master card banwane k liye kitne paise lagte hain ???

master card banwane k liye kitne paise lagte hain ??? aur hum kahan se isse banwa sakte hain plz tell me friends:rolleyes::rolleyes:

master card banwane k liye kitne paise lagte hain ???




**Mastercard Banwane Ka Kharcha**
Mastercard banwane ka kharcha mukhtalif factors par depend karta hai, jaise ke aapki location, bank ya financial institution ki policies, aur card ke features. Yahan kuch common factors hain jo Mastercard banwane ka kharcha influence karte hain:

1. **Annual Fees (Saalana Raqam):**
Aksar banks Mastercard ke liye saalana fees charge karte hain. Yeh fees card ke type aur offers par depend karti hai. Kuch cards mein annual fees nahi hoti jabke kuch premium cards mein fees zyada hoti hai.

2. **Issuance Fees (Jaari Karne Ki Raqam):**
Kuch banks card jaari karne ki fees bhi charge karte hain. Yeh ek one-time payment hoti hai jo card ko issue karne ke liye lagti hai.

3. **Minimum Balance (Kam Azmi Munafa):**
Kuch banks Mastercard ke liye minimum account balance ya monthly munafa ka shart rakhte hain. Agar aapke account mein yeh shart puri nahi hoti, toh card issue karne ka kharcha zyada ho sakta hai.

4. **Rewards aur Benefits (Inaam aur Faiday):**
Kuch premium Mastercard mein extra rewards aur benefits hote hain jaise ke travel points, cashback offers, aur exclusive discounts. In cards ka annual fees aur issuance fees zyada hota hai.

5. **Customization Charges (Customization Ki Raqam):**
Agar aap apne Mastercard ko customize karwana chahte hain, jaise ke apna photo ya design add karna, toh iske liye extra charges lag sakte hain.

6. **Currency Conversion Fees (Currency Tabadla Ki Raqam):**
Agar aap international transactions karte hain, toh currency conversion fees bhi lag sakti hai. Yeh fees transaction ki amount aur currency exchange rates par depend karti hai.

Yeh sab factors mila kar Mastercard banwane ka kharcha tay hota hai. Isliye, agar aap Mastercard banwane ki soch rahe hain, toh apni bank ya financial institution se sab details aur charges ko confirm karna zaroori hai.

MasterCard banwane ka process aur uske costs bank se bank mein farq kar sakte hain. Neeche kuch general points diye gaye hain jo aapko MasterCard banwane ke estimated costs aur process ke bare mein guide karenge:
### MasterCard Banwane Ke Liye Costs:

1. **Account Opening Charges:**
- **Initial Deposit:** MasterCard ke liye aapko pehle apne bank mein account open karna padta hai. Account opening ke liye bank aapse initial deposit maang sakta hai, jo ke Rs. 1000 se Rs. 5000 tak ho sakta hai, depending on the bank.

2. **Annual Fee:**
- **Yearly Maintenance:** MasterCard banwane ke baad, bank aapse annual fee charge karta hai. Yeh fee usually Rs. 500 se Rs. 3000 tak ho sakti hai, depending on the type of card (Standard, Gold, Platinum, etc.).

3. **Card Issuance Fee:**
- **One-Time Fee:** Kuch banks card issuance ke waqt ek one-time fee charge karte hain, jo ke Rs. 500 se Rs. 1500 tak ho sakti hai. Yeh fee aapke card ki type aur bank ke policies par depend karti hai.

4. **Service Charges:**
- **Transaction Fees:** Jab aap apni MasterCard se ATM withdrawal ya purchases karte hain, to bank aapse transaction fees charge kar sakta hai. ATM withdrawal charges domestic transactions ke liye Rs. 15 to Rs. 30 per transaction ho sakte hain.
- **Foreign Transaction Fees:** Agar aap international transactions karte hain, to bank aapse foreign transaction fee bhi charge kar sakta hai, jo usually 2-3% hoti hai transaction amount ka.

5. **Replacement Fee:**
- **Lost/Stolen Card:** Agar aapka card gum ho jaye ya chori ho jaye, to us case mein new card issuance ke liye bank replacement fee charge karta hai. Yeh fee Rs. 300 se Rs. 1000 tak ho sakti hai.

6. **Optional Charges:**
- **SMS Alerts:** Agar aap SMS alerts ya email notifications ko activate karte hain, to kuch banks is service ke liye monthly charges lete hain, jo ke Rs. 50 to Rs. 100 tak ho sakte hain.
- **Insurance:** Kuch MasterCards ke sath insurance coverage bhi diya jata hai, jiski separate cost hoti hai. Yeh optional hota hai aur iski fee aapke card type aur policy par depend karti hai.

7. **Interest Rates (Credit Cards):**
- **Credit Card Specific Charges:** Agar aapka MasterCard ek credit card hai, to us case mein agar aap apne dues timely clear nahi karte to aapko interest charge hota hai, jo ke 2-3% per month tak ho sakta hai.

8. **Additional Benefits aur Offers:**
- **Reward Points:** Kuch banks reward points offer karte hain jo aapke spending par depend karte hain. In rewards ka kuch additional cost nahi hota lekin yeh aapki spending habits se linked hote hain.
- **Promotional Offers:** Bank time-to-time promotional offers bhi dete hain jaise ke travel discounts, dining offers, etc. Yeh offers free hote hain lekin unka faida uthana aapke card usage par depend karta hai.

9. **Documentation Fees:**
- **Documentation Charges:** Bank aapse MasterCard banwane ke liye documentation charges bhi le sakta hai, lekin yeh charges usually minimal hote hain ya phir bilkul nahi hote.

10. **Online Application vs Branch Application:**
- **Online Application:** Kuch banks online application ke through apply karne par reduced charges offer karte hain, ya kuch cases mein bilkul free card issuance hota hai.
- **Branch Application:** Agar aap directly branch se apply karte hain to wahan aapko standard charges pay karne padte hain.

### Conclusion:
- MasterCard banwane ke costs aur charges bank to bank vary karte hain aur yeh aapke card type (Debit, Credit, Gold, Platinum, etc.) par bhi depend karta hai.
- General costs mein account opening fee, annual fee, card issuance fee, aur transaction charges shamil hain. Iske ilawa, optional services jaise SMS alerts ya insurance ke bhi additional charges ho sakte hain.
- Har bank ke apne specific charges hote hain, is liye best practice yeh hai ke aap apne bank se directly contact karein taake exact charges ke bare mein pata chal sake aur kisi bhi hidden fee ke bare mein information le sakein.