7. Charges

a) The following charges are payable in respect of the use of the Card and shall be debited by the Bank to the Card Account as follows:

• A one-off joining fees on issuance of the Card.
• An annual subscription fees on issuance of the card and on every subsequent annual renewal date.
• A cash advance charge on the amount of any cash advance debited to the Card Account.
• A card replacement fees in case a card is lost or damaged.

b) The Bank will inform the Card Holder of the applicable joining fees, annual subscription fees, cash advance charge, card replacement fees as described above, at the time of issuance of the Card. Subsequently, the Bank reserves the right to revise (including waiving or addition of any other charges) any of the above at anytime without prior notice. Any such change will be informed by the Bank to the Card Holder on the statement or such other means as the Bank shall find appropriate and in providing such information it shall be enough for the Bank to produce a copy of the statement containing such information or the means by which the change was informed.