities, law enforcement agencies and any other wing of Central Government or State Government.

5.The existence of this account and details of any default that may occur will be recorded with a credit reference agency and may be shared with other lenders and/or Credit card issuing entities for the purposes of assessing further applications for credit by you and members o