“DFC” means the Dial-For-Cash program, which is a combined facility allowing the Cardholder to obtain cash advances and repay the cash advances by way of FPP (defined below) in accordance with these terms and conditions;

“FPP” means Citibank Flexi Payment Plan which allows the Cardholder to repay certain Card transaction in monthly installments in accordance with the terms and conditions of the FPP except modified by these terms and conditions.

You agree to the following terms and conditions:

1. The DFC is made available to the Cardholder subject to these terms and conditions. The Cardholder will either receive a separate credit limit called Installment Limit to enjoy only the DFC and/or the Cardholder may, at Citibank’s discretion, use the existing Card credit limit to enjoy the DFC. To avoid doubt, Cardholders are not eligible for temporary increase in their existing Card credit limit in the next 6 months upon Citibank’s approval of the DFC application. Citibank reserves the right to increase, decrease or amend the Installment Limit at any time and the Installment Limit assigned to Cardholders will be subject to all laws, regulations, directives and guidelines governing the Card.
2. The Cardholder must meet the minimum acceptance criteria as determined by Citibank when applying for the DFC.
3. The minimum amount eligible for each application is RM1,000 in multiples of RM100 denomination and this limit may be varied by Citibank from time to time.
4. The Cardholder must specify in the application, the amount to draw within the Installment Limit and/or the Card credit limit. Citibank may at its sole discretion approve the application for the DFC amount specified by the Cardholder or such lower amount (“DFC Amount”) as Citibank deems fit. Citibank is not obliged to inform or notify Cardholders of the lower amount prior to its approval.
5. Upon Citibank’s approval of your application, the DFC Amount will be deposited into any one of the Cardholder’s bank accounts maintained with any bank, as specified in the Cardholder’s application. Charges (if any) imposed by the receiving bank for the deposit of the DFC Amount into the Cardholder’s bank account, including but not limited to commission charges imposed by the receiving bank to clear banker’s cheque(s) issued by Citibank, will be borne by the Cardholder. Citibank will not be responsible for any error, delay, neglect or omission made by the receiving bank in processing the cheque(s) or the crediting of the DFC Amount into the Cardholder’s bank account with that bank.
6. A non-refundable cash advance fee up to 2% of the DFC amount or such other amount as may be determined by Citibank for each DFC application will be debited from the Cardholder’s Card Account.
7. DFC will not earn Rewards Point and/or Cash Back accumulation.
8. Cardholders must pay interest (“DFC Interest”) on the DFC Amount and for the DFC Tenure (defined below). The applicable interest rate will be charged on the DFC Amount and will be computed based on a reducing balance repayment method. The effective interest rate (5.9% to 17.9% per anum) will be calculated from the date of approval of the DFC Amount. Interest for the first monthly installment will be computed from the date of such approval to the next immediate statement of account cycle date while interest for subsequent monthly installments will be computed from one statement of account cycle date to the next statement of account cycle date.




Loan Amount : RM10,000 Effective Interest Rate: 17.9% p.a Tenure : 12 Months
Month	Outstanding Loan (RM)	Instalment (RM)	Interest (RM)	Principal Repayment (RM)
1	10,000.00	916.32	149.17	767.16
2	9,232.84	916.32	137.72	778.60
3	8,454.24	916.32	126.11	790.21
4	7,664.03	916.32	114.32	802.00
5	6,862.02	916.32	102.36	813.97
6	6,048.06	916.32	90.22	826.11
7	5,221.95	916.32	77.89	838.43
8	4,383.52	916.32	65.39	850.94
9	3,532.59	916.32	52.69	863.63
10	2,668.96	916.32	39.81	876.51
11	1,792.44	916.32	26.74	889.59
12	902.86	916.32	13.47	902.86

