Credit cardsCiti Credit Card is the most convenient way of making purchases. It helps you make cash payments without having to worry about the money, and it offers you discounts in many shops, restaurants and hotels within the CitiPartner network across the world. apply now |
List with fees and interest for credit cards Citi Card Visa
| CITI CARD VISA CLASIC |
CITI CARD VISA GOLD |
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| Citi Card Visa Validity period | 3 years, with automatic renewal | |||
| Usage/Acceptance | In Romania and abroad, for retail and cash withdrawal transactions, anywhere VISA logo is displayed |
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| Photo/Non Photo | Available both types |
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| Grace period1 | up to 54 days | |||
| Payment due date | 24 days from statement date | |||
| Minimum amount payable2 | min. 3,5%/min. 25 Lei | |||
| ANNUAL FEES | ||||
| Annual fee of Main Card | 40 Lei (first year free) |
150 Lei | ||
| Annual fee of Supplementary Card | 0 Lei |
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| INTERESTS AND OTHER FEES | ||||
| Annual percentage rate (APR)3 applied to the card account balance (in case of partial repayment and cash withdrawal) |
27,99% | |||
| Annual percentage rate (APR) for purchases (in case of full repayment by statement due payment date) | 0% | |||
| Cash withdrawal fee (bank teller and ATM in Romania) | 2%, min. 5 Lei | |||
| Cash withdrawal fee (bank teller and ATM abroad) |
2%, min. 10 Lei | |||
| Late payment penalties | 5%, of minimum amount due, min. 45 Lei | |||
| Overlimit penalties | 5%, of overlimit balance, min. 45 Lei |
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| Monthly fee for CitiAlert (SMS/e-mail) | 5 Lei |
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| Monthly fee of Credit Shield | 0,59% of the credit limit drawn |
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| Single fee for services rendered at the request of the Cardholder |
5 Lei | |||
| Re-printing of credit card account statement4 | 5 Lei | |||
| SERVICES OFFERED FREE |
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| Balance inquiry at ATM | ||||
| Repayment at Postal office/EasyPayment/Branches | ||||
| Utility payment (via CitiPhone) | ||||
| Monthly credit card account statement |
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| PIN/T-PIN setup | ||||
| PIN/T-PIN change | ||||
| card blocking /unblocking |
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| Card replacement in Romania (lfor cards ost/stolen, damaged, destroyed) |
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| Card replacement abroad (lfor cards ost/stolen, damaged, destroyed) |
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| Equal Payment Plan (EPP) and Loan on Phone (LOP) | ||||
| CITI CARD VISA CLASIC |
CITI CARD VISA GOLD |
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| EPP transaction minimum amount5 (purchases and cash withdrawal) |
500 Lei | |||
| Annual Percentage Rate for EPP6 | 19,9% | |||
| LOP transaction minimum amount7 | 500 Lei | |||
| Annual Percentage Rate for LOP | 19,9% | |||
| Available tenors for EPP and LOP |
6 | 12 | 18 | 24 |
| Compensation for early repayment of EPP and/or LOP if the period remaining until the end of EPP and/or LOP is more than a year | 1% of the amount repaid early | |||
| Compensation for early repayment of EPP and/or LOP if the period remaining until the end of EPP and/or LOP is no more than a year | 0.5% of the amount repaid early | |||
1The grace period is the period of up to 54 days in which the Bank does not apply interest to transactions made at merchants if the amount used from the credit limit is refunded before the redemption date.
2The Minimum amount payable represents the total of 3,5% of the balance payable during the relevant Period of Reference, the actual monthly installments of the EPP and LOP, the amount of overdraft, interests and default interests. If minimum amount is less than 25 Lei, this amount will be paid.
3The Annual effective rate (DAE) varies accourding to Credit Limit and value of Annual Fee. The Annual percentage rate is variable. The validity of the card is 3 years. DAE for a credit limit of 13,000 Lei used for retail transactions and reimbursed during 12 months is 33,92% for Gold cards, and 33,65% for Classic cards; the toatal amount to be reimbursed during the 12 months tenor is 16,150 Lei for Gold card, respective 16,041 Lei for Classic card. The Bank will calculate the monthly interest using the daily interest methodology taking into account a year as 365 days.(D=B*P*N/365 where B balance payable, P percentage rate, N number of days).
4The fee will be paid for reprinting of card statements older than 3 months and will be charged by reprinted statement. In case of cash withdrawal transactions the limit is per transaction and in case of purchase transactions the transactions may be cumulated.
5The monthly EPP interest will be fully charged starting with the 3rd Period of Reference after the service has been activated regardless of the date of service activation. For an EPP of 2,000 Lei setup for 12 months DAE is 21,82%. All amounts registered after 6 months from card issuance date will not benefit from the 2 months grace period.
6The monthly LOP interest will be fully charged for the Period of Reference when the service has been activated regardless of the date of service activation. For an LOP of 2,000 Lei setup for 12 months DAE is 21,82%.
7Partial anticipated repayment can be made for amounts greater than 500 Lei. Full anticipaded repayment can be made for any amount registered into EPP or LOP.
All transaction made through other banks POS's (located inside bank branches) are considered cash withdrawal and are commissioned as such.