Citibank Conditions
of Credit Card Interests and Charges
Effective as of 1 July, 2016
Changes to the Citibank Conditions of Credit Card Interests and Charges valid from 1 January, 2016 are in bold.
Annual/Monthly card fees1
9, 11
Citi Life Credit Card
Shell–Citibank Credit Card 9
Telekom–Citibank Credit Card 9
Monthly fee of
Main card
Monthly fee of
Supplementary card*
HUF 690
HUF 690
HUF 690
HUF 690
HUF 690
HUF 690
Mobile card annual fee12
HUF 0
* Supplementary card monthly fee is HUF 0 in the first 12 month in case the supplementary card is approved after 12 February 2015. Promotion is valid until withdrawal, until 31 December 2016 at the
latest.
Platinum Credit Card
Ultima Credit Card7
Annual fee of Main
Card
Annual fee of
Supplementary Card for
the first year
Annual fee of
Supplementary Card from
the second year
Annual fee of Main card for Citigold
customers with a minimum average
balance of HUF 20 000 000
HUF 21 900
HUF 40 000
HUF 0
HUF 0
HUF 14 900
HUF 20 000
HUF 0
HUF 40 000
Annual/monthly fees of credit cards applied for
between 1 April, 2012 and 17 June 2012
Annual fee of Supplementary
Annual fee of Main Card
Card from the 2nd year*
Shell–Citibank Silver Credit Card4
Shell–Citibank Gold Credit Card4,6
Magyar Telekom–Citibank Silver Credit Card4,5
Magyar Telekom–Citibank Gold Credit Card4,5,6
Citi Life Credit Card 9,10,11
HUF 6 400
HUF 16 400
HUF 6 400
HUF 16 400
Annual fee of Main card for
Citigold Select customers
owning a balance necessary for
Citigold Select status
HUF 0
Annual fees of credit cards applied for
until 1 April, 2012
Annual fee of Supplementary
Annual fee of Main Card
Card*
HUF 3 900
HUF 9 800
HUF 3 900
HUF 9 800
HUF 7 125
HUF 18 269
HUF 7 125
HUF 18 269
HUF 4 344
HUF 10 921
HUF 4 344
HUF 10 921
Main Card monthly fee
Supplementary Card monthly fee
HUF 490
HUF 0
* Annual fee of Supplementary card for the 1st year: 0 HUF
Citi Life Credit Card 3,6,8,11 (Annual fees of Citi Life
Credit Card approved until 27 November, 2011)
Main Card annual fee
– if conditions stated in Point 8.
are met
Main Card annual fee –
in all other cases
Supplementary Card annual fee
– if conditions stated in Point 8.
are met
Supplementary Card
annual fee – in all other
cases
HUF 0
HUF 7 700
HUF 0
HUF 3 850
Annual fees of cards that can no longer be applied for
Annual fee of Main Card
Annual fee of Supplementary Card
from the 2nd year*
HUF 6 019
HUF 16 605
HUF 7 125
HUF 18 269
HUF 4 562
HUF 12 479
HUF 4 344
HUF 10 921
HUF 4 344
HUF 10 921
HUF 3 228
HUF 8 236
Citibank Silver Credit Card (cannot be applied for from 01 April, 2012)
Citibank Gold Credit Card (cannot be applied for from 01 April, 2012)
Malév–Citibank Silver Credit Card (cannot be applied for from 02 February, 2012)
Malév–Citibank Gold Credit Card (cannot be applied for from 02 February, 2012)
T-Mobile–Citibank Silver Credit Card (cannot be applied for from 10 September, 2009)
T-Mobile–Citibank Gold Credit Card (cannot be applied for from 10 September, 2009)
* Annual fee of Supplementary card for the 1st year: 0 HUF
Annual fee of Travel Packs2
For Citibank Platinum Card Holders and Holders of Gold Main and Supplementary Credit
Cards applied for prior to 17 June, 2012
From 18 June, 2012 for Shell-Citibank, Telekom-Citibank Credit Cards applied for or
Credit Cards changed to this card type and for Holders of Silver Main and Supplementary
Credit Cards applied for prior to 17 June, 2012
For Main and Supplementary Card Holders of Citi Life Credit Cards, Citi Life Credit Card
applied for until 31/12/2013
For Main and Supplementary Card Holders of Citi Life Credit Cards, Citi Life Credit Card
applied for as of 01/01/2014
For Main and Supplementary Card Holders of Citibank Ultima Credit Cards
For relatives of all Card Holders (except for Citi Life Credit Card)
For relatives of Citi Life Card Holders, Citi Life Credit Card applied for until 31/12/2013
For relatives of Citi Life Card Holders, Citi Life Credit Card applied for as of 01/01/2014
Standard
Travel Pack
Standard Travel Pack for
Citi Life Credit Card*
Ultima Travel
Pack
HUF 0
–
HUF 9 990
HUF 4 990
–
HUF 9 990
–
HUF 2 990*
HUF 4 990
–
–
HUF 4 990
–
HUF 4 990
–
–
HUF 2 990*
–
HUF 9 990
HUF 0
HUF 9 990
HUF 9 990
* The terms of discounts applicable to purchases can be found at www.citilife.hu and www.citibank.hu.
