Appendices to the Table of Terms and Conditions of Citibank Credit Cards
of Bank Handlowy w Warszawie S.A.
UWAGA: OBOWIĄZUJE DOKUMENTACJA W JĘZYKU POLSKIM, PONIŻSZE TŁUMACZENIE JEST DOKUMENTEM INFORMACYJNYM
ATTENTION: This English version may be used for information purposes only. Polish version will be signed and binding. In case of discrepancy between the English and Polish
versions, the Polish version shall prevall.
Valid from 15 December 2016
Appendix 1. Transaction Limits Table
Citibank Silver,
Citibank-LOT Silver,
Citibank-BP PAYBACK Silver,
Citibank-Elle,
Miejska (Citibank Urban Travel Card),
Citibank Student,
Citi Simplicity
Citibank Gold,
Citibank-LOT Gold,
Citibank-BP PAYBACK Gold,
Citibank Platinum,
Citibank-LOT Platinum,
Citibank World MasterCard,
Citibank PremierMiles,
Citibank MasterCard World Signia Ultime /
Citibank World Elite MasterCard Ultime
Limit for a single non-cash transfer made through a CitiPhone consultant
PLN 1500
PLN 3000 for Gold, Platinum, Citibank PremierMiles
and Citibank World MasterCard Cards; PLN 10,000
for Citibank MasterCard World Signia Ultime/Citibank
World Elite MasterCard Ultime Cards
Limit for a single non-cash transfer made via Interactive Voice Responder/
Citibank Online
PLN 5000
PLN 10,000
Card Type
Daily limit for non-cash transfers
PLN 5000
Up to the individual credit limit
Daily limit for ATM withdrawals
PLN 5000
Daily limit for the number of transactions made with a Contactless Medium
6
Value limit for a single Contactless Transaction carried out in the
territory of Poland without the need to use PIN or the Client’s signature,
determined by payment organizations
20
Limit of the amount of a single contactless transaction carried out within
the territory of Poland without the need of using PIN or a client's signature,
determined by payment organizations
p
PLN 50
Appendix 2. Table of Fees and Commissions for Citibank Credit Cards
Citibank Student
Citibank Silver,
Citibank-LOT
Silver, Citibank-BP
PAYBACK Silver,
Citibank-Elle,
Miejska (Citibank
Urban Travel Card)
Citi Simplicity
n/a
PLN 8/month
(PLN 96/year)
Annual fee for the issuing and use of
the Primary Card (for cards issued
between 31/08/2013 and 31/12/2014)
n/a
Annual fee for the issuing and use of
the Primary Card (for cards issued
until 31/08/2013)
m
e
e
t
PLN 10,000
Daily limit for cash withdrawals
Up to the individual credit limit
a
l
PLN 10,000 for Gold, Citibank PremierMiles
and Citibank World MasterCard Cards; PLN 15,000
for Platinum and Citibank MasterCard World Signia
Ultime/Citibank World Elite MasterCard Ultime Cards
8
20
PLN 50
Citibank World
MasterCard
Citibank Gold,
Citibank-LOT
Gold, CitibankBP PAYBACK
Gold, Citibank
PremierMiles
Citibank Platinum,
Citibank-LOT
Platinum
Citibank MasterCard
World Signia Ultime/
Citibank World Elite
MasterCard Ultime
Free of charge
PLN 18/month
(PLN 216/year)
PLN 18/month
(PLN 216/year)
PLN 60/month
(PLN 720/year)
PLN 1000
PLN 8/month
(PLN 96/year)
n/a
PLN 18/month
(PLN 216/year)
PLN 18/month
(PLN 216/year)
PLN 27/month
(PLN 324/year)
PLN 1000
PLN 2/month
(PLN 24/year),
PLN 0 in the 1st
year
PLN 8/month
(PLN 96/year)
n/a
PLN 8/month
(PLN 96/year)
PLN 18/month
(PLN 216/year)
PLN 27/month
(PLN 324/year)
PLN 1000
Annual fee for the issuing and use of
each Supplementary Card (for cards
issued as of 1/02/2014)
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
PLN 250
Annual fee for the issuing and use of
each Supplementary Card (for cards
issued between 31/08/2013 and
31/01/2014)
PLN 4/month
(PLN 48/year)
PLN 4/month
(PLN 48/year)
n/a
PLN 9/month
(PLN 108/year)
PLN 9/month
(PLN 108/year)
PLN 11/month
(PLN 132/year)
PLN 250
Annual fee for the issuing and use of
