Rates and Charges of Citibank Platinum Mastercard Creditcard

PLATINUM SUMMARY BOX The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions
APR on Purchases	Typical 16.9% APR(variable)
Other rates	Introductory Rate	Monthly Rate	Annual Rate
Purchases	N/A	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Cash Advances	N/A	From 2.079% to 2.329%	From 24.9% to 27.9% per annum (variable)
Balance Transfers	0% for 9 months on all balance transfers made within 90 days of account opening date	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Flex Payments	N/A	From 1.313% to 2.079%	From 15.8% to 24.9% per annum (variable)
Interest free period	Up to 56 days for purchases if you pay your balance in full and on time. 0 days for cash advances, credit card cheques balance transfers and Flex Payments
Interest charging information	The periods over which interest are charged are as follows: From Until Purchases transaction date repaid in full* Cash Advances transaction date repaid in full* Balance Transfers date debited to your account repaid in full* Credit Card Cheques date debited to your account repaid in full* Flex Payments date debited to your account repaid in full*
Allocation of payments	All payments we receive from you will (unless otherwise required by law) be applied to payments your Account in the following order: (a) Flex Payments Monthly Instalment (to be applied to each Flex Payment facility in the order of creation); (b) other interest and Account Charges; (c) existing Promotional Balances - lowest rates first; (d) new Promotional Balances - lowest rates first; (e) existing Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account as shown on the monthly statement; (f) new Purchase balances and non-promotional Balance Transfers - in the order in which they were debited to your Account but not yet shown on the monthly statement; (g) existing Cash balances shown on the last monthly and/or previous statements - in the order in which they were debited to your Account as shown on the monthly statement; (h) new Cash balances - in the order in which they were debited to your Account but not yet shown on the monthly statement; and (i) the balance of each Flex Payments facility (to be applied to each facility in the order of creation).
Minimum monthly repayment	Unless we tell you otherwise, the minimum monthly payment will be: the greater of: (a) £5; or (b) 2.25% of the Non Flex Payments Balance; or (c) (i) 1% of the Non Flex Payments Balance; plus (ii) billed interest on the Non Flex Payments Balance as shown on your statement; plus (iii) late fees charged in accordance with clause 12.1 as shown on your latest statement (unless these have been cleared prior to the statement date in accordance with clause 9.2); PLUS any amount by which you have exceeded your Credit Limit at the date of your statement; PLUS any Flex Payments Monthly Instalments (which include all interest applied to any Flex Payments facility during the statement period); PLUS all minimum monthly payments outstanding from previous statements.
Amount of credit	Minimum credit limit of £500, maximum credit limit subject to status.
Fees	No annual fee.
Charges	Balance Transfers 3% of each Balance Transfer (subject to a minimum service fee of £5) Cash Advances Cash from an ATM - 3% service fee (minimum £5). Other Cash Advances – the higher of (i) £5 or (ii) 3% of each cash advance Foreign Exchange 2.75% exchange fee on non-sterling transactions Duplication Statement £3 for a copy of a statement Authorised Sales Voucher £10 for a copy of an authorised sales voucher Personal Information £10 for a copy of the information we hold about you and your account
Default charges	Late Payment Fee (failure to make the minimum requested payment to your account by the payment due date): £12 Overlimit Fee (charge for exceeding your agreed credit limit at any time): £12 Return Fee (charge applied when a direct debit, cheque or other item is not paid when presented): £12 Insufficient Funds (charge applied if there are insufficient funds on your account to cover a credit card cheque that you have issued on your account): £12