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 IDR10,000,000 per day
Cash Advance Limit for withdrawal through BCA and Bersama ATM IDR10,000,000 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 IDR50,000 per card
Billing Statement Printing Fee (including via fax) IDR10,000
Minimum Payment 6% from payment due or Minimal IDR50,000
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 IDR25,000
Other fee
Charged whenever there is credit balance left after Citibank Ready Credit is closed.
Maximum IDR25,000

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 IDR7,500

Effective Dec 6, 2015, Citibank Ready Credit payment via Bank Panin increase to IDR7,500.

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 IDR5,000 ATM, Mobile Banking, Phone Banking
Bank Ekonomi IDR5,000 ATM (Real Time Online), Internet Banking (Real Time Online)
Bank Mandiri IDR7,500 ATM, Internet Banking, Mobile Banking, Phone Banking
Bank Mega IDR5,000 ATM (Real Time Online)
BCA IDR7,500 ATM, Internet Banking, Mobile Banking, Phone Banking
BII IDR5,000 ATM
BNI IDR7,500 ATM (Real Time Online), Phone Banking (Real Time Online)
BRI IDR7,500 ATM (Real Time Online), Phone Banking (Real Time Online)
CIMB Niaga IDR5,000 ATM (Real Time Online), Internet Banking (Real Time Online), Mobile Banking (Real Time Online), Phone Banking (Real Time Online)
OCBC NISP IDR5,000 ATM (Real Time Online),Phone Banking (Real Time Online)
Bank Panin IDR7,500 ATM (Real Time Online),Internet Banking (Real Time Online), Mobile Banking (Real Time Online)
Bank Permata IDR5,000 ATM (Real Time Online),Internet Banking (Real Time Online), Mobile Banking (Real Time Online), Phone Banking (Real Time Online)
Pos Indonesia IDR6,000 Loket
Kantor Citibank IDR50,000 Teller
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