1) Charging annual/monthly fee – Main Credit Cards: for Main Credit Cards with monthly fee the first monthly fee will be charged on the date of issuance of the first statement after card activation, thereafter the applicable fee will be charged
monthly. For Main Credit Cards with annual fee the first year’s annual fee is charged on the date of issuance of the first statement after card activation, thereafter every 12 months upon the date of the card’s approval. Supplementary Credit
Cards: Supplementary Credit Card related fees are adjusted to the fees of the Main Credit Card. The annual or monthly fee of the Supplementary Credit Card is in line with the fee stated for Supplementary Credit Cards in these Credit Card
Interests and Charges prevailing at the time of application of the Main Credit Card linked to the Supplementary Credit Card. The first monthly fee of Supplementary Credit Card with monthly fees is charged on the day of issuance of the first
statement after card activation, thereafter the applicable fee will be charged monthly. For Supplementary Credit Cards with annual fee the annual fee is charged every 12 months after approval of the Main Credit Card application, however, for
the first time annual fee is charged in the 2nd year after the Supplementary Credit Card’s approval. If card type is changed: • For a new credit card with monthly fee applied for with the change of type of the existing credit card with monthly fee
the first monthly fee of the new credit card will be charged on the day of issuance of the first account statement after card activation, thereafter the applicable fee is charged monthly. • For a new credit card with annual fee applied for with the
change of type of the existing credit card with annual fee the date of charging the first annual fee of the new credit card is identical to the date of charging the annual fee for the earlier credit card. • For a new credit card with annual fee applied
for with the change of type of the existing credit card with monthly fee the first annual fee of the new credit card will be charged on the date of issuance of the first account statement after activation of the new credit card, thereafter the applicable
fee is charged every 12 months after approval. • For new credit cards with monthly fee applied for with the change of type of the existing credit card with annual fee the proportionate part of the annual fee is credited to the account of the credit
card newly applied for by the Card Holder and the first monthly fee of the new credit card is charged on the date of issuance of the first account statement after activation of the new credit card, thereafter the applicable fee is charged monthly.
2) The Standard Travel Pack (except for Platinum Credit Card) and the Ultima Travel Pack (except for Ultima Credit Card) are optional services and application of the Travel Pack concerned does not influence the approval of the credit card
application. The travel insurance forming part of the Travel Pack is provided by AIG Europe Limited Hungary Branch (Chartis Hungary). The terms of the travel insurance can be found in the applicable terms of insurance.
3) The annual fee of Citi Life Travel Pack linked to Citi Life Credit Cards applied for from 13 October, 2011 and approved until 27 November, 2011 is not charged to Holders of Main Credit Cards applied for under the Citibank At Work Program.
4) Until 17 June, 2012 the annual fee of co-branded (Shell–Citibank, Magyar Telekom–Citibank) Main Credit Cards applied for with HUF 0 Bank Accounts (TOP Fee Package) is HUF 0, from the second year the annual fee remains HUF 0 if the
annual amount spent with the card is at least HUF 420 000 in case of a Silver main credit card, or the annual amount spent with the card is at least HUF 840 000 in case of a Gold main credit card. Under the program the condition of activating
main credit cards is a onetime credit of at least HUF 150 000 to the Citibank HUF 0 Bank Account (TOP Fee Package) opened simultaneously with credit card application.*
5) If the type of the existing Citibank Credit Card is changed to Magyar Telekom–Citibank Credit Card until 17 June, 2012 or the Magyar Telekom–Citibank Credit Card application is submitted within 3 months of termination of any Citibank credit
card agreement, the annual fee is charged for the Main Card in the first year also.
