BANKING AND CARD FEES

Your quick and easy
guide to banking fees.

Your quick and easy guide to banking fees.

Annual Membership Fees (inclusive of GST)

Citibank Card Basic Supplementary Fee Waiver*
Citibank Clear Card S$29.96 N.A 1 year annual fee waiver
Citi PremierMiles Visa Card S$192.60 Free 1 year annual fee waiver for basic and perpetual fee waiver for all supplementary cards
Citi PremierMiles American Express® Card S$267.50 Free -
Citibank Clear Platinum Card S$160.50 S$85.60 1 year annual fee waiver for basic and all supplementary cards
Citi Cash Back Card S$192.60 S$96.30 1 year annual fee waiver for basic and all supplementary cards
Citi Rewards Card S$192.60 S$96.30 1 year annual fee waiver for basic and all supplementary cards
Citibank Personal Business Gold Visa Card S$160.50 N.A. 1 year annual fee waiver
Citi Prestige Card S$535 Free for life Strictly no Fee Waiver
Citibank Partner Card Basic Supplementary Fee Waiver*
Citi Paragon Platinum MasterCard S$192.60 S$96.30 1 year annual fee waiver for basic and all supplementary cards
Citi SMRT Platinum Visa Card S$160.50 S$85.60 2 year annual fee waiver for basic and all supplementary cards
Citi TANGS Platinum Visa Card S$160.50 S$85.60 1 year annual fee waiver for basic and all supplementary cards
Citi M1 Platinum Visa Card S$160.50 S$85.60 1 year annual fee waiver for basic and all supplementary cards

* The fee waiver is only applicable to new credit card applications.

Minimum Payment and Overlimit Amount – except for Citi Clear Card

Minimum Payment Amount

The minimum payment amount is specified in your statement of account and is computed by taking 1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges (including interest/ service charges for any recurring/instalment payments) plus late payment charge or S$50 whichever is greater, plus any overdue amounts. If the current balance is less than S$50, the minimum payment amount shall be equivalent to the current balance.

Overlimit Amount

The overlimit amount is specified in your statement of account and refers to the balance in excess of your combined credit limit and must be paid immediately. The overlimit amount is in addition to the minimum payment amount.

Minimum Payment - Citi Clear Card

Accounts that are not over the account credit limit:

S$25 or 1% of the current balance plus 1% of any outstanding unbilled installment amounts plus interest charges (including interest/service charges for any recurring/ installment payments) plus late payment charge plus any overdue amounts, whichever is greater. If the current balance is less than S$25, the minimum payment amount shall be equivalent to the current balance.

Accounts that are over the account credit limit:

S$25 or 1% of the current balance plus 1% of any outstanding unbilled installment amounts plus interest charges (including interest/service charges for any recurring/installment payments) plus late payment charge plus any overdue amounts plus any amounts in excess of the account credit limit, whichever is greater. If the current balance is less than S$25, the minimum payment amount shall be equivalent to the current balance.

Cash Advance Charges

S$15 or 6% of amount withdrawn, whichever is greater.

Interest Charges for Card Transactions (including Cash Advance) - except for Citi Clear Card

The effective interest rate applicable on your account will be:

  • The prevailing retail interest rate of 26% per annum and cash interest rate** of 26.9% per annum; or
  • A promotional retail interest rate of 20% per annum and cash interest rate** of 20.9% 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
  • A retail interest rate of 29% per annum and cash interest rate** of 29.9% per annum in the event your account is past due* in the current month. 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 past due in the current month and no longer twice or more past due within the last six months

If the interest accrued on the outstanding balance is less than S$3, a minimum of S$3 will be charged.

* An account is considered past due if the minimum payment due is not received in full before the payment due date.

** Cash Interest Rate refers to the interest rate applied on outstanding debit balances from Cash advance, Cash advance fee, Quasi-cash transactions, Outstanding Balances pursuant to the Balance Transfer Program after the expiry of the promotional Tenure, and interest charges resulting from such transactions. The retail interest rate refers to the interest rate applied on all other outstanding balances.

If payment is not made in full by the payment due date, interest charges will be calculated on a daily basis on all transactions in both the current statement as well as next month's statement from the transaction date until the date full payment is received.

