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TERMS & CONDITIONS

MOST IMPORTANT
CREDIT CARD
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MOST IMPORTANT TERMS & CONDITIONS
a)Fees and Charges
Description of
Charges
ING Solaris
Credit Card
ING Galaxia
Credit Card
Joining Fee `500 `1,500
Annual Fee Nil
Add-on Card Fee Nil
Renewal Fee Nil
Interest Free
Credit Period
Up to 50 days
Minimum Amount
Due (MAD)
5% of total amount due (TAD)or such
other amount as may be determined
by ING Vysya Bank at its sole
discretion. EMI amounts are added in
full to MAD. Minimum `200
Finance &
Overdue Charges
on Revolving
Credit & Cash
Advances
2.95 % Monthly
35.40% Annually
Cash Advance
Charges
2.50% of amount withdrawn or `300
whichever is higher
Late Payment
Charges
`500
Over-limit
Charges
2.50% of over-limit amount subject to
a minimum of `700
Payment return
Charges
2.00% of Payment amount subject to
minimum of `350
Fuel Surcharge 2.50% or `10 whichever is higher as
levied by the acquiring bank. Waived
for customers with a minimum
transaction value of `400 and up to
a maximum cumulative transaction
value of `2500 in a billing cycle
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Description of
Charges
ING Solaris
Credit Card
ING Galaxia
Credit Card
Railway
Surcharge
1.80% of transaction value for
Internet transactions and 2.50%
for other bookings. Cost of railway
tickets will be recovered along with
charges and taxes levied if any by
the acquiring bank on actuals.
Card
Replacement Fee
`200
Transaction
Dispute
Processing Fee
As per applicable MasterCard
charges if the transaction dispute is
not in cardholders favour.
Foreign Currency
Transaction Fee
3.50% markup over and above the
currency conversion rate
Service Tax,
Education Cess
& Other statutory
levies
As applicable from time to time
Applicable on all Fees, Interest and
other Charges
Duplicate
Statement
(Beyond 3
Months)
`100
Pin Replacement
Fee
`100
MasterCard
Global Services
As per applicable MasterCard rates
to be intimated to the cardholder
when any service is requested for.
EMI Processing Fee: 1.50% Interest
Charges per month: 1.50%
Foreclosure Fee: 1.5% Tenures
options: 3, 6, 9, 12 months Minimum
transaction amount to convert for
EMI: `5,000
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I. Annual, Joining & Add-on fees:
The annual, joining or add-on fees may vary for each
Card Holder, and from offer to offer. The same is
communicated to the Card Holder at the time of applying
for the Credit Card. The above fees as applicable are
billed to the Card account and are stated in the Card
statement of the month in which it is charged.
II. Cash Advance Fees
The Card Holder can use the Card to access cash in an
emergency from ATMs in India or abroad. A transaction
fee of 2.5% (Minimum `300) would be levied on the
amount withdrawn and would be billed to the Card
Holder in the next statement. The transaction fee is
subject to change at the discretion of ING Vysya Bank.
All cash advances also carry a fnance charge equal to
charges on revolving credit (please refer schedule of
charges) from the date of withdrawal until the date of
full payment. The fnance charge is subject to change at
the discretion of ING Vysya Bank. Use of other Banks
ATMs may attract extra charges levied by them and to
be paid by the Cardholder.
III. Charges
Charges and fees, as may be applicable from time to
time, are payable by Card Holder for specifc services
provided by ING Vysya Bank to the Card Holder or for
defaults committed by the Card Holder with reference
to his Card account. ING Vysya Bank retains the right
to alter any charges or fees from time to time or to
introduce any new charges or fees, as it may deem
appropriate, with due intimation to customer. Please
check our website www.ingvysyabank.com to know of
the latest schedule of charges.
Over-Limit Fee: Bank may approve certain transactions
attempted by the Card Holder which can breach the
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credit limit, as a service gesture. Please note that if the
outstanding amount exceeds the credit limit, an over-
limit fee of 2.50% of the over-limit amount (subject to a
minimum of `700) will be levied. Over-limit status may
also happen because of fees or interest charges levied
to the card account.