each Supplementary Card (for cards
issued until 31/08/2013)
PLN 4/month
(PLN 48/year)
PLN 4/month
(PLN 48/year)
n/a
PLN 4/month
(PLN 48/year)
PLN 9/month
(PLN 108/year)
PLN 11/month
(PLN 132/year)
PLN 250
Fee for reissuing a Card instead of a
lost Card or issuing a duplicate Card
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
Free of charge
Fee for a change of the Primary Card
type on the Client’s request
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
Free of charge
Card Types
Annual fee for the issuing and use of
the Primary Card (for cards issued
as of 1/01/2015)
t
Fee for the Card delivery via courier
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
PLN 30
Free of charge
Monthly fee for each Contactless Medium
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Fee for the Contactless Transaction
functionality
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Commission for a Non-Cash Transaction
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Fee for placing a non-cash transfer
instruction via CitiPhone
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Fee for a non-cash transfer made
through a CitiPhone Consultant
PLN 3
PLN 3
PLN 3
PLN 3
PLN 3
PLN 3
Free of charge
Fee for a non-cash transfer made via
CitiBank Online
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Fee for a non-cash transfer made via
Interactive Voice Responder
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
6% of the
Transaction
amount, not less
than PLN 10
6% of the
Transaction
amount, not less
than PLN 10
6% of the
Transaction
amount, not less
than PLN 10
6% of the
Transaction
amount, not less
than PLN 10
6% of the
Transaction
amount, not less
than PLN 10
6% of the
Transaction
amount, not less
than PLN 10
6% of the
Transaction amount,
not less than PLN 10
Commission for a Cash Transaction
using the Card and a transfer from
the Card Account
Fee for repayment of the Card’s
Outstanding Balance at a Branch
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
PLN 10
Free of charge
Commission for currency conversion
of Transactions executed in a
currency other than PLN
5.8% of the
Transaction
amount
5.8% of the
Transaction
amount
5.8% of the
Transaction
amount
5.8% of the
Transaction
amount
5.8% of the
Transaction
amount
5.8% of the
Transaction
amount
Free of charge
Fee for activating the Citibank Online
e-banking service
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Fee for the possibility of using CitiPhone
telephone banking service by the Client
PLN 6/month
PLN 6/month
PLN 6/month
PLN 6/month
PLN 6/month
PLN 6/month
Free of charge
Fee for assigning a new or changing
an Identification Code
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Fee for CitiAlerts Standard
PLN 6/month
(1st month free of
charge)
PLN 6/month
(1st month free of
charge)
Free of charge
PLN 6/month
(1st month free of
charge)
PLN 6/month
(1st month free of
charge)
PLN 6/month
(1st month free of
charge)
Free of charge
Fee for CitiAlerts Premium
PLN 10/month
(1st month free of
charge)
PLN 10/month
(1st month free of
charge)
Free of charge
PLN 10/month
(1st month free of
charge)
PLN 10/month
(1st month free of
charge)
PLN 10/month
(1st month free of
charge)
Free of charge
Fee for a paper Statement (applied to
Credit Cards issued after 1/10/2011)
PLN 5/month
PLN 5/month
PLN 5/month
PLN 5/month
PLN 5/month
PLN 5/month
Free of charge
Fee for a copy of a paper Statement
older than 1 month
PLN 20
PLN 20
PLN 20
PLN 20
PLN 20
PLN 20
Free of charge
Fee for a copy of a Transaction
confirmation obtained from the
service provider
PLN 15
PLN 15
PLN 15
PLN 15
PLN 15
PLN 15
Free of charge
Fee for a transfer confirmation
PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