Note: No interest charges will be levied if payment is received in full by the payment due date and there is no balance carried forward from the previous statement of account.

Interest Charges for Card Transactions (including Cash Advance) - Citi Clear Card

Effective Interest Rate 28% per annum

If the interest accrued on the outstanding balance is less than S$3, a minimum of S$3 will be charged.

Late Payment Charge - except for Citi Clear Card

if the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.

Late Payment Charge - Citi Clear Card

If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$40 will be levied.

Transactions in Foreign Currencies and Transactions Processed Outside Singapore

  • Foreign currency transactions
    1. Card transactions (including online and overseas transactions) effected in US dollars will be converted into Singapore dollars. Card transactions effected in foreign currencies other than US dollars will be converted to US dollars before being converted into Singapore dollars. The conversion will take place on the date on which the transaction is received and recorded by us ("posting date"). The currency conversion will be based on our prevailing foreign exchange rate or an exchange rate determined by VISA, MasterCard International, or American Express depending on whether the conversion is done by us, VISA, MasterCard International, or American Express.
    2. In addition, the card transaction will be subject to the following administrative fees on the converted Singapore dollar amount:
      (A) an administrative fee of up to 2.5% if processed by VISA or MasterCard International; and
      (B) an administrative fee of up to 3.3% if processed by American Express,
      or such other rate(s) as determined by us and notified to you.
  • Dynamic Currency Conversion
    1. If your card transaction (including online and overseas transactions) is converted into Singapore dollars via dynamic currency conversion (a service offered at certain ATMs and merchants which allows a cardmember to convert a transaction denominated in a foreign currency to Singapore Dollars at the point of withdrawal/sale), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. You acknowledge that we do not determine whether a card transaction will be converted into Singapore dollars via dynamic currency conversion and, where your card transaction is for a retail purchase, you may have to check with the relevant merchant whether such conversion was done.
    2. In addition, the card transaction will be subject to the following charges on the converted Singapore dollar amount:
      (A) an administrative fee of 0.8% levied by VISA if it is a VISA card transaction;
      (B) an administrative fee of 1.0% levied by MasterCard International if it is a MasterCard International transaction.
  • Singapore Dollars transactions processed outside Singapore
    If the Singapore Dollars card transaction (including online transactions) is effected:
    1. with a local merchant whose payments are processed through an overseas intermediary; or
    2. with a merchant who is registered as an overseas merchant regardless of its actual location,
      such card transaction will be subject to the following charges on the transaction amount processed:
      (A) 0.8% if the card transaction is processed by VISA;
      (B) 1.0% if the card transaction is processed by Mastercard International.
  • This charge will be charged on card transactions including but not limited to any VISA or Mastercard retail card transaction presented in foreign currency that you choose to pay in Singapore Dollars at point-of-sale via dynamic currency conversion or any online VISA or Mastercard retail card transaction in Singapore Dollars which was processed outside Singapore. You may have to check with the relevant merchant whether such transaction was processed outside Singapore.

Liability for Unauthorized Transactions

You are reminded to keep your Citibank credit card in a safe and secure place and not to disclose your PIN to any third party. If your credit card is lost, stolen or used by any third party or your PIN is disclosed to any third party, you should immediately notify Citibank. Your liability for unauthorized transactions on each credit card account is capped at $100 provided that Citibank is satisfied that you have (i) not been negligent, (ii) not acted fraudulently and (iii) immediately notified Citibank about the loss/theft/disclosure.

Repayment Grace Period

25 days from the date of the statement of account

Credit Limit

The credit limit shown is your combined credit limit effective across all the personal basic and supplementary cards held by you including your personal business card if any.

Overlimit Fee

If the total outstanding balance on your account exceeds your credit limit, an overlimit fee of S$40 shall be charged to your account.

The above does not apply to Citibank Business Card, Citibank Corporate Card, Citibank Purchasing Card and Citibank Travel Account.