6) The first year’s annual fee of Shell–Citibank Gold, Magyar Telekom–Citibank Gold Credit Cards applied for until 17 June, 2012 under the scope of our program offered to the management of our small and medium enterprise customers
(CitiBusiness) is HUF 0, from the second year the annual card fee remains HUF 0 if at least HUF 840 000 per annum is spent with the credit card. The annual fee of Citi Life Travel Pack linked to Citi Life Credit Cards approved until 27
November, 2011 will not be charged to Holders of Main Credit Cards.*
7) The Citibank Ultima credit card is a credit card issued pursuant to the individual loan appraisal decision of the Bank and cannot be applied for by the client. The annual fee of Citibank Ultima credit card is HUF 0 for client of Select status. If the
client recently awarded Citigold Select status does not reach the aggregate monthly average balance of HUF 50 000 000 at the latest until the end of the second full month after the Select status is set, the Bank is entitled to charge the annual
fee stated in the present Conditions of Credit Card Interests and Charges. This provision also applies to continuous – that is earlier awarded – Citigold client status if the aggregate monthly average balance of the client does not reach
HUF 50 000 000.
8) The annual fee of Citi Life Credit Card approved until 27 November, 2011 remains HUF 0 as long as Citi Life Credit Card spendings, including supplementary card spendings, reach the annual amount of HUF 600 000. If spendings with Citi
Life credit cards – including spendings with Supplementary Cards – reach the annual amount of HUF 300 000 but remain below HUF 600 000, 50% of the annual fee of Main and Supplementary Credit Cards is charged. The credit card annual
fee is not charged for Citi Life Credit Cards approved from 28 November, 2011.*
9) Credit Card with PayPass™ function. The soft limit of PayPass transactions (contactless purchase transaction completed with the use of PayPass credit card) is determined by countries by the Card Company concerned. In case of credit
cards issued by the MasterCard International Inc. card company the soft limit amount applicable to PayPass transactions within Hungary as defined by the card company is currently HUF 500 000. Soft limits outside Hungary may vary by
country.
10) The monthly card fee is charged for Citi Life Credit Cards approved from 28 November, 2011.
11) The condition of activating the Citi Life Main Credit Card applied for in the Citi Plusz package is a one time credit of at least HUF 150 000 to the Citibank HUF 0 Forint Bank Account (TOP Fee Package) opened simultaneously with credit
card application. The credit card is to be activated within a maximum period of 1 month from the date of credit card approval. The Main Card Holder is entitled to receive 5 000 Citi Forints not later than 3 business days from the date of activation
of the Citi Life Card applied for in Citi Plusz Package and is entitled to receive additional 10 000 Citi Forints if within 3 months from the date of signing the Application Form the amount of purchases, even if in several transactions, completed with
the Citi Life Card reaches at least HUF 25 000. For Citi Life Credit Card application in Citi Plusz package from 18 June, 2012 the Bank provides a credit of HUF 3000 after card approval and activation, however, this credit cannot be consolidated
with advantages offered by other programs. The credit is due on the 15th of each month or the first business day thereafter.
12) The Mobile card is a credit card with PayPass™ function and can be applied for linked to existing Citi Life, Shell–Citibank and Telekom–Citibank Credit Card or simultaneously with these types of credit cards. The Mobile card is not suitable
to make traditional (magnetic stripe, chip) transactions, withdraw cash and make online purchases.
* Regarding the spending volume the followings are not taken into consideration: – credit card transaction fees, – other interests and fees (eg: late fee, overlimit fee, etc.), – Instalment Payment Services, – credited customer’s repayment. Free
annual fee is guaranteed only in case every minimum amount is paid until the due date during the whole year.
