For Singapore Clients: Citibank Pricing Guide(opens in a new tab)
For International Personal Bank Clients: Citibank International Personal Bank Useful Information(opens in a new tab)
Prime Rates | |
USD | 7.75% p.a |
SGD | 5.50% p.a |
Citibank Card | Basic | Supplementary | Fee Waiver* |
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Citi Cash Back+ Card | S$196.20 | S$98.10 | 1 year annual fee waiver for basic and all supplementary cards |
Citi Cash Back Card | S$196.20 | S$98.10 | 1 year annual fee waiver for basic and all supplementary cards |
Citibank Clear Card | S$30.52 | N.A | 1 year annual fee waiver |
Citibank Clear Platinum Card | S$163.50 | S$87.20 | 1 year annual fee waiver for basic and all supplementary cards |
Citibank Personal Business Gold Visa Card | S$163.50 | N.A. | 1 year annual fee waiver |
Citi Rewards Card | S$196.20 | S$98.10 | 1 year annual fee waiver for basic and all supplementary cards |
Citi PremierMiles Card | S$196.20 | Free | 1 year annual fee waiver for basic and perpetual fee waiver for all supplementary cards |
Citi Prestige Card | S$545.00 | Free | Strictly no Fee Waiver |
Citi Cash Back Platinum | S$163.50 | S$81.75 | - |
Citi Clear Classic Card | S$65.40 | N.A. | - |
Citi Gold Card | S$163.50 | S$87.20 | - |
Citi Platinum Card | S$163.50 | S$87.20 | - |
Citi Silver Card | S$65.40 | S$32.70 | - |
Citibank Partner Card | Basic | Supplementary | Fee Waiver* |
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Citi M1 Platinum Visa Card | S$196.20 | S$98.10 | 1 year annual fee waiver for basic and all supplementary cards |
Citi SMRT Platinum Visa Card | S$196.20 | S$98.10 | 2 year annual fee waiver for basic and all supplementary cards |
Citi M1 Blue Card | S$65.40 | S$32.70 | - |
Citi M1 Gold Card | S$163.50 | S$87.20 | - |
Minimum Payment Amount
The overlimit amount is specified in your statement of account and refers to the balance (including any unbilled balances) 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 Amount
The overlimit amount is specified in your statement of account and refers to the balance (including any unbilled balances) in excess of your credit limit and must be paid immediately. The overlimit amount is in addition to the minimum payment amount.
S$15 or 8% of amount withdrawn, whichever is greater.
The effective interest rate applicable on your account will be:
* 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.
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.
If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
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.
i. 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, except for Australian dollars on Visa cards which will be converted into Singapore dollars directly. 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 Mastercard International or VISA depending on whether the conversion is done by us, Mastercard International or VISA.
ii. 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 3.25% if processed by Mastercard International or VISA or such other rate(s) as determined by us and notified to you.
i. 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.
ii. In addition, the card transaction will be subject to an administrative fee of 1% levied by Mastercard International/VISA on the converted Singapore dollar amount if it is a Mastercard International/VISA transaction;
If the Singapore Dollars card transaction (including online transactions) is effected:
i. with a local merchant whose payments are processed through an overseas intermediary; or
ii. with a merchant who is registered as an overseas merchant regardless of its actual location,
such card transaction will be subject to an administrative fee of 1% on the transaction amount if the card transaction is processed by Mastercard International/VISA.
This charge will be charged on card transactions including but not limited to any Mastercard or VISA 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 Mastercard or VISA 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.
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.
25 days from the date of the statement of account
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.
S$40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period.
The above does not apply to Citibank Business Card, Citibank Corporate Card, Citibank Purchasing Card and Citibank Travel Account.
Returned Check | S$25 |
Rejected Direct Debit Authorisation | S$25 |
Requests for copies of sales drafts and statements are subject to the following charges:
Charge per copy | |
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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 |
Citi shall be entitled in Citi's reasonable discretion to apply and appropriate all payments received by Citi in such a manner or order of priority as Citi may deem fit, notwithstanding any specific appropriation of such sums by customer or any person making such payment.
Service fee of S$10.90 (inclusive of 9% GST) will be charged (on a per account basis) for each payment made to Citi Credit Card account(s) over the counter at Citibank Branches.
Citi Corporate Card | S$163.50 per card. |
Citi Business Card | S$163.50 per card. |
Citi Purchasing Card | S$30.56 per card. |
Citi Travel Account | S$30.56 per card. |
Citi Corporate Card (Sole Corporate Liability) | Full payment of the current balance is required by the payment due date. |
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Minimum Payment Amount Overlimit Amount The overlimit amount is specified in your statement of account and refers to the balance (including any unbilled balances) in excess of your credit limit and must be paid immediately. The overlimit amount is in addition to the minimum payment amount. |
Citi Purchasing Card and Citi Travel Account | Full payment of the current balance is required by the payment due date. |
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Cash advance fee per transaction is charged as follows: |
Citi Corporate Card (Sole Corporate Liability) | Cash advance fee per transaction is charged as follows: |
Citi Purchasing Card and Citi Travel Account are not eligible for Cash Advance.