Service Charge for Insufficient funds (Inclusive of GST)

Returned Check S$25
Rejected Direct Debit Authorisation S$25

Retrieval Fee (Inclusive of GST)

Requests for copies of sales drafts and statements are subject to the following charges:

Charge per copy
Sales Draft:
- current to 2 months S$5
- more than 2 months to 1 year S$15
Statement of Account:
- current to 2 months Free
- more than 2 months to 1 year S$15
- more than 1 year to 5 years S$30
- more than 5 years S$100

Card Replacement Fee

A card replacement fee of S$10 shall be charged to your account for each replacement of your SMRT Platinum Visa.

The above pricing information guide is not intended to provide exhaustive information. You should refer to the applicable Cardmember’s Agreement for the full terms and conditions.

Card Annual Fees (Inclusive of GST)

Citi Corporate Card (Sole Corporate Liability, Joint & Several Liability, Cardmember Liability and Personal Liability) S$160.50 per card.
Citi Business Card S$160.50 per card.
Citi Purchasing Card S$30.00 per card.
Citi Travel Account S$30.00 per card.

Minimum Payment

Citi Corporate Card (Sole Corporate Liability) Full payment of the current balance is required by the payment due date.
  • Citi Corporate Card (Joint & Several Liability, Cardmember Liability and Personal Liability)
  • Citi Business Card

Accounts that are not over the account credit limit:

1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges (including interest/service charges for any recurring/ instalment payments) plus late payment charge or S$50, whichever is greater, plus any overdue amounts. If the current balance is less than S$50, the minimum payment amount shall be equivalent to the current balance.

Accounts that are over the account credit limit:

1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges (including interest/service charges for any recurring/instalment payments) plus late payment charge or S$50, whichever is greater, plus any overdue amounts plus any amounts in excess of the account credit limit. If the current balance is less than S$50, the minimum payment amount shall be equivalent to the current balance.

Citi Purchasing Card and Citi Travel Account Full payment of the current balance is required by the payment due date.

Cash Advance Charges

  • Citi Corporate Card (Sole Corporate Liability, Joint & Several Liability, Cardmember Liability and Personal Liability)
  • Citi Business Card

Cash advance fee per transaction is charged as follows:
S$15.00 or 6% of amount withdrawn, whichever is greater, plus interest charges calculated on a daily basis on the amount withdrawn from the date of the cash advance until the date payment is made in full.

Citi Purchasing Card and Citi Travel Account are not eligible for Cash Advance.

Interest Charges

  • Citi Corporate Card (Sole Corporate Liability, Joint & Several Liability, Cardmember Liability and Personal Liability)
  • Citi Business Card

If payment of the current balance is not made in full by the payment due date, interest charges will be calculated on a daily basis at the retail interest rate* of 26% per annum or cash interest rate* of 26.9% per annum, whichever is applicable, on all transactions in both the current statement as well as next month’s statement from the transaction date until the date full payment is received. Interest on the amounts shall accrue on a daily basis and shall be payable monthly, subject to a minimum interest charge of S$3.00 a month.

Note: No interest charges will be levied if payment is received in full by the payment due date and there is no balance carried forward from the previous statement of account.

* Cash Interest Rate refers to the interest rate applied on outstanding debit balances from Cash advance, Cash advance fee, Quasi-cash transactions, Outstanding Balances pursuant to the Balance Transfer Program after the expiry of the promotional Tenure, and interest charges resulting from such transactions. The retail interest rate refers to the interest rate applied on all other outstanding balances.

Citi Purchasing Card and Citi Travel Account

NA

Late Payment Charge

Citi Corporate Card and Citi Business Card If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80.00 will be levied.
Citi Purchasing Card and Citi Travel Account If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of 2% of the balance reflected in the previous month Master Statement of account plus a fixed rate of S$80.00 will be levied.

