Free Calculator

Credit Card Late Fee Calculator

Find out the exact late payment fee your bank will charge — and your chances of getting it waived.

Calculate Your Late Payment Fee

Select your bank and enter your outstanding balance

Your Bank

Total Outstanding Balance (₹)

₹

The total amount on your credit card statement

Is This Your First Late Payment?

Days Past Due Date

Your Late Fee Estimate

Late Payment Fee

₹0

Based on your bank's current fee schedule

₹0

Finance charges (1 month)

₹0

Total extra cost

Waiver probability

💡 Good news — you can likely get this waived

See How to Get It Reversed →

Late Payment Fees by Bank — 2025

Indian banks use a sliding scale — the higher your outstanding balance, the higher your late fee. Here's the complete fee schedule for all major banks:

Bank	Balance ≤ ₹500	₹501–₹10,000	₹10,001–₹25,000	Above ₹25,000
HDFC Bank	₹0	₹500	₹750	₹1,300
ICICI Bank	₹100	₹500	₹750	₹1,200
SBI Card	₹0	₹400	₹750	₹950
Axis Bank	₹100	₹500	₹600	₹1,000
Kotak Bank	₹100	₹500	₹750	₹1,000
IndusInd Bank	₹100	₹500	₹600	₹900

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When Can You Get a Late Fee Waived?

Despite what banks imply, late fee waivers are common — especially for:

First-time offenders: If you have never missed a payment before, most banks have a standing "goodwill waiver" policy. Simply calling customer care is often enough.
Long-standing customers: If you have held the card for 3+ years, banks value the relationship and are more likely to waive.
Payment timing disputes: If you paid before midnight on the due date but it was processed the next day due to bank delays, you have a strong technical case.
Bank system downtime: If the bank's portal was down on the due date, they cannot enforce the fee.
No payment reminder sent: RBI requires banks to send reminders before the due date. If you received none, cite this when disputing.