On all fees, joining or annual. Along with an annual fee of, say, Rs 750, you pay an extra Rs 37.50.
On fees of cash advances and drafts. If you withdraw/make draft for Rs 10,000, you pay Rs 250 (at the rate of 2.5 per cent or more depending on your card type) as transaction fee, plus another Rs 12.50 as tax on the fee.
On your unpaid or revolved balance. If on a balance of Rs 10,000 you decide to pay Rs 5,000 and revolve the remaining Rs 5,000 to next month, you pay Rs 125 (at 2.5 per cent) plus Rs 6 as tax on the interest.
On late payment charges varying from Rs 75 to Rs 500