Transactions in Foreign Currencies and Transactions Processed Outside Singapore

  • Foreign currency transactions
    1. Card transactions (including online and overseas transactions) effected in US dollars will be converted into Singapore dollars. Card transactions effected in foreign currencies other than US dollars will be converted to US dollars before being converted into Singapore dollars. The conversion will take place on the date on which the transaction is received and recorded by us ("posting date"). The currency conversion will be based on our prevailing foreign exchange rate or an exchange rate determined by VISA or MasterCard International depending on whether the conversion is done by us, VISA or MasterCard International.
    2. In addition, the card transaction will be subject to the following administrative fees on the converted Singapore dollar amount: an administrative fee of up to 2.5% if processed by VISA or MasterCard International or such other rate(s) as determined by us and notified to you.
  • Dynamic Currency Conversion
    1. If your card transaction (including online and overseas transactions) is converted into Singapore dollars via dynamic currency conversion (a service offered at certain ATMs and merchants which allows a cardmember to convert a transaction denominated in a foreign currency to Singapore Dollars at the point of withdrawal/sale), you acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator, merchant or dynamic currency conversion service provider, as the case may be. You acknowledge that we do not determine whether a card transaction will be converted into Singapore dollars via dynamic currency conversion and, where your card transaction is for a retail purchase, you may have to check with the relevant merchant whether such conversion was done.
    2. In addition, the card transaction will be subject to the following charges on the converted Singapore dollar amount:
      1) an administrative fee of 0.8% levied by VISA if it is a VISA card transaction;
      2) an administrative fee of 1.0% levied by MasterCard International if it is a MasterCard International transaction
  • Singapore Dollars transactions processed outside Singapore
    If the Singapore Dollars card transaction (including online transactions) is effected:
    1. with a local merchant whose payments are processed through an overseas intermediary; or
    2. with a merchant who is registered as an overseas merchant regardless of its actual location, such card transaction will be subject to the following charges on the transaction amount processed:
      1) 0.8% if the card transaction is processed by VISA;
      2) 1.0% if the card transaction is processed by MasterCard International
  • These charges will be charged on card transactions including but not limited to any VISA or MasterCard retail card transaction presented in foreign currency that you choose to pay in Singapore Dollars at point-of-sale via dynamic currency conversion or any online VISA or MasterCard retail card transaction in Singapore Dollars which was processed outside Singapore. You may have to check with the relevant merchant whether such transaction was processed outside Singapore.

Liability for Unauthorized Transactions

You are reminded to keep your Citi credit card in a safe and secure place and not to disclose your PIN to any third party. If your credit card is lost, stolen or used by any third party or your PIN is disclosed to any third party, you should immediately notify Citi. Your liability for unauthorized transactions on each credit card account is capped at S$100 provided that Citi is satisfied that you have (i) not been negligent, (ii) not acted fraudulently and (iii) immediately notified Citi about the loss/theft/disclosure.

Repayment Grace Period

Citi Corporate Card (Sole Corporate Liability) 28 days from the date of the statement of account.
Citi Corporate Card
(Joint & Several Liability, Cardmember Liability and
Personal Liability) and Citi Business Card
25 days from the date of the statement of account
Citi Purchasing Card and Citi Travel Account 21 days from the date of the statement of account

Credit Limit

Citi Corporate Card (Sole Corporate Liability and Joint & Several Liability) The credit limit of the employee nominated to receive the Corporate Card will be determined by the Company, subject to the Bank's approval.
Citi Corporate Card (Cardmember Liability and Personal Liability) The credit limit of the employee nominated to receive the Corporate Card will be determined by the employee's monthly income, subject to the Bank's approval.
Citi Business Card The employee's credit limit will be based on the boss's credit limit.
Citi Purchasing Card and Citi Travel Account The credit limit of the product will be determined by the Company, subject to the Bank's approval.

Service Charge for Insufficient funds (Inclusive of GST)

Citi Corporate Card (Sole Corporate
Liability, Joint & Several Liability,
Cardmember Liability and Personal Liability)

Returned Check: S$25.00

Rejected Direct Debit Authorisation: S$25.00

Citi Business Card
Citi Purchasing Card
Citi Travel Account

Retrieval Fee (Inclusive of GST)

Citi Corporate Card (Sole Corporate Liability, Joint & Several Liability, Cardmember Liability and Personal Liability)

Requests for copies of sales drafts and statements are subject to the following charges:

Charge per copy
Sales Draft: S$5.00
Statement of Account:
Current to 2 months old Free
Above 2 months to under 1 year S$15.00
1 year to 5 year S$30.00
Beyond 5 years S$100.00
Citi Business Card
Citi Purchasing Card
Citi Travel Account

The above pricing information guide is not intended to provide exhaustive information. You should refer to the applicable Cardmember’s Agreement for the full terms and conditions.

