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Keep in mind, that this is not your right, and bank would roll back the fee as a gracious gesture.
So, don't make use of the trick, too often, or they might not entertain such a request on repetitive basis.
All you have to do is make a call to the banks' costumer service center and ask the voice on the other side, for late payment fee roll back, as a "one time goodwill gesture".
Banks' customer service representatives have authority to offer this goodwill gesture. You will be surprised to know how often this works.
After all, who wouldn't mind saving 700 odd rupees with a two minute phone call.
In fact, several cards had zero interest, while others were at 2.9 percent or 4.9 percent.
In short, I wasn't bothered at all by my interest rates, because they were very manageable.
If it worked, we wouldn't have millions of individuals and families who are following this advice still deep in debt.