Interest and Fees

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Interest and Fees Ready Credit

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Interest and Fees Ready Credit

INTEREST AND FEES

Interest and Fees for Citibank Ready Credit

Information Citibank Ready Credit
Revolving Interest 39.5 % effective per year
Interest on Fixed Installment RCIP:
Tenor of 12 & 18 months : 1.25% - 1.68% flat/month (equivalent interest rate of 2.22% - 2.95% effective/month, depending upon the installment tenor)

Tenor of 24, 30 & 36 months : 1.15% - 1.59% flat/month (equivalent interest rate of 2.01% - 2.77% effective/month, depending upon the installment tenor)

RCC:
Tenor of 12, 18, 24, 30 & 36 months : 1.59% flat/month (equivalent interest rate of 2.69% - 2.80% effective/month, depending upon the installment tenor)
Annual Fee Free
Cash Advance Limit for withdrawal through Citibank ATM Rp10.000,000,- per day
Cash Advance Limit for withdrawal through BCA and Bersama ATM Rp10.000.000,- per day
Cash Advance Fee at Citibank ATM, BCA ATM & Bersama ATM Free
Transfer Fee from Citibank Ready Credit Account to Other Accounts Free
Late Fee 5% of Total Billed.
Minimum Rp100.000,- and Maximum Rp200.000,-
Early Payment Fee For early payment of Ready Credit installments, before the maturity date of the loan facility, Customer will be charged a fee of 5% of the outstanding loan amount along with daily interest charged.
Card Replacement Fee Rp50.000,- per card
Billing Statement Printing Fee (including via fax) Rp10.000,-
Effective from 1 September 2016: Rp15.000,-
Minimum Payment 6% from payment due or Minimal Rp50.000,-
Stamp Duty Fee Fee depends on your billing payment.
Up to Rp250.000,- Rp0,-
Between Rp250.000,- – Rp1.000.000,- Rp3.000,-
Above Rp1.000.000,- Rp6.000,-
Over Payment Transfer Fee For every transfer request will be charged Rp25.000,-
Transfer Fee for RCIP/E-RCIP For every RCIP/E-RCIP transfer request to other bank account will be charged Rp25.000,-
Other fee
Charged whenever there is credit balance left after Citibank Ready Credit is closed.
Maximum Rp25.000,-

Service Payment Fee

Effective Oct 15, 2015, paying Citibank Ready Credit bill via BRI teller is no longer accessible; however, payment via BRI e-channels increase to Rp7.500,-

Effective Dec 6, 2015, Citibank Ready Credit payment via Bank Panin increase to Rp7.500,-.

Payment can be done through Citibank, ATM Bersama Network, and Banking Partner.

Payment facility via ATM Bersama Network has details as below:

ATM Bersama Fee per Transaction Remarks

ATM owned by each of all Indonesian Banks included and listed under ATM-Bersama Network

Based on tariff or transfer fee from the related banks.

Payment by utilizing the transfer menu in ATM Bersama machine throughout Indonesia.

Bank Fee Service
Bank Danamon Rp5.000,- ATM, Mobile Banking, Phone Banking
Bank Mandiri Rp7.500,- ATM, Internet Banking, Mobile Banking, Phone Banking
Bank Mega Rp5.000,- ATM (Real Time Online)
BCA Rp7.500,- ATM, Internet Banking, Mobile Banking, Phone Banking
BII Rp5.000,- ATM
BNI Rp7.500,- ATM (Real Time Online), Phone Banking (Real Time Online)
BRI Rp7.500,- ATM (Real Time Online), Phone Banking (Real Time Online)
CIMB Niaga Rp5.000,- ATM (Real Time Online), Internet Banking (Real Time Online), Mobile Banking (Real Time Online), Phone Banking (Real Time Online)
OCBC NISP Rp5.000,- ATM (Real Time Online),Phone Banking (Real Time Online)
Bank Panin Rp7.500,- ATM (Real Time Online),Internet Banking (Real Time Online), Mobile Banking (Real Time Online)
Bank Permata Rp5.000,- ATM (Real Time Online),Internet Banking (Real Time Online), Mobile Banking (Real Time Online), Phone Banking (Real Time Online)
Pos Indonesia Rp6.000,- Loket
Kantor Citibank Rp50.000,- Teller
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