Cb 05/81E
Citibank Europe plc Hungarian Branch Office – Mailing address: 1367 Budapest, Pf. 123 – www.citibank.hu
Additional card fees
Credit Card applied for
Late fee1
Overlimit fee
Repayment by postal cheque
Repayment in bank branch
Purchase commission2
Commission of Installment Payment Services3
Commission of fees charged4
Cash withdrawal commission5
Cash withdrawal fee6
Citibank Online internal transfer from own credit card to own
bank account7
CitiPhone transfer from own credit card to other bank account
(Citibank Instant-Money Service )7,8,9,10
Minimum amount of cash transaction for which
the Instant-Money Service is available: HUF 20 000
Request of general certificate19
Request of individual certificate19
In Citibank Online or mail
At CitiPhone
In branches
In Citibank Online or mail
At CitiPhone
In branches
until 31/12/2012
HUF 3887
HUF 3552
HUF 277
HUF 389
–
–
–
–
2.77%
min. HUF 1000
2.77%
min. HUF 1000
as of 01/01/2013
HUF 3887
HUF 3552
HUF 277
HUF 389
0.2%
0.2%
0.2%
0.3%
2.77%
min. HUF 1000
2.77%
min. HUF 1000
as of 05/08/2013
HUF 4557
HUF 4050
HUF 277
HUF 389
0.3%
0.3%
0.3%
0.6%
3.03%
min. HUF 1600
3.03%
min. HUF 1600
as of 01/09/2013
HUF 4557
HUF 4050
HUF 396
HUF 497
0.3%
0.3%
0.3%
0.6%
3.03%
min. HUF 1600
3.03%
min. HUF 1600
1,38%
min. HUF 500
1.38%
min. HUF 500
1.52%
min. HUF 800
1.52%
min. HUF 800
–
–
HUF 1000
HUF 2000
HUF 3000
HUF 1000
HUF 2000
HUF 3000
–
–
HUF 5000
HUF 7000
HUF 7000
HUF 5000
HUF 7000
HUF 7000
Additional card fees (not depending on the date of the card application)
HUF 0
Monthly credit interest rates by card types can be Charge for credit card blocking
Monthly interest on credit11
found at the end of the Interests and Charges Charge for card replacement fee13
HUF 4900
Minimum amount payable12
min. 2.8% / min. HUF 2000 Charge for special procedure14
HUF 0
Cash repayment through Bank’s ATM that suitable to
HUF 199, free of Re-printing of credit card statements older than
HUF 300
complete this kind of transaction (as from the date when
charge until recall three months
/statement
the service becomes available)
Mobile card issuance fee15
HUF 2500 Closing fee16
HUF 7500
Monthly account management
Citibank
SMS
Alerting
Service
(in
case
of
a
Citi
HUF 428
HUF 0
fee17
Life Credit Card applied for until 31/12/2013; and
/month
Charge for custody18
HUF 1000/month/transaction Platinum or Ultima Credit Card: HUF 0/month)
Credit and Instalment
0.79% of the credit drawn plus the actual balance of the
0.79% of the credit drawn /
Instalment Payment Services on the last date of the Credit Shield Insurance fee20.b
Shield Insurance
max. HUF 5000/month
20.a
relevant settlement period / max. HUF 5 000/month
monthly fee
0.988% of the loan amount,
Set up fee for Loan on Phone
Instalment Payment Service credit shield
0.3% of the actual balance of the
min HUF 3 000,
and Advanced Loan on Phone
insurance fee20.c
Instalment Payment Services
maximum HUF 10 000
products
Charge for Direct Debit from the Card Holder’s bank account
HUF 0
HUF 0 Charge for Direct Debit21
kept at another Bank
CitiPhone transfer from own credit card to other bank account
HUF 0 CitiPhone transfer to other bank account over HUF
over HUF 50 000 (Equal Payment Plan)7,22,9
HUF 0
100 000 to the charge of Temporary Facility granted
Charge for requiring information from the Central Credit
HUF 0 on the own credit card (Advanced Loan on Phone)9
Information System (KHR)
Emergency cash abroad (if credit card is lost or stolen abroad and customer needs urgent cash): Citigroup’s foreign units may define a service fee
from time to time, to be borne by Cardholder. Citibank Europe plc Hungarian Branch Office charges a fee of USD 25 for emergency cash granted to
customers of Citigroup’s foreign branches. If this service is granted by the international card companies Visa or MasterCard, because no Citibank
branch is operating in the country concerned, the service fee will be defined by the relevant card company. Minimum service fee amounts to USD 25.
Citibank reserves the right to waive on ad hoc basis collection of any fees included in this Conditions of Interests and
Fees, strictly under consideration of its business interests.
1) In case the whole Credit Line Drawn is under 1000 HUF, and it is not paid until the Payment Deadline, no Late Fee is
charged.