Charges for transaction in foreign currency: If a
transaction is made in a currency other than Indian
Rupees, that transaction will be converted into Indian
Rupees. The conversion will take place on the date
the transaction is settled with ING Vysya Bank, which
may not be the same date on which the transaction
was made. If the transaction is not in US Dollars,
the conversion will be made through US Dollars, by
converting the charged amount into US Dollars and then
by converting the US Dollar amount into Indian Rupees.
Unless a specifc rate is required by applicable law, the
conversion rate from US Dollar to Indian Rupees will be
at the rates provided by VISA, MasterCard or AMEX, as
the case may be, on the settlement date, increased by
fees as applicable for a Foreign Currency Transaction.
IV. Interest Free Period
The interest free credit period could range from 20 to 50
days subject to the scheme applicable on the specifc
credit Card (please refer to the Schedule of Charges)
and the submission of claims by the merchant. However,
this is not applicable if the previous months balance has
not been cleared in full or if the Card Holder has availed
of cash from ATM. Also this may vary as the payment
due dates will be fxed for customer convenience and
hence depending on the number of days in a particular
month the interest free credit period could vary.
Illustrative Example for calculation of Interest Free
Period: Suppose the ING Vysya Bank Credit Card has
an interest-free Credit Period of up to 50 days. This
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means that a customer who has a billing date of 15th
April can spend on his Card from 16th March to 15th
April, his bill will be generated on 15th April end of day
for all settled transactions and his Payment Due Date
will be 4th May. Hence a purchase made on 15th April
will have a credit period of 20 days, while a purchase
made on 16th March will have a credit period of 50 days.
This period will be free of interest only if all previous
dues are paid in full and there is no unpaid balance
carried over from previous months Limits.
V. Finance Charges
Finance charges are payable at the monthly percentage
rate on all transactions from the date of transaction in
the event of the Card Holder chooses not to pay his
balance in full, and on all cash advances taken by the
Card Holder, till they are paid back. Finance charges,
if payable, are subject to levy of Service Taxes and are
debited to the Card Holders account till the outstanding
on the Card is paid in full.
- Finance charges on cash advances are applicable
from the date of transaction until the payment is
made in full.
- When the customer carries forward any outstanding
amount or avails of Cash Advance, a fnance charge
calculated by average Daily Balance Method, will
apply to balances carried forward and to fresh
billings.
- If a Cardholder avails of the revolving credit
facility of the ING Vysya Bank Credit Card and
hence chooses to pay an amount less than the
total amount due refected in the monthly billing
statement, the entire outstanding amount would
attract fnance charges and all new transactions
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will also attract fnance charges till such time as the
previous outstanding amounts are repaid in full.
- Late Payment charges will be applicable if Minimum
Amount Due is not paid by the payment due date,
Clear funds need to be credited to ING Vysya Bank
Card account on or before the payment due date,
to avoid Late Payment Charges.
- Over limit charges are applicable on total
outstanding exceeding the Credit Limit at the rate of
2.50% of the over limit amount subject to minimum
of `700.
The following illustration will indicate the method of
calculating interest charges:
In the table given below, it has been assumed that the Total
Amount Due of the previous month statement has been
paid by the payment due date and there is no outstanding
amount. The statement date is 15th of every month and grace
days for payment being 18 days. Given these assumptions,
interest will be calculated as below:
Transaction
Purchase April 10, 2009 ` 4,000
Total Amount Due April 15, 2009 ` 4,000
Minimum Amount Due April 15, 2009 ` 100
Payment due date May 03, 2009
Purchase May 07, 2009 ` 800
Payment May 10, 2009 ` 3,500
On statement dated May 15, 2009, following interest
charges will be levied:
Calculation logic: (Amount * Interest Rate Per Annum)
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* (Number of Days Credit utilized / Total Number of
days in the year)
Interest calculations @ 35.40% per annum for Galaxia
Card
a) Interest on `4000 for 30 days
(from April 10 to May 09) = ` 116.38
b) Interest on `500 for 6 days
(from May 10 to May 15) = ` 2.91
c) Interest on `800 for 9 days
(from May 07 to May 15) = ` 6.98
Total interest charged in the
statement dated 15th May = ` 126.27
NOTE: If you spend `1000 and you pay back exactly the
minimum amount due every month, then it may result
in repayment stretching over 6 years with consequent
interest payment on the outstanding amount. Therefore,
you should, whenever your cash fow allows pay back
substantially more than your minimum due. This will
also help open up your spending limit & improve your
credit rating.
b) Drawal Limits
ING Vysya Bank at its sole discretion will determine
the Card Holders credit limit and cash withdrawal limit.