PLN 7
Free of charge
Fee for a certificate on outstanding
balance or Card Account
PLN 35
PLN 35
PLN 35
PLN 35
PLN 35
PLN 35
Free of charge
PLN 0.38/month
PLN 0.38/month
n/a
PLN 0.38/month
PLN 0.38/month
PLN 0.38/month
n/a
Fee for the CreditShield insurance
(applies to the insured who joined the
insurance until 31/03/2015)
0.36% of the
outstanding
balance
0.36% of the
outstanding
balance
n/a
0.36% of the
outstanding
balance
0.36% of the
outstanding
balance
0.36% of the
outstanding
balance
0.36% of the
outstanding balance
Fee for the CreditShield Plus insurance
(applies to the insured who joined the
insurance until 31/03/2015)
0.79% of the
outstanding
balance
0.79% of the
outstanding
balance
n/a
0.79% of the
outstanding
balance
0.79% of the
outstanding
balance
0.79% of the
outstanding
balance
0.79% of the
outstanding balance
determined
individually (not
more than 20%
of the transaction
amount)
determined
individually (not
more than 20%
of the transaction
amount)
determined
individually (not
more than 20%
of the transaction
amount)
determined
individually (not
more than 20%
of the transaction
amount)
determined
individually (not
more than 20%
of the transaction
amount)
determined
individually (not
more than 20%
of the transaction
amount)
determined
individually (not more
than 20% of the
transaction amount)
Administrative fee for handling the
‘Comfort’ Installment Payment Plan for
Additional Credit Limit, added to the
monthly installment amount (for Plans
activated as of 1/01/2015)
PLN 30/month
PLN 30/month
PLN 30/month
PLN 30/month
PLN 30/month
PLN 30/month
PLN 30/month
Administrative fee for handling the
‘Comfort’ Installment Payment Plan
under the Credit Limit, added to the
monthly installment amount (for Plans
activated as of 1/01/2015)
PLN 20/month
PLN 20/month
PLN 20/month
PLN 20/month
PLN 20/month
PLN 20/month
PLN 20/month
Fee for the Security Package insurance
(applies to the insured who joined the
insurance until 31/03/2015)
Commission for spreading a
Transaction out into installments
under the ‘Comfort’ Installment
Payment Plan (for Plans activated as
of 15/12/2016)
m
e
Priority Pass – VIP lounge entry fee –
for Primary Card holders
t
Fee for exceeding the Credit Limit
p
e
t
a
l
n/a
n/a
n/a
n/a
n/a
n/a
Unlimited VIP lounge
entries for Primary
Card holders in
calendar year – free
of charge,
one-time entry
for accompanying
person – USD 30
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
For agreements concluded as of 20
February 2016, fee for a telephone
reminder under overdue debt servicing
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
For agreements concluded until 19
February 2016, fee for a telephone
reminder under overdue debt servicing
PLN 35
PLN 35
Free of charge
PLN 35
PLN 35
PLN 35
Free of charge
The annual fees quoted in the Table of Fees and Commissions apply to the standard offer and not to promotional offers.
The services specified in the Table of Fees and Commissions are voluntary.
Citigold or Citigold Private Client account holders, excluding holders of Citibank MasterCard World Signia Ultime/Citibank World Elite MasterCard Ultime Credit Card, are exempt
from:
1) the monthly amount of the Annual Fee for the issuing and use of the Primary Card,
2)the monthly fee for the possibility of using CitiPhone telephone banking service,
3)monthly Fee for the Security Package insurance, with the fee exemption for the Security Package insurance applying to Clients who joined the insurance until 31 March 2015,
subject to meeting the conditions for free Account maintenance in accordance with the applicable “Table of Fees and Commissions: Accounts and Overdrafts for Private Clients”.