2) The value calculated for purchase transactions (purchases with the credit card, multiple direct debits) that will be
charged to the credit card account and shown in the account statement in one aggregate amount, in the month after the
settlement of the subject month.
3) The value calculated for the amount disbursed in the subject month related to Loan On Phone, Advanced Loan On
Phone services that will be charged to the credit card account and shown in the account statement in one aggregate
amount, in the month after the settlement of the subject month.
4) The value calculated for the amount of fees charged (for example monthly fee, late payment fee, card replacement
fee, etc.) that will be charged to the credit card account and shown in the account statement in one aggregate amount,
in the month after the settlement of the subject month.
5) The value calculated for the cash amount withdrawn (ATM, cash paid out in bank branches) that will be charged to
the credit card account and shown in the account statement in one aggregate amount, in the month after the settlement
of the subject month.
6) Cash withdrawal limit: the credit facility available for cash-type Transactions at least the 50% of the total Credit Line.
For credit cards issued on or after 7 July, 2011, depending upon the loan appraisal decision of the bank, the credit
facility available for cash-type transactions can be 0% of the total credit facility. The Bank reserves the right to modify
the amount of the cash withdrawal limit unilaterally, at its own discretion, under consideration of the abovementioned
limit of 50%. Cash withdrawal limit can be decreased to 0% of the total credit limit, in case of credit cards opened after
30 September, 2010.
6.a) In case of transfer amount from credit card through Citibank phone channel (CitiPhone Banking) – Citibank InstantMoney Service – the cash withdrawal fee is 1.36% min HUF 500 (in the case of credit cards applied for as of
05.08.2013. 1.49%, min HUF 800) in case of transfer from the credit card through Citibank phone channel (CitiPhone
Banking) to the credit card account of the Main Card Holder managed by other domestic banks – Citibank Instant Cash
for Balance Consolidation Service – the set up fee is 0.988%, min HUF 3000 - max HUF 10 000 if the credit Card holder
does not require putting this amount into instalment payment service (Equal payment plan, Automatic Equal Payment
Plan, Zero Interest, Loan on Phone, Advanced Loan On Phone).
7) Internal transfers through Citibank Online and money transfers through CitiPhone qualify as cash withdrawal
Transactions and are available up to the limit amount of Cash Withdrawal.
8) No Loan on Phone service is available for this type of Transaction.
9) As a general rule, transfer orders may be issued to the charge of the cash withdrawal facility; however the Bank
reserves the right to allow using of the Loan on Phone service also over the cash withdrawal limit amount. Any Loan on
Phone loan drawn over the cash withdrawal limit qualifies also as cash withdrawal transaction. The Advanced Loan on
Phone service may be required to the charge of the Temporary Credit line established by the Bank.
10) In case of transfer amount from credit card through Citibank phone channel (CitiPhone Banking) – Citibank InstantMoney Service – the Cash Withdrawal fee is 1.38% min HUF 500 (in the case of credit cards applied for as of
05.08.2013. 1.52%, min HUF 800), if the credit Card holder does not require putting this amount into instalment
payment service (Equal payment plan, Loan on Phone, Advanced Loan On Phone).
11) Interest will be charged on cash withdrawal and on Citibank Online internal transfers in all cases. If the full amount
of the Credit Line Drawn is not repaid within the Payment Deadline, monthly interests will be charged on the entire
amount of the purchase from the booking date of purchase until the end of the relevant settlement period (General
Terms and Conditions, V/2). No monthly interest is charged in the following cases: – The Credit Line Drawn is not more
than 1000 HUF, and it is not paid back until the Payment Deadline, or – the part of the Credit Line Drawn, which is
unpaid until the Payment Deadline is not more 1000 HUF. The Average Percentage Rate table at the end of these
Interests and Charges contains the monthly credit interest rate applicable to certain credit cards.
11.a) In the first year after the transfer the monthly interest of theCitibank Instant Cash for Balance Consolidation
Service is 2.24% or 1.65% depending upon the loan appraisal decision of the Bank, in the second year after the transfer
the monthly interest equals the monthly interest applicable to the credit card type concerned.
12) The Minimum Amount Payable represents 2.8% of the aggregate amount of the credit used as stated by the Bank in
the statement following the relevant settlement period, with the addition of the due instalments related to the Equal
Payment Plan, Loan on Phone and Advanced Loan on Phone products, as well as of the aggregate amount of overlimit,
interests, default interests and the unpaid portion of the Minimum Amount Payable specified in the previous statement.