(Add-on Card Holders share the same limit). These
limits are communicated to the Card Holder at the
time of Card delivery and in the monthly statements.
The available credit limit at the time of the statement
generation is provided as a part of the monthly
statement. ING Vysya Bank will review the Card Holder
account periodically, and it can increase or decrease
the Card Holder credit limit based on its internal criteria.
Card Holder seeking to have their credit limit increased
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can do so by writing to the Bank and providing fnancial
documents declaring their income. The Bank, at its sole
discretion and based on such new documents provided,
may increase the Credit Limit of the Card Holder.
c) Billing
I. Periodicity
ING Vysya Bank will send the Card Holder a monthly
statement showing the payments credited and the
transactions debited to the Card Holders Account
since the last statement. The billing & payment dates
will be on a fxed date every month and the exact
date applicable will be communicated to the customer
through the welcome letter.
II. Mode of Sending
The Bank will mail a statement of transactions in the
Card account every month on a predetermined date,
to the mailing address on record with the bank or to
the registered e-mail id for sending e-Statements. No
statement will be issued if the balance outstanding is
NIL and there has been no transaction conducted on
the Card.
III. Minimum amount payable
ING Vysya Bank Credit Cards offer the Card Holder the
facility of revolving credit. The Card Holder may choose
to pay only the Minimum Amount Due printed on the
statement. The balance outstanding can be carried
forward to subsequent statements. The Card Holder
can also choose to pay the Total Amount Due or any part
of the amount above or equal to the Minimum Amount
Due. Clear funds need to be credited to ING Vysya
Bank Card account on or before payment due date to
avoid Late Payment Charges & interest charges. Card
Holders are advised to drop local cheques atleast 3-5
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working days in advance of the Payment due date to
ensure payment refects on the Card account within the
Payment due date. Any unpaid Minimum Amount Due
of the previous statements & EMIs will be added to the
Card Holders current Minimum Amount due in addition
to the outstanding exceeding the Card Holders Credit
Limit. Payments made towards the Card outstanding
reversals or credit entries are acknowledged in
subsequent statements. Payments received against
the Card Holders Card outstanding, will be adjusted
against all taxes, interest & other charges, fees, EMI,
cash advances and purchases & PLCC in that order.
IV. Method of Payment
Payments towards the Card account may be made in
any of the following ways:
By dropping the payment instrument (Cheque or
draft) into any of the ING Vysya Bank Credit Card
drop boxes placed in the ING Vysya Bank branches.
The Cheque/Draft should be made payable to ING
Vysya Bank Card Number xxxx xxxx xxxx xxxx.
Please ensure that your write your mobile number
& CIF on the back of the cheque. Also kindly note
that we accept only local & at par cheques.
In case the Card Holder has an ING Vysya Bank
account, he can opt for a auto debit Instruction
facility, where funds can be automatically transferred
from the Card Holders ING Vysya Bank account to
the Card Holders Card account on due date. The
Card Holders can choose to pay the Total Amount
Due or the Minimum Amount Due as per their
convenience.
In case the Card Holder has a ING Vysya Bank
account, he can make the Payment as per his
convenience through Retail Internet Banking.
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NEFT Payments can be made by entering IFSC:
VYSA00CCARD & credit card number towards
which the payment is being made.
The following will be the time taken for crediting the
payments received against the cardholders card
account:
Mode of Payment Time Taken (In Days)
Cheque Payment 3 5
NEFT, Retail Internet
Banking, Auto Debit
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V. Billing Disputes resolution
All the contents of the statement will be deemed to
be correct and accepted if the Card Holder does not
inform ING Vysya Bank of the discrepancies within
60 days of the Statement Date in writing. On receipt
of such information, ING Vysya Bank may reverse the
charge on temporary basis pending investigation. If on
completion of subsequent investigations, the liability of
such charges is to the Card Holders account, the charge
will be reinstated in a subsequent statement along with
the applicable charges related to the process.