9. The Cardholder must choose a tenure for the repayment of the DFC Amount together with the DFC Interest in accordance with these terms and conditions (“DFC Tenure”). During the DFC Tenure, the DFC Amount together with DFC Interest will be billed by way of equal monthly installments ("DFC Monthly Installment"). The Cardholder cannot change the DFC Tenure and/or the DFC Monthly Installment.
10. Subject always to Clause 8 above, the DFC Monthly Installment will be billed to the Cardholder’s Card Account on the immediate next statement of account date following Citibank's approval of the Cardholder’s application even though the Cardholder has yet to receive the DFC Amount (whether by way of deposit into the bank account designated by the Cardholder or the clearance of the cheque into the Cardholder’s bank account) or that the DFC Amount has not been utilized by the Cardholder.
11. In the event of any delay or failure to pay any DFC Monthly Installment in full on or before the Payment Due Date specified in the Cardholder’s Statement of Account (“”), the terms of the Citibank Card Agreement will apply and such charge as is applicable to the Ordinary Transactions in accordance with the Citibank Card Agreement (“Finance Charge”) will apply to the DFC Monthly Installment finance amount to which is outstanding. Despite so and in addition to the above, in the event of three (3) or more consecutive installment default payment events, all monies due and owing under the DFC, comprising of the total outstanding DFC Monthly Installment and the total unbilled principal of the DFC Monthly Installment, together with the applicable Finance Charge and balance of all other monies due and owing under the DFC will be due and payable by the Cardholder.
12. Subject to Citibank’s approval, the Cardholder may at anytime cancel participation in the DFC or elect for early settlement of the DFC Amount by calling CitiPhone or such other method as may be determined by Citibank from time to time. Upon such cancellation or early termination or in the event the Cardholder cancels the Card, the Cardholder must pay Citibank the total outstanding principal under the DFC together with 5% of the total outstanding principal under the DFC for such early termination or cancellation.
13. Without prejudice to Clause 11 above, if the Cardholder is in breach of any provisions of the Citibank Card Agreement or these terms and conditions or in the event of cancellation of the Card or termination of the Card Account, whether voluntarily or involuntarily closed for whatever reason, all monies due and owing under the DFC, comprising of the total outstanding DFC Monthly Installment and the total unbilled principal of the DFC Installment together with the applicable Finance Charge and balance of other monies owing under the DFC will immediately become due and payable by the Cardholder and Citibank can charge it to the Card Account where the Citibank Card Agreement will apply to all the said installments or balance remaining without prejudice to the rights and remedies of Citibank under the Citibank Card Agreement.
14. The Finance Charge is chargeable if the DFC Monthly Installment is not received by Citibank in full on or before the Payment Due Date specified in the Statement of Account. Any unpaid DFC outstanding on the Payment Due Date specified in the Statement may be capitalized on each Payment Due Date and subject to the applicable finance charges until full repayment of the outstanding amounts. Therefore and in accordance with the Citibank Card Agreement in the event the amount stated in any Statement of Account to be the specified minimum payment is not received in full, the applicable finance charges will be charged on the unpaid balance which may include the DFC Monthly Installment or part of it in accordance with the Citibank Card Agreement.
15. The DFC Monthly Installment forms part of the Cardholder's Specified Minimum Payment as defined in the Citibank Card Agreement stated as due in the cardholder’s Statement of Account or any other written notice communicated by Citibank
16. The Cardholder can apply more than once for DFC so long as the Cardholder qualifies for the DFC in accordance with these terms and conditions.
17. Despite the provisions relating to respective rates, manner and time of payment and modes of computation referred to here, Citibank is entitled at any time and from time to time to vary such rates, manner and time of payment and/or modes of computation in any manner by giving notice to the Cardholder. Manner of notice, time of effect and the effect of such variation would be in accordance with the Citibank Card Agreement.
18. This DFC is valid only up till the DFC Tenure or any other extended date as Citibank may specify from time to time. To avoid doubt:

1. Nothing contained here will be construed as an obligation on Citibank to extend the DFC Tenure;
2. Citibank reserves the right to change these terms and Conditions from time to time with prior notice by way of posting on the Website (www.citibank.com.my), or in any other manner deemed suitable by Citibank. These Terms and Conditions may be changed by posting on its www.citibank.com.my website (“Website”) or in any other manner which Citibank decides is suitable. The Cardholders agree to access the Website regularly to view these Terms and Conditions and to ensure that they are kept-up to-date with any changes to these terms and conditions. Citibank also reserves the right to replace wholly or in part the DFC by another scheme, whether similar or not, or to withdraw in altogether; and
3. Citibank will not be responsible for and disclaims all liability to any actions, claims, damages, costs, charges and expenses which you may suffer, sustain or incur by reason of the Cardholder’s enrollment in the DFC.

19. All matters of disputes are subject to the final decision of Citibank..
20. Citibank reserves the right to describe any of the expressions stated here in a different manner in the Statement of Account and such descriptions in the Statement of Account will not be construed against Citibank as having a different meaning stated here.
21. These terms and conditions will be governed by and interpreted in accordance with the laws of Malaysia.