If the amount of the Credit Line Drawn exceeds HUF 2000, at least HUF 2000 is payable, while if it is less than HUF
2000, its amount will be payable as Minimum Amount Payable.
13) Cards are mailed in Hungary free of charge. In case of mailing abroad, mailing fee equalling the current tariffs of
UPS (United Parcel Services) will be charged. The fee is not charged for credit cards applied for prior to 18 June, 2012.
The fee is charged for the replacement of Citibank credit card (Main and/or Supplementary and/or Mobile card) applied
for from 18 June, 2012.
14) It is not meant to include the procedural fee charged for Late Payment over 90 days pursuant to Point V. 17. of the
General Terms and Conditions.
15) The card issuance fee is per Mobile card, payable on one occasion, charged to the card account of the Main Card
Holder after activation, on the 15th of each month or if it is not a business day on the following business day.
16) The fee is charged if the credit card agreement is terminated at the request of the Main Card Holder within 12
months of activation of the Citi Life, Shell-Citibank or Telekom-Citibank credit card. Mobil card is not issued as of 1
June, 2016.
17) HUF 250 for credit cards applied for from 10 September, 2009 until 17 June, 2012 (except for customers applying
for Platinum, Ultima, Citi Life credit cards and applying for e-statement for credit card account(s)).
18) The Bank will be entitled to charge a fee for custody from the date of the event giving ground reason for the
application of the custody. The fee for custody is charged on monthly basis.
19) General certificates are i) The certification of one or several multiple direct debit order(s), ii) The certification of the
details of existing multiple direct debit order(s), iii) The certification of transaction (debit/credit/instalment payment
services), iv) The certification of the termination of credit card agreement initiated by the Customer or the Bank, v) The
certification of the insurance linked to the credit card, vi) The certification of bank reference, vii) The certification of
transfer under the Citibank Instant Cash service, viii) The certification of balance, ix) The certification of balance
supplemented with instalment payment services, x) The certification of the amount / modification of the amount of the
credit line, xi) The certification of instalment payment services setup. All other certificates not listed under General
certificates are in the ‘Individual certificate’ category.
20.a) This fee will be included only in the statements of those customers who applied for Credit and Instalment Shield
Insurance service (not earlier than the 18th of November, 2013). The fee payable amounts to 0.79% of the credit
covered by insurance drawn and the actual balance and of the Instalment Payment Services on the last date of the
relevant settlement period, however not more than HUF 5000/month. Credit and Instalment Shield Insurance is an
optional service and its application will not influence approval of the card application. Generali Biztosító Zrt. provides the
Credit and Instalment Shield Insurance. See details of the Credit and Instalment Shield Insurance in the relevant
Insurance Terms and Conditions.
20.b) This fee will be included only in the statements of those customers who applied for Credit Shield Insurance
service (not later than the 31st of October, 2013). The fee payable amounts to 0.79% of the credit covered by insurance
drawn and subsisting on the last date of the relevant settlement period, however not more than HUF 5000/month. Credit
Shield Insurance is an optional service and its application will not influence approval of the card application. Generali
Biztosító Zrt. provides the Credit Shield Insurance. See details of the Credit Shield Insurance in the relevant Insurance
Terms and Conditions.
20.c) This fee will be included only in the statements of those customers who applied for credit shield insurance related
to Instalment Payment Services (not later than the 31st of October). The fee payable amount is defined based on the
actual balance of the Instalment Payment Services on the last date of the relevant settlement period. Credit shield
insurance is an optional service and its application will not influence the card contract. Generali Biztosító Zrt. provides
the credit shield insurance. See details of the credit shield insurance in the relevant Insurance Terms and Conditions.
21) To cancel direct debit order the Card Holder has to provide the following information: Name of the beneficiary, the
amount of the payment, the account number to be debited and the value date of the debit. The cancelation of the direct
debit will apply only for the given direct debit defined with the data listed above. The cut off time for cancelling direct
debit through CitiPhone Banking is 4 p.m previous day.
22) Using Loan on Phone service is indispensable for this Transaction.