VI. Contact Particulars:
The Card Holder can contact ING Vysya Bank Credit
Cards for making any enquiries through:
1800 425 18888 (Toll Free)
+91 22 4042 6024
Rewards Helpline: 1800 419 6888
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VII. Grievance redressal & escalation
The following matrix allows the customer to raise
complaints and escalate the complaint if the
complaint is not addressed adequately.
1. First Level of escalation:
Call us at: 1800 425 18888 (Toll free) or
+91 22 4042 6024
Write to us at:
creditcardcomplaints@ingvysyabank.com
Response: Within 7 Days from receipt of the complaint
2. Second Level of escalation:
Write to us at ccu@ingvysyabank.com
Log your request on our website at
http://www.ingvysyabank.com
Response: Within 7 Days from receipt of the complaint
3. Third Level of escalation:
Ms. Srividhya Shankar, Nodal Offcer,
ING Vysya Bank Ltd, ING Vysya House, 22 MG Road,
Bangalore 560001
Email: nodaloffcer@ingvysyabank.com
Contact No: 080 - 2500 5000
Response: Within 7 Days from receipt of the complaint
4. Final Level of escalation:
The details of the Banking Ombudsman Scheme
as well as the contact details of the Ombudsman for
your City or State is available on http://www.rbi.org.in
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ING Vysya Bank Credit Cards Internal
Escalation Flow:
Team Day
Cross Sell Manager Credit Cards 1
Product Manager Credit Cards 2
Product Head Credit Cards 3
Business Head Credit Cards 4
Country Head Retail Assets 5
Day 0 being the date on which customer compliant is
received by ING Vysya Bank. The time does not include
time spent waiting for information from the customer
VIII. Complete postal address
ING Vysya Bank Limited, ING Vysya House, 22 M.G
Road, Bangalore 560001, Karnataka, India
d) Default
The total Outstanding on the Card account, together
with the amount of any charges affected but not yet
charged to the Card Account will become immediately
due and payable in full to ING Vysya Bank on the
occurrence of any of the following events which shall
be deemed as an event of default:-
- The cardholder fails to pay the amount due to the
Bank within the stipulated period.
- Cardholder becomes insolvent or there is any
material adverse change in the fnancial condition
of the cardholder which in banks opinion affects
the interest of the bank
- Death of cardholder or total permanent disability
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- Any Court grants a garnishee order
- Any representation made by the card holder
proves to be incorrect, misleading, false or
incomplete including but not limited to income
and /or identifcation paper/document forwarded
to the bank, being proved incorrect, incomplete
and or contain false /fraudulent information.
- Cardholder generally does or omits to do anything
which may prejudice Banks right in terms of
credit card terms & conditions or cause bank to
suffer any loss/ damage
- Any payment Instruments including cheques
and / or ECS/ Standing instructions delivered to
the Bank are not encashed / acted upon for any
reason what so ever on presentation being made.
- If cardholder is involved in or charged in criminal
activities
- In case of default in performance of any obligations
under terms of any other loans / facilities provided
by ING Vysya bank
In the event of default, the Card Holder will be sent
reminders from time to time for settlement of any
outstanding on the Card account, by post, fax,
telephone, e-mail, SMS messaging and/or engaging
third parties to remind, follow up and collect dues. Any
third party so appointed, shall adhere fully to the code
of conduct on debt collection. All the charges incurred in
respect of the above will be charged to the Cardholders
account and are to be borne by him.
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I. Procedure including notice period for
reporting a cardholder as defaulter:
ING Vysya Bank will on a monthly basis share data on
cardholders payment behavior to Credit Bureaus, the
cardholder will be treated as a defaulter from the date
the customer has missed making a payment for which
demand has been made by the bank with suffcient
notice for making the payment.
II. Procedure for withdrawal of default
report and the period within which it would
be withdrawn after settlement of dues
ING Vysya Bank on receipt of payment or settlement of
dues by the customer will update the status of payment
with Credit Bureaus in the monthly cycle of sharing/
updation of data with Credit Bureaus. The track of the
customer will continue to show the default in Credit
Bureaus as per their standard operating procedures,
however the payment due will refect as per the
settlement/payment received from the customer/
cardholder.
III. Recovery procedure in case of default
The bank will contact the customer directly and through
empanelled collection agencies for recovery of the dues
from the cardholder. The bank will also in parallel initiate
legal proceedings against such default depending on
the stage and intensity of the default by the cardholder.