Card Annual Fees (Inclusive of GST)

USD International Card US$160.50 (basic)
US$85.60 (supplementary)
Account Payment

You may pay your Card Account in the following ways:

  • Direct Debit - You may arrange for your monthly Card Account bills to be settled by directly deducting from your Citibank savings/current account.
  • Telegraphic Transfer - Payment can be cabled from any bank. Send your remittance with your name and Card Account Number to Citibank Singapore Ltd.
  • Check and Draft Payments - All check payments should be in United States dollars, crossed and made payable to Citibank Singapore Ltd. Please write your Card Account Number on the back of your check. Send your check and payment coupon in the enclosed envelope. Checks and drafts drawn on banks outside of Singapore will be sent for clearing and given value when funds are received by us. All checks and drafts made in currencies other than United States dollars will be automatically converted to United States dollars at Citibank Singapore Ltd's prevailing exchange rate.
  • Cash Payment - United States dollars cash payments will be accepted at our branches subject to a handling charge of 1% of the amount paid. Please do not send cash by post.
Minimum Payment

Accounts that are not over the credit limit:

US$50 or 1% of the current balance plus interest charges (including interest/service charges for any recurring/instalment payments) plus late payment charge plus any overdue amounts; whichever is greater. If the current balance is less than US$50, the minimum payment amount shall be equivalent to the current balance.

Accounts that are over the credit limit:

US$50 or 1% of the current balance plus interest charges (including interest/service charges for any recurring/instalment payments) plus late payment charge plus any overdue amounts plus the amount in excess of the combined credit limit; whichever is greater. If the current balance is less than US$50, the minimum payment amount shall be equivalent to the current balance.

Interest-free Grace Period

You have an interest-free, grace period of 20 days between the Statement Date and the Payment Due Date to make your payment.

Charges
  • Interest - If you do not pay your Current Balance in full by the Payment Due Date, you will be charged daily interest of 2% per month or a minimum of US$3 per month, whichever is greater on the total balance and on charges transacted after the Statement Date, all from the date of posting. For cash advances, interest charges are assessed from the date of the cash advance until the day we receive full payment.
  • Cash Advance Service Fee - You will be charged a 3% service fee on the cash advance amount (or a minimum of US$10). Interest will also be levied from the date of your cash transaction to the day we receive full payment.
  • Late Fees - If your payment is received after the Payment Due Date, late payment fee will be charged as follows:
  • Balance as of Previous Statement:
    Charge
    - Up to US$1,000.00
    US$25.00
    - More than US$1,000.00 and up to US$3,000.00
    US$35.00
    - More than US$3,000.00
    US$40.00
  • Dishonored Payments - A handling fee of US$25 will be charged if your check is returned or if your Direct Debit or Interbank GIRO is dishonored.
  • Request for Sales Draft Copy - A fee of US$5 will be debited to your International Gold Card Account upon your request for a photocopy of the merchant sales draft.
Transactions in Currencies Other Than United States Dollars

Card transactions effected in currencies other than United States dollars will be debited to your card account after conversion into United States dollars at an exchange rate determined by VISA. The conversion will take place on the date on which the transaction is posted to your card account and the exchange rate applied to the conversion is determined by VISA on such date. Accordingly, the exchange rate applied may be different from the rates which are in effect on the date on which such transaction is made.

All transactions in foreign currency are subject to an administrative fee of 2%, or such other rate as determined by us and notified to you.

Liability For Unauthorized Transactions

You are reminded to keep your Citibank credit card in a safe and secure place and not to disclose your PIN to any third party. If your credit card is lost, stolen or used by any third party or your PIN is disclosed to any third party, you should immediately notify Citibank. Your liability for unauthorized transactions on each credit card account is capped at US$100 provided that Citibank is satisfied that you have (i) not been negligent, (ii) not acted fraudulently and (iii) immediately notified Citibank about the loss/theft/disclosure.

The above pricing information guide is not intended to provide exhaustive information. You should refer to the applicable Cardmember’s Agreement for the full terms and conditions.

