Features, Charges, and Limits

All your queries about Features, Charges, and Limits

What are the features/benefits of the NiyoX Account?
We have tied up with Utkarsh Small Finance Bank to provide you with a Savings Account with some great features. We offer two Debit Cards: 1. RuPay Inter...
Mon, 11 Mar, 2024 at 4:19 PM
What are the Interest Rates on the Savings Account?
Balance in ₹ Interest rate per year Balance Upto ₹ 1 Lakh 4.00% p.a. Incremental balance above₹ 1 Lakh upto ₹5 Lakhs 6.25% p.a. Increme...
Mon, 11 Mar, 2024 at 4:21 PM
Is there free airport lounge access available on the Debit Card?
Yes absolutely! The Rupay-Platinum Debit Card comes with one free Airport lounge access per quarter at Domestic Airports in India. Or you can also choos...
Mon, 11 Mar, 2024 at 4:22 PM
Is there free railway station lounge access available on the Debit Card?
Yes absolutely! The Rupay-Platinum Debit Card comes with one free railway station lounge access per quarter at railway stations in India. Or you can als...
Mon, 11 Mar, 2024 at 4:23 PM
What are the Debit Card Issuance and Annual fees?
  Debit Card Issuance fees (at the time of applying)   Rupay Classic Debit Card: Rs. 250 + GST  Rupay Platinum Debit Card: Rs. 300 + GST Importan...
Wed, 3 Apr, 2024 at 2:53 PM
What are the ATM withdrawal charges?
From Utkarsh Small Finance Bank Ltd.’s ATM: There are no charges and you can withdraw any number of times. From other Bank ATMs: You can withdraw upto 5...
Wed, 3 Apr, 2024 at 2:51 PM
What are the Fund Transfer (IMPS/NEFT) charges?
IMPS ₹1 - ₹1,000:  ₹2.50 + GST ₹1,000 - ₹25,000: ₹5.00 + GST ₹25,000 - ₹5,00,000: ₹15.00 + GST NEFT There are no charges associated with NEFT t...
Wed, 3 Apr, 2024 at 2:51 PM
Can I see the list of all charges (T&Cs) associated with this Account?
For a detailed list of other charges, you can click here to view the Bank's schedule of charges. T&C can be viewed here. Note: Charges may be s...
Wed, 3 Apr, 2024 at 2:56 PM
What are the transaction limits of this Account?
Debit Card Type Mode Limit Per Day Limit Per Transaction Limit Virtual Debit Card ECom (Online payments)  Rs. 1 Lakhs Rs. 25,000 ...
Mon, 11 Mar, 2024 at 4:27 PM
How does the virtual Debit Card work?
Our virtual Debit Card is designed for online and e-Commerce transactions, with a daily limit of Rs. 1 Lakh and a transaction limit of Rs. 25,000. It's ...
Mon, 11 Mar, 2024 at 4:34 PM