The bank may also mark lien against any credits the
customer holds with the bank under any other facility
with due notice to the cardholder.
IV. Recovery of dues in case of death/
permanent incapacitance of cardholder
The death or in-capacitance of a Card Holder, insolvency/
dissolution / bankruptcy / or winding up of a Corporate
Body of a Card Holder shall automatically cancel the
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Card issued to the Card Holder as well as any Add-on
Card Holder. The Card Account would also be liable to
be suspended on instructions from any government /
regulatory body. All amounts outstanding on the Card
Account shall we deemed to have immediately become
due on death or in-capacitance, insolvency, bankruptcy,
winding up or instruction from government / regulatory
bodies, as the case may be, and Bank shall be entitled
to recover the same in accordance with the relevant
laws in force without prejudice to the obligation of the
Card Holder to forth with pay all outstanding amounts.
The bank will contact the customer or kith and kin of the
customer directly and through empanelled collection
agencies for recovery of the dues from the cardholder.
The bank will also in parallel initiate legal proceedings
against such default depending on the stage and
intensity of the default by the cardholder. The bank may
also mark lien against any credits the customer holds
with the bank under any other facility with due notice to
the cardholder.
V. Available insurance cover for card holder
and date of activation of policy
ING Vysya Bank does not offer any free Insurance
cover to the cardholder, the cardholder is free to opt
for any insurance cover from any insurance service
provider as per his individual needs/requirements.
VI. Right of Lien
The bank, at any time and without notice, will have
lien and right to set-off on all monies belonging to the
Card Holder and/or add on Card Holder standing to
their credit in any account/custody of the bank, if upon
demand by the bank, the balance amount on the Card
account is not repaid within the prescribed time.
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e) Termination/Revocation of the Card
Membership
The Card Holder may terminate the Card membership
at any time by writing to ING Vysya Bank at the following
address: Manager, ING Vysya Bank Credit Cards, ING
Vysya Bank Limited, Credit Card Operations, No. 69,
Ramaiah Complex, Roopena Agrahara, Hosur Road,
Bangalore 560068 along with the confrmation of
destruction of the Card. All the Cards including the add-
on cards will be terminated basis the written request.
Termination will be effective only after the Cardholder
destroys the Card completely and in such a manner that
the same cannot be reused and the destruction of the
Card is confrmed to the Bank in writing and payment
of all amounts outstanding to the Card account. The
Cardholder shall continue to be liable for all the dues
incurred in respect of the transactions in the Card till such
termination and also for misuse of the Card at a later
date due to non-destruction or incomplete destruction
of the Card. No annual, joining or renewal fees shall be
refunded on a pro-rata basis. In case the Bank notices
unusual and abnormal transaction patterns in the use
of the Card, the Bank will try to establish contact with
the customer/ Cardholder on the registered phone
number of the customer available on its records to
verify the bonafdeness of the Card transaction. Failure
on the part of the Bank to establish contact with the
customer, the Bank may restrict / terminate the use
of the Card without any further notice, if the Bank
reasonably believes it necessary in the interest of the
Cardholder and / or for security reasons. ING Vysya
Bank can suspend the facility on the Credit Card, if the
Card Holder defaults on payment due or exceeds the
credit limit extended. The Credit Card must not be used
after the validity of the Credit Card terms & conditions
has ended or if the Card account is suspended.
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In such a situation, the Card Holder must (subject to any
default or other notice required by law) immediately pay
ING Vysya Bank the total outstanding Balance on the
Account. This includes all amounts due to ING Vysya
Bank under the Agreement, including all transactions and
otheramounts not yet charged to the Account. The Card
will not be considered as closed until the Card Holder has
paid all such due amounts.
f) Loss/theft/misuse of Card
The Card Holder must notify the 24-Hour Call center
immediately if the Primary or any Additional credit card
is misplaced, lost, stolen, mutilated, not received when
due or if he/she suspects that the Credit Card is being
used without Card Holders permission. Once a Card is
reported lost, it should not, under any circumstance be
used if found by the Card Holder subsequently. As the
Add-On Card is an extended facility given on the primary
Card Account, the Add- On Card is rendered invalid when
the primary Card is reported lost. Similarly, if the Add-On
Card is reported lost, the primary Card Account and other
Add-on Cards are invalidated.
