All major public and private banks in the country levy charges on customers for various uses of an ATM-cum-debit card. The customers are charged for transactions at ATMs over and above the mandated numbers of free transactions, as directed by Reserve Bank of India (RBI). The ATM charges apply depending on the type - whether it belongs to the same bank where the customer's account is located or some other bank - and nature of ATM - whether the ATM is located in a metropolitan or any other city in the country. On top of this, all the banks also charge an annual maintenance fee on possession of an ATM card.
Here's a comparison of various types of ATM charges levied by SBI, HDFC Bank, ICICI Bank and PNB:
State Bank of India (SBI)
Here are the various charges of SBI's ATM cards as stated on bank's website - sbi.co.in:
| Debit Card Issuance Charges | Normal (Classic/Global) | Nil |
| Gold Debit Card | 100/- (including tax) | |
| Platinum Debit Card | 306/- (including tax) | |
| Debit Card Annual Maintenance Charges (Recovered at the beginning of the second year onwards) | Classic Debit Card | 100/- plus tax |
| Silver/Global /Yuva /Gold Debit Card | 150/- plus tax | |
| Platinum Debit Card | 200/- plus tax | |
| Pride/Premium Business Debit Card | 300/- plus tax | |
| Debit Card Replacement Charges | Rs.204/- (including tax) | |
| Duplicate PIN/ Regeneration of PIN | Rs.51/- (including tax) | |
| Domestic Transaction Charges | Transactions at State Bank Group ATMs | Free |
| Other Bank ATMs - Up to 5 Transactions during a calendar month (for savings bank account only) | Free | |
| Other Bank ATMs – Beyond 5 transactions(in Savings account) AND other than savings account: | ||
| Financial Transaction: | 17/- (including tax) | |
| Non-Financial Transaction | 6/- (including tax) |
HDFC Bank
Here are the various charges of HDFC Bank's ATM cards as stated on bank's website - hdfcbank.com:
| ATM / DEBIT CARD RELATED CHARGES | |
|---|---|
| ATM card | No Charge |
| ATM card - Replacement charges | Replacement of a lost card - Rs 200 (plus taxes) |
| ATM card - Transaction charge - non HDFC Bank domestic ATMs | No Charge (effective 1st Dec 2014) |
| Debit Card - Annual Fee - Regular | Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14) |
| Debit Card - Renewal Fee - Regular | Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14) |
| Debit Card - Annual Fee - Platinum | Rs 750 per year (plus taxes) (w.e.f. 1st June'15) |
| Debit Card - Renewal Fee - Platinum | Rs 750 per year (plus taxes) (w.e.f. 1st June'15) |
| Debit Card - Replacement charges | Replacement/Reissuance Charges for Debit Cards - Rs. 200 plus applicable taxes |
| Add-on debit card - Regular | One add-on card - No Charge for the first year |
| Rs 150 per year (plus taxes) (w.e.f. 25th Dec'14) | |
| Debit Card - Transaction charge - HDFC Bank ATMs | No Charge |
| Debit Card - Transaction charge - non HDFC Bank domestic ATMs | First 5 Transactions Free across all Cities |
| Transactions over and above free limit will be charged as under: | |
| Cash withdrawal - Rs. 20 plus applicable taxes (W.e.f 1st Nov'17) | |
| Non-Financial Transaction - Rs. 8.5 plus applicable taxes (W.e.f 1st Nov'17) | |
| PIN regeneration charge | Rs 50 (plus taxes) |
| Number of Cash transactions | 4 free cash transactions per month |
| (Cumulative of Deposit and Withdrawal) | 5th transaction onwards - Rs.150/- per transaction plus applicable taxes (W.e.f 1st Nov'17) would be levied |
| Value of Cash transactions | Any HDFC Branch |
| (Cumulative of Deposit and Withdrawal) | 2 lakh - Free per month per account. |
| Above 2 lakh - Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- plus applicable taxes (W.e.f 1st Nov'17) | |
| Third party Cash transaction | Upto a limit of Rs.25,000/- per day - Rs.150/- plus applicable taxes (W.e.f 1st Nov'17) |
| (Cumulative of Deposit and Withdrawal) | Above Rs.25,000/- not allowed |
ICICI Bank
Here are the various charges of ICICI Bank's ATM cards as stated on bank's website - icicibank.com:
| Transaction type | Transaction charges |
|---|---|
| Joining Fee | Rs. 250 + GST as applicable |
| Annual Fee | Rs. 250 + GST as applicable |
| Lost card replacement | Rs. 199 + GST as applicable |
| Cash withdrawal from ICICI Bank ATM's | Free |
| Cash withdrawal from Non ICICI Bank ATM's | Rs. 20 per withdrawal + GST as applicable |
| Balance Inquiry from ICICI Bank ATM's | Free |
| Balance Inquiry from Non ICICI Bank ATM's | Rs. 8 per inquiry + GST as applicable |
Punjab National Bank
Here are the various charges of PNB's ATM cards as stated on bank's official website-pnbindia.in:
| Sr.No. | Particulars of Charges | Charges |
|---|---|---|
| 1 | Classic Card Issuance Charge | Nil |
| 2 | Platinum Card Issuance Charge | Rs. 300 |
| 3 | International Card Issuance Charge | Rs.200 |
| 4 | Business Card Issuance Charge | Rs. 200 |
| 5 | Prepaid Card Issuance Charge (However, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) | Rs. 20 |
| 6 | Issuance Charge on other Card types | Nil |
| 7 | Cost of International Debit Card ( Chip Based Debit Card) | Rs. 200 |
| 8 | Debit Card Annual Fee (from the second year onwards) | Rs.100/- + GST |
| 9 | Business Debit Card Annual Fees (from second year) | Rs.200 + GST |
| 10 | Charges for issuance of Add on Card | Rs. 100 |
| 11 | Charges for issuance of Duplicate Pin. However, in case the earlier PIN has not been used due to error in Printing, issue of Duplicate PIN shall be free) | Rs. 50 |
| 12 | Charges for Issuance of Duplicate ATM/Debit Card/Replacement of ATM/Debit Card | Rs. 200 |
| 13 | Mark Up Charges for each POSP transaction at Petrol Pumps, Restaurants and for Railway Bookings, etc. | @2.5% + GST subject to minimum of Rs. 10/- |
| (i)Mark up charges for each POSP/E-commerce transaction done by Rupay debit card holders at Petrol Pumps and for Railway bookings etc @2.5%+ GST subject to minimum of Rs. 10/- (w.e.f. 15.03.2014) | @2.5% + GST subject to minimum of Rs. 10/- | |
| ii) Mark up charges for each POSP/E-commerce transaction done by debit card holders at Restaurant – actual claimed by the acquirer Bank through RGCS. (w.e.f. 15.03.2014) | @2.5% + GST subject to minimum of Rs. 10/- | |
| 14 | ATM Access fee / charge for making international acquirer transactions at bank's ATMs (w.e.f. 14.07.2013) | Rs. 150/- per transaction |
India Post, which has a network of more than 1.5 lakh post offices across the country, also offers an ATM facility with its savings accounts.
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