Holders of the Citigold Private Client Account, who in the month before the annual fee is charged meet the average monthly balance condition as defined in the Terms and
Conditions of Bank Accounts in the amount of PLN 3 million are exempt from:
1) the annual fee for the issuing and use of the Primary and Supplementary Credit Card Citibank MasterCard World Signia Ultime/Citibank World Elite MasterCard Ultime,
2)the monthly fee for the possibility of using CitiPhone telephone banking service,
3)the monthly Fee for the Security Package insurance, with the fee exemption for the Security Package insurance applying to Clients who joined the insurance until 31 March 2015.
For Priority Pass, the fee for entering the VIP lounge is charged as equivalent of USD 30 converted into PLN at the Bank’s exchange rate applicable on the day of posting the fee in
the card account.
For agreements concluded until 19 February 2016, as of 2 May 2016:
1) the Bank does not charge fees for dunning letters,
2)the limit of fees for debt collection activities in a monthly settlement cycle amounts to PLN 35.
For agreements concluded as of 20 February 2016, fees for debt collection activities (telephone reminders and dunning letters) amount to PLN 0.
Should the Client default on their obligations under the Citibank Credit Card Agreement, the Client will be obliged to pay fees for performed debt collection activities on the terms
and in the amount provided for in the Agreement, the Terms and Conditions and the Table of Fees and Commissions, and may be additionally obligated by the court to cover court
costs and enforcement proceedings fees in accordance with the Act of 17th November 1964 – Code of Civil Procedure, the Act on Court Costs in Civil Cases of 28th July 2005, the Act
on Judicial Officers and Enforcement of 29th August 1997, the Regulation of the Minister of Justice of 28th September 2002 on fees for legal advisers and covering the costs of legal
assistance provided by a legal advisor ex officio by the State Treasury, and the Regulation of the Minister of Justice of 28th September 2002 on fees for lawyers and covering the
costs of unpaid legal assistance provided ex officio by the State Treasury.
Clients holding a Citibank Platinum Credit Card or MasterCard World Credit Card as the Primary Card, with a special “World” graphic mark, are covered by the free-of-charge
Concierge Service in accordance with the “Concierge Service Terms and Conditions”.
Appendix 3 Interest Rates Table
Card Type
Citibank Silver,
Citibank-LOT Silver,
Citibank-BP PAYBACK Silver,
Citibank-Elle,
Miejska (Citibank Urban Travel Card),
Citibank World MasterCard,
Citibank Student,
Citi Simplicity
Citibank Gold,
Citibank-LOT Gold,
Citibank-BP PAYBACK
Gold,
Citibank PremierMiles
Citibank Platinum,
Citibank-LOT
Platinum
Citibank MasterCard
World Signia Ultime/
Citibank World Elite
MasterCard Ultime
Interest rate charged on Non-Cash Card Transactions in the case
of default on timely and full repayment of the Outstanding Balance
as well as the interest rate charged on Cash Transactions, Transfers
from the Card and the ‘Comfort’ Installment Payment Plan
10% / year
10% / year
10% / year
10% / year
Interest on Cash Transactions and Non-Cash Transactions executed with a Credit Card is calculated using the following formula: the interest rate provided in the table is divided by 365/366
days (depending on the actual number of calendar days in the year). Based on the daily rate thus calculated, the interest is calculated for each calendar day in which the Client is using
the credit on the Card.
If the Card type is changed, the interest rate applied for transactions made before the date of such a change is the interest rate applicable on the Transaction date for the given Card type
used to execute the Transaction.
Interest for the ‘Comfort’ Installment Payment Plan is calculated using the following formula: for the first installment and installment calculated in the case of early repayment, the interest
rate provided in the table is divided by 360 days and, based on the daily rate thus calculated, the interest is calculated for each calendar day in which the Client is using the Plan.
For other installments, the interest rate provided in the table is divided by 360 days and calculated for 30 days in a month (irrespective of the actual number of days in the given month).
Appendix 4. Cut-off Times List for transfers from the Card Account
Type of transfer from Credit Card’s Account
Cut Off Time
External Domestic Transfers in PLN
5.30 pm
Transfers from the Card Account requested on days other than Business Days are treated as received on the first Business Day following such day.
t
p
a
l
12/2016
Internal to Corporate Customers in Bank in PLN
m
e
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t
3.30 pm