The Bank is not liable or responsible for any transactions
incurred on the Card account prior to time of reporting of
the loss of the Card, and the Card Holder will be wholly
liable for the same. After the receipt of proper notifcation
of the loss by the Bank, the Card Holders subsequent
liability is zero. In addition to notifying ING Vysya Bank
about the loss or theft of the Card, the Card Holder must
report any theft of Cards to the Police, lodge an FIR and
provide acknowledged copy of police complaint. The Card
Holder will be liable for all losses in case of misuse of the
Card by someone who obtained the PIN or the Card with
the consent of Card Holder or an Additional Card Holder.
If the Card Holder has acted fraudulently the Card Holder
will be liable for all losses. If the Card Holder acts without
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reasonable care, the Card Holder may be liable for all
losses incurred. ING Vysya Bank may, without referring
to the Card Holder or any additional Card Holder, give
the police or other relevant authorities any information
that ING Vysya Bank consider relevant about the loss,
theft or misuse of a Card or PIN.
g) Disclosure
The Card Holder acknowledges that as per existing
business practices, the Bank is authorised to disclose
from time to time any information relating to the
Credit Card(s), to any credit bureau (Existing or
Future) without any notice to the customer. The Credit
Information Bureau India Ltd. (CIBIL) is an initiative of
the Government of India and Reserve Bank of India to
improve the functionality and stability of the fnancial
system. All banks and fnancial institutions participating
in this initiative are required to share customer data
with CIBIL / credit bureaus and this information is
being provided in the terms of the Credit Information
Companies Regulation Act, 2005. In view of this
we wish to inform the Card Holder that the bank is
authorised to disclose any information relating to Credit
Card(s) default by the customer to CIBIL and to any
other credit bureau (Existing and Future) in case the
Card is overdue, with due notice. Any fresh/updation
of data on receipt of payments towards overdue Card
accounts will refect in CIBIL/other credit bureaus
within a period of 60 days from the date of receipt of
payment by the bank. We also wish to inform the Card
Holder that the bank will, at its own discretion, record
specifc conversations between the Card Holder and
the representative of the Bank, in cases of grievance
related conversation or payments-recovery-related
conversations or any other conversation, that the Bank
may deem ft. The Card Holder, hereby unconditionally
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and irrevocably authorizes ING Vysya Bank to disclose,
from time to time, any information relating to the card
including but not limited to personal details such as
name, address, mobile number, any default or payments
to credit information bureaus, government, income tax
department, fnancial institutions, associate/s of ING
Vysya Bank and to any third party engaged by ING
Vysya Bank for the purposes such as, administrative,
marketing, verifcation, recovery or follow up of card
dues etc.
The Bank may also use the information provided
by the Cardholder for marketing their products via
telemarketing channels / calls or direct mail or any other
channel of communication deemed ft by the Bank. The
Cardholder expressly recognizes and accepts that the
Bank shall, without prejudice to its right to perform such
activities itself or through its offcers or employees, be
entitled and have full power and authority to appoint
one or more third parties as the Bank may select and
to delegate to such third party all or any of its functions,
rights and powers under the Cardholder terms &
conditions relating to operations and administration
of the Credit Card including the right and authority
to collect and receive on behalf of the Bank from the
Cardholder any payments and other amounts due
from the Cardholder under the Cardholder terms and
conditions and to perform and execute all lawful acts,
deeds, matters and things connected therewith and
incidental thereto including sending notices, contacting
the Cardholder, receiving cash / cheques / drafts /
mandates from the Cardholder and giving valid and
effectual receipts and discharge to the Cardholder. For
the purpose aforesaid, the Bank shall be entitled to
disclose to such third parties all necessary or relevant
information pertaining to the Cardholder and the Credit
Card and the Cardholder hereby consents to such
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disclosure by the Bank. Notwithstanding the above,
in the event of any default by the Cardholder, the
Cardholder expressly accepts and authorizes the Bank
(and/or any such third party as the Bank may select) to
contact third parties (including the family members of
the Cardholder) and disclose all necessary or relevant
information pertaining to the Cardholder and the Credit
Card and the Cardholder hereby consents to such
disclosure by the Bank (and/or any such third party as
the Bank may select).
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Toll Free - 1800 425 18888. www.ingvysyabank.com