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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 27.9% per annum and cash interest rate* of 27.9% per annum, 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.
* 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 Corporate Card (Sole Corporate Liability) | 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 26.9% per annum and cash interest rate* of 26.9% per annum, 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.
* 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 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$100 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$100 will be levied. |
i. 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, except for Australian dollars on Visa cards which will be converted into Singapore dollars directly. 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 Mastercard International or VISA depending on whether the conversion is done by us, Mastercard International or VISA.
ii. 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 3.25% if processed by Mastercard International or VISA or such other rate(s) as determined by us and notified to you.
i. 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.
ii. In addition, the card transaction will be subject to an administrative fee of 1% levied by Mastercard International/VISA on the converted Singapore dollar amount if it is a Mastercard International/VISA transaction;.
i. with a local merchant whose payments are processed through an overseas intermediary; or
ii. with a merchant who is registered as an overseas merchant regardless of its actual location, such card transaction will be subject to an administrative fee of 1% on the transaction amount if the card transaction is processed by Mastercard International or VISA.
These charges will be charged on card transactions including but not limited to any Mastercard or VISA 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 Mastercard or VISA 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.
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.
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 |
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. |
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 |
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:
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Citi Business Card | |||||||||||||||
Citi Purchasing Card | |||||||||||||||
Citi Travel Account |
Citi shall be entitled in Citi's reasonable discretion to apply and appropriate all payments received by Citi in such a manner or order of priority as Citi may deem fit, notwithstanding any specific appropriation of such sums by customer or any person making such payment.
Service fee of S$10.90 (inclusive of 9% GST) will be charged (on a per account basis) for each payment made to Citi Credit Card account(s) over the counter at Citibank Branches.
USD International Card Annual Fees (inclusive of 9% GST) | US$163.50 (Basic) US$87.20 (Basic) |
Account Payment | You may pay your Card Account in the following ways:
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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 |
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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. |
Citi shall be entitled in Citi's reasonable discretion to apply and appropriate all payments received by Citi in such a manner or order of priority as Citi may deem fit, notwithstanding any specific appropriation of such sums by customer or any person making such payment.
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.
S$120
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. Unless otherwise reflected in your statement or communicated by Citibank to you, the effective interest rate applicable on your account will be:
*An account is considered past due if the minimum payment due is not received in full before the payment due date.
If the current balance on your Citi Ready Credit (“CRC”) account, including minimum payment due under any Citibank instalment loan programs (“CRC Outstanding Balance”) is less than S$50, the minimum payment amount shall be equivalent to the current CRC Outstanding Balance.
If the CRC Outstanding Balance is more than or equal to S$50, the minimum payment shall be the higher of:
Any CRC Outstanding Balance due and unpaid in respect of earlier CRC statements shall be added to the minimum payment due and payable under any current CRC statement.
The overlimit amount is specified in your statement of account and refers to the balance(including any unbilled balances) in excess of your credit limit and must be paid immediately. The overlimit amount is payable in addition to the minimum payment due on your CRC Outstanding Amount.
If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$120 will be levied.
If the current balance on your account exceeds your credit limit, an overlimit fee of S$40 shall be charged to your account.
S$30 per cheque
S$30 per cheque
Citi shall be entitled in Citi's reasonable discretion to apply and appropriate all payments received by Citi in such a manner or order of priority as Citi may deem fit, notwithstanding any specific appropriation of such sums by customer or any person making such payment.
Service fee of S$10.90 (inclusive of 9% GST) is charged (on a per account basis) for each payment made to Citi Ready Credit account over the counter at Citibank Branches.
S$90
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).
If the current balance on your Citi Ready Credit SmartCash (“CRCS”) account, including minimum payment due under any Citibank instalment loan programs (“CRCS Outstanding Balance”) is less than S$50, the minimum payment amount shall be equivalent to the current CRCS Outstanding Balance.
If the CRCS Outstanding Balance is more than or equal to S$50, the minimum payment shall be the higher of:
Any CRCS Outstanding Balance due and unpaid in respect of earlier CRCS statements shall be added to the minimum payment due and payable under any current CRCS statement.
The overlimit amount is specified in your statement of account and refers to the balance(including any unbilled balances) in excess of your credit limit and must be paid immediately. The overlimit amount is payable in addition to the minimum payment due on your CRCS Outstanding Amount.
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.
If the current balance on your account exceeds your credit limit, an overlimit fee of S$40 shall be charged to your account.
S$30 per cheque
S$30 per cheque
Citi shall be entitled in Citi's reasonable discretion to apply and appropriate all payments received by Citi in such a manner or order of priority as Citi may deem fit, notwithstanding any specific appropriation of such sums by customer or any person making such payment.
Service fee of S$10.90 (inclusive of 9% GST) is charged (on a per account basis) for each payment made to Citi Credit Card account(s) over the counter at Citibank Branches.
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Citibank Singapore Ltd Co.Reg. No. 200309485K
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