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Schedule of Fees and Charges (VAT Exclusive) |
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Interest Rate |
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2.15% per month or 25.8% per year |
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Interest charges are billed if you do not pay your Total Amount Due in your Statement of Account on or before the Payment Due Date. Interest charges are calculated on a Daily Average Balance method assuming 360 days per year. Interest will be charged on all transactions from the date of transaction if the Total Amount Due is not paid by the Payment Due Date. |
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Interest Rate for Cash Advances |
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2.15% per month or 25.8% per year |
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Interest charges for Cash Advances are billed from the date of the Cash Advance on a daily basis until date of full payment. Interest charges are calculated on a daily average balance method assuming 360 days per year. |
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Interest Free Period |
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25 Days from Statement Date |
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If you pay the Total Amount Due in your Statement of Account on or before the Payment Due Date, Interest Charges will not apply. You will not be eligible to interest Free days if you do not pay the Total Amount Due by the Payment Due Date. Typically you have up to 25 days between the Statement Date and Payment Due Date. Depending on when you make a transaction, you can enjoy up to 55 days of interest free credit. |
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Primary Card Annual Fee |
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VND 1,200,000 per year( Free for CitiGold) |
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This is a fee that is charged for membership to a Primary Citibank Cash Back Card and is charged annually in the month in which your Card was issued. Annual Fee is charged even if the card is not activated. VAT charges apply. |
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Supplementary Card Annual Fee |
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Free |
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This is a fee that is charged for membership to every Supplementary Citibank Cash Back Card and is charged annually in the month in which your supplementary Card was issued. Annual Fee is charged even if the card is not activated. VAT charges apply. |
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Primary Card Joining Fee |
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Free |
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This is one time fee that is charged for processing your approved Primary Citibank Cash Back Card application. Joining fee is charge even if the card is not activated. VAT charges apply. |
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Cash Advance Fee |
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3% (subject to a minimum of VND 50,000) |
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This fee is charged on all Cash Advances and is calculated at 3% of the transaction amount. The minimum fee is VND50,000. |
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Late Payment Fee |
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2% (subject to a minimum of VND 200,000) |
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Late Payment Fee is applicable if at least the Minimum Amount Due is not paid by the Payment Due Date. We encourage you to pay promptly to avoid being charged this fee. This fee is calculated as 2% of the Total Outstanding Balance and is subject to a minimum fee of VND 200,000. |
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Overseas Transaction Fee |
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3% |
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Overseas Transaction Fee is applicable for all transactions not conducted in VND. Please note that the State Bank of Vietnam requires all domestic transactions to be incurred in Vietnam Dong. The Overseas Transaction Fee is currently charged at 3% of the transaction amount incurred for both retail purchases as well as Cash Advances. |
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Over Limit Fee |
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VND 100,000 |
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This is the fee charged to your Account if you exceed the Credit Limit assigned to your Account. |
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Direct Debit Dishonor Fee |
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VND 50,000 |
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This fee is charged if you have issued a Direct Debit Instruction to debit your bank account for payment of your Card Outstanding and for any reason; the instruction is not honored by your bank. |
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Replacement Card Fee |
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VND 100,000 |
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Replacement Card Fees is a charge that is applicable for any Replacement Card or any Replacement Account Card that we issue for a Lost, Stolen or Damaged Card. Please ensure that you take adequate care to protect your Card at all times. |
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Duplicate Statement Fee |
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VND 50,000 |
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Duplicate Statement Fee is a fee that is charged to your account if you request for physical duplicate copy of your Statement of Account. |
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