Od variance term in cc account

The rates of landing vary with RBI directives, and market rates as well, so you cannot do any thing there. Had your terms with the bank for overdraft on fixed rate of interest, it might have been even costlier, but would not have varied.

Thanks Sir,But what can we do now to negotiate with bank

Ask bank for conversion of rate of interest on fixed rate basis. Some banks provide both option, may be your bank may or may not have that product.

Thanks Sir