Annual Fee

S$80

Interest Charge

Daily interest is calculated by multiplying the effective interest rate per annum by daily outstanding debit balance over 365 days in a year. There is a minimum interest charge of $5 if you have any outstanding debit balance. The effective interest rate applicable on your account will be:

  • The prevailing product interest rate of 1.663% per month (19.95% per annum); or
  • A promotional interest rate of 1.042% per month (12.50% 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
  • An interest rate of 1.913% per month (22.95% per annum) in the event your account is past due in the current month but not twice or more past due within the last six months or
  • An interest rate of 2.163% per month (25.95% per annum) in the event your account is twice or more past due* 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.

* An account is considered past due if the minimum payment due is not received in full before the payment due date

Minimum Payment

Outstanding Balance Minimum Payment Amount
S$0-S$45 Exact Amount*
>S$45-S$1,500 S$45*
>S$1,500 3% of outstanding amount*
*plus the amount by which the outstanding balance exceeds the credit limit.
For Paylite term loan, instalment has to be paid in full each month.

Late Payment Charge

If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$90 will be levied.

Overlimit Fee

If the current balance on your account exceeds your credit limit, an overlimit fee of S$40 shall be charged to your account.

Returned Cheques

S$30 per cheque

Stop Payment

S$30 per cheque

The above pricing information guide is not intended to provide exhaustive information. You should refer to the applicable Cardmember’s Agreement for the full terms and conditions.

Important Information:

For an Index Linked (SIBOR) package, the interest rate quoted to you is benchmarked against the Singapore Interbank Offered Rate ("SIBOR"). Accordingly, the interest rate quoted to you is indicative and is subject to any fluctuations in SIBOR. The effective interest rate in respect of your loan will be set out in the Bank's facility letter to you and will be computed based on the applicable SIBOR on the specified reference date(s) and shall include any other pricing component which will vary according to your home loan package. The Bank is not required to give you advance notice of the SIBOR which are applicable to your loan.

You may request for a loan repayment schedule based on your choice of loan package. Alternatively, you may retrieve the loan repayment information at www.citibank.com.sg. Please note that a copy of The Association of Banks in Singapore (ABS) Guide on Home Loan is available upon request. We recommend that you read the ABS Guide before committing to your Home Loan. The ABS Guide is also available at www.mas.gov.sg and www.abs.org.sg in four(4) official languages.

Annual Fee

S$90

Interest Charge

Daily interest is calculated by multiplying the effective interest rate per annum by daily outstanding debit balance over 365 days in a year. There is a minimum interest charge of $5 if you have any outstanding debit balance. The effective interest rate applicable on your account will be the prevailing product interest rate of 1.746% per month (20.95% per annum).

Minimum Payment

Outstanding Balance Minimum Payment Amount
S$0-S$45 Exact Amount*
>S$45-S$1,500 S$45*
>S$1,500 3% of outstanding amount*
*plus the amount by which the outstanding balance exceeds the credit limit.
For Paylite term loan, instalment has to be paid in full each month.

Late Payment Charge

If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$60 will be levied.

Overlimit Fee

If the current balance on your account exceeds your credit limit, an overlimit fee of S$40 shall be charged to your account.

Returned Cheques

S$30 per cheque

Stop Payment

S$30 per cheque

The above pricing information guide is not intended to provide exhaustive information. You should refer to the applicable Cardmember’s Agreement for the full terms and conditions.

Important Information:

For an Index Linked (SIBOR) package, the interest rate quoted to you is benchmarked against the Singapore Interbank Offered Rate ("SIBOR"). Accordingly, the interest rate quoted to you is indicative and is subject to any fluctuations in SIBOR. The effective interest rate in respect of your loan will be set out in the Bank's facility letter to you and will be computed based on the applicable SIBOR on the specified reference date(s) and shall include any other pricing component which will vary according to your home loan package. The Bank is not required to give you advance notice of the SIBOR which are applicable to your loan.

You may request for a loan repayment schedule based on your choice of loan package. Alternatively, you may retrieve the loan repayment information at www.citibank.com.sg. Please note that a copy of The Association of Banks in Singapore (ABS) Guide on Home Loan is available upon request. We recommend that you read the ABS Guide before committing to your Home Loan. The ABS Guide is also available at www.mas.gov.sg and www.abs.org.sg in four(4) official languages.