| |
| |  | | | Singaporeans/Singapore PRs | Foreigners | | | Citi Clear Platinum Visa Card | S$30,000 p.a. | S$60,000 p.a | | | Citi DIVIDEND WORLD MasterCard | S$30,000 p.a. | S$60,000 p.a. | | | Citi DIVIDEND Visa Signature Card | S$30,000 p.a. | S$60,000 p.a. | | | Citi M1 Platinum Visa Card | S$30,000 p.a. | S$60,000 p.a | | | Citibank Personal Business Gold Visa Card | S$30,000 p.a. | S$60,000 p.a | | | Citi Platinum Visa/MasterCard | S$30,000 p.a. | S$60,000 p.a | | | Citi SMRT Visa Platinum Card | S$30,000 p.a. | S$60,000 p.a | | | Citi TANGS Platinum Visa Card | S$30,000 p.a. | S$60,000 p.a | | | Citibank Paragon Platinum MasterCard | S$40,000 p.a | S$60,000 p.a | | | Citi PremierMiles Card | S$80,000 p.a | S$80,000 p.a | | | Citibank Ready Credit | S$30,000 p.a | S$60,000 p.a | | |  | | | | Additional Information Box for Credit Card & RC | | | | CREDIT LIMIT | The maximum aggregate credit limit offered by Citibank in respect of unsecured credit facilities granted to an individual whose annual income is not less than S$30,000 is (a) 4x the individual's monthly income; or (b) such higher multiplier of the individual's monthly income as may be permitted under law. Where the individual has both Citibank Ready Credit and Credit Card accounts, Citibank will in its absolute discretion assign the credit limit for each account. Citibank will in its absolute discretion, determine the credit limit based on income information provided and its credit and risk management policies | Over Limit Fee
(Not applicable to
Citibank Personal
Business Gold Visa Card) | If the current balance exceeds your limit, an over limit fee of $40 shall be charged | | CITIBANK CREDIT CARD | | Repayment Grace Period | 25 days from the date of statement of accounts | | Interest Charges | The effective interest rate applicable will be:
a) the prevailing product interest rate of 2% per month (24% per annum); or
b) a promotional rate of 1.5% per month (18% per annum) which may be extended based on the good conduct of your account. Notwithstanding the above, Citibank reserves the right to cancel/vary this promotional rate at any time( including if your account becomes delinquent); or
c) an interest rate of 2.25% per month (27% per annum) in the event your account is twice or more past due 1 within the last six months. Citibank reserves the right to apply this interest rate. Your interest rate will revert to the prevailing product interest rate, as soon as your account is no longer twice or more past due within the last six months.
Minimum interest charge - S$3
| | Cash Advance Charges | S$15 or 5% of amount drawn, whichever is higher | | Late Fees | a) a fixed charge of S$50; and
b) a late payment interest charge computed in a manner similar to interest charges at a rate of 0.1875%, 0.25% or 0.28125% per month2 based on an effective interest rate of 18%, 24% or 27% per annum respectively, as applicable on your account. The late payment interest charge will be shown in the monthly statement of account as part of the interest charge.
| | Minimum Payment | 1% of the current balance, plus the interest charges ( including interest/service charges for any recurring/instalment payments), plus late payment charge or S$50 whichever is greater, plus any overdue amount in excess of the combined credit limit (if applicable) | | CITI SMRT VISA PLATINUM CARD | | Replacement Card Fee | S$10 | | Ez-Link Facility | a) Minimum Top-up value upon activation of ez-link Facility - S$10
b) Auto Top-up Convenience Fee - S$0.25 per auto Top-up transaction
c) ez-link Facility Travel Deposit Amount - S$3
d) Default Auto Credit Card Top-Up Value - S$30
| | CITIBANK PERSONAL BUSINESS VISA GOLD CARD | | Late Fees | a) a fixed charge of S$40; and
b) a late payment interest charge computed in a manner similar to interest charges at a rate of 0.1875%, 0.25% or 0.28125% per month2 based on an effective interest rate of 18%, 24% or 27% per annum respectively, as applicable on your account. The late payment interest charge will be shown in the monthly statement of account as part of the interest charge. | | CITI CLEAR VISA CARD | | Interest Charges | Applied rate -2.34% per month
Effective interest rate - 28% per month
Mininum interest charge - S$3 | | Minimum Payment Due | 1% of the current balance, plus the interest charges ( including interest/service charges for any recurring/instalment payments), plus late payment charge of S$25 whichever is greater, plus any overdue amount in excess of the combined credit limit (if applicable) | | Late Fees | a) fixed charge of S$40; and
b) late payment interest charge computed in a manner similar to interest charges at a rate of 0.25% per month3 | | CITIBANK READY CREDIT | | Interest Charges | The effective interest rate will be :
a) the prevailing product interest rate of 1.496% per month ( 17.95% per annum) or
b) a promotional rate of 1.246% per month (14.95% per annum) which may be extended based on the good conduct of your account or
c) an interest rate of 1.746% per month (20.95% per annum) in the event your account is twice or more past due1 in the past six months
Minimum Interest Charge - S$5
| | Late Fees | a) 30% of the past due amount (subject to a minimum of $80 and
b) a late payment interest charge computed in a manner similar to interest charges at a rate of 0.21% per month, 0.25% or 0.292% per month4 based on a effective interest rate of 14.95%, 17.95% or 20.95% per annum respectively, as applicable on your account. The late payment interest charge will be shown in the monthly statement of account as part of the interest charge.
| | Minimum Payment | 3% of outstanding balance or S$45, whichever is higher | The information above is accurate as at 29 April 2009 and is intended as a quick consumer guide only. Please refer to www.citibank.com.sg for a detailed Cardmember Agreement. Copies of the same are also available at any branch of Citibank.
1 An account is considered past due if the minimum payment due is not received in full before the payment due date.
2 2.225%, 3% or 3.375% per annum respectively. The late payment interest charge may be lower for balances arising from certain product promotions.
33% per annum. The late payment interest charge may be lower for balances arising from certain product promotion. Please refer to the relevant product terms and conditions.
42.50%, 3% or 3.50% per annum respectively. The late payment interest charge may be lower for balances arising from certain product promotions. | | | | | |
|
