CALCULATE YOUR FINANCE CHARGES

Your Credit Card
Finance Charges Guide.

Your Credit Card Finance Charges Guide.

Tiered Finance Charges

Citi credit card tiered finance charges is maintained at 15%p.a., 17%p.a., 18%p.a. The applicable finance charges between 15%p.a. to 18%p.a. will be based on your last 12 months’ repayment record to reward customers who demonstrate good payment track records.

Tiered Finance Charges

Here is how it works:

Cardmembers who promptly settle their min payment due for 12 consecutive months. 15%p.a. (daily interest)
Cardmembers who promptly settle their min payment due for 10 or more in a 12-months cycle. 17%p.a. (daily interest)
Cardmembers who do not fall within the above categories. 18%p.a. (daily interest)

*Prompt payments refer to payments received by the due date which have met the minimum payment requirement.

Calculator

Calculate your finance charges

Use our handy calculator below to see the difference in finance charges for the different tiers.

Please specify your outstanding balance and your preferred payment amount.

YOUR CURRENT OUTSTANDING BALANCE:

Click and drag the slider to specify your balance.

Your minimum payment amount* will be

ENTER YOUR PREFERRED PAYMENT AMOUNT :

* Minimum payment amount is defined as 5% of current outstanding balance or RM50 whichever is higher

IF YOU PAY... YOUR TOTAL FINANCE CHARGES PAID WILL BE1
15%

When you make prompt payments =< 50% of your monthly outstanding balances for 12 consecutive months.

17%
When you make prompt payments for 10 or more months in the last 12 months
18%
When you do not fall within any catagories.
According to your minimum payment amount every month 0 0 0
RM0 every month [Your preferred payment amount] 0 0 0

1Note: The finance charges are calculated based on the following assumptions:

  • No new transactions on the card
  • Exclude instalment balances of FlexiPayment Plan, Easy Pay Plan, Balance Transfer Instalment, Balance Conversion and Dial-for-Cash
  • Payment is constant and the finance charges exclude products with promotional rates.
FAQs

For new Citibank credit cardmembers, finance charges of 18% p.a. will be applied. The applicable tiered finance charges will only be effective until such time when you have the minimum 10 months repayment record with us.

A finance charge of 18% p.a. will be applied to you until such time when you have the minimum 10 months repayment record with us.

15%p.a., as long as you make prompt payments of more than or equal to minimum payment due of your total outstanding balances for 12 months consecutively although there are no transactions for one or more months.

Tiered finance charge rate will be at 15%p.a. if there is no usage, no outstanding balance based on your 12 month’s repayment record.

Yes as the applicable finance charges will be based on your 12 month’s repayment record.

To view the FAQ in Bahasa Malaysia, please click here.

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