–2–
Equal Payment Plan (Automatic Equal Payment Plan) / Cash Equal Payment Plan7,
Zero Interest / Loan on Phone and Advanced Loan on Phone1
Available tenors and monthly fix interest rate3
Equal Payment Plan /
Automatic Equal Payment Plan
Cash Equal Payment Plan9
Optional availability until cancellation
of service;
optional tenor: 6–48 months;
6–48 months: 2.46%
fixed monthly interest rate
APR: 33.8%9
depending on the repayment
behavior: 2.24%, 2.33%, 2.71% the
APR is 30.5%, 31.8%, 37.8%16
Loan on Phone10
Advanced Loan on Phone14
12–60 months: 2.74%
6–60 months: 2.46%
APR: 39.4%15, 39.6%21, 39.7%22
APR: 34.8%11
12–60 months: 2.16–2.74%
APR: 35%12
APR: 30.2%–39.4%18
APR: 35.2%13
APR: 30.4%–39.6%19
APR: 30.5%–39.7%20
Zero Interest
Minimum amount of Purchase and Cash4 transactions for which Equal
Payment Plan/Cash Equal Payment Plan services may be required:
HUF 50 0002
Minimum amount of Cash4 and Purchase transactions for which Automatic
Equal Payment Plan may be required: HUF 15 000, in case of Automatic
Equal Payment Plan set up after July/01/2016: HUF 20 000.2
Minimum amount of transfer from credit card to another account through
CitiPhone, for which the Loan on Phone service is available: HUF 50 000
Minimum amount of transfer from credit card to another account through
CitiPhone, for which the Advanced Loan on Phone service is available:
HUF 100 000
Zero Interest – Applicable exclusively for Citi Life credit cards, at certain
Partners, in case of purchase transaction of at least HUF 20 000 (or in case
of purchase transactions of other amounts as stated in promotions by the
Bank and the Partner) completed with Citi Life credit card
2 months: 0% (APR: 0%)17
Preferential cash withdrawal fee on cash-type transactions on ATMs
under Equal Payment Plan / Cash Equal Payment Plan
2%, minimum HUF 1 000
In case of credit card contracts before 1 March 2010:
HUF 5 000
In case of credit card contracts
1% of the pre-payed amount
Fee payable for partial prepayment in connection
(if the period between the date of early repayment
after 1 March 2010:
with Equal Payment Plan / Cash Equal Payment
and the date of expiry of the given maturity exceeds one year)
Plan and with Loan on Phone and Advanced Loan
on Phone5
Fee payable for full prepayment in connection with
Equal Payment Plan / Cash Equal Payment Plan
and with Loan on Phone and Advanced Loan on
Phone5
or 0.5%
(if the period between the date of early repayment
and the date of expiry of the given maturity does not exceed one year)8
In case of credit card contracts before 1 March 2010:
HUF 10 000
In case of credit card contracts
1% of the pre-payed amount
(if the period between the date of early repayment
after 1 March 2010:
and the date of expiry of the given maturity exceeds one year)
or 0.5%
(if the period between the date of early repayment
and the date of expiry of the given maturity does not exceed one year8
Fee payable for partial and full repayment in connection with Zero Interest and Automatic Equal Payment Plan
1) Exclusively Cardholders entitled to temporary Credit line increase approved by the Bank following a credit risk
assessment may apply for Advanced Loan on Phone service. Any amounts repaid from Advanced Loan on Phone will
not added to the Available Credit Line; that means, this part of the Credit Line is not a revolving credit, though the
Advanced Loan on Phone makes part of the Credit Line – with the exceptions specified in the General Contracting
Conditions. Instalments of Advanced Loan on Phone will be debited every month, on the turning date.
2) In case of Automatic Equal Payment Plan the limit amount is to be understood by Transactions in the case of Cash
Withdrawal and Purchase Transactions, but in case of Equal Payment Plan Transactions may be cumulated in the
event of purchase-type transactions (Purchase).
3) The amount of the first repayment instalment may differ for Equal Payment Plan / Zero Interest and for Loan on
Phone and Advanced Loan on Phone.
4) Cash Withdrawal – shall mean a cash withdrawal Transaction performed on ATM; as well as making cash available
for the Card Holder by a Merchant entitled to do so; any Transaction effected using the Card in post offices, casinos,
currency exchanges; cash transfer using the Card; and any other Transaction ordered to be handled identically with
Cash Withdrawal by the Card Company or the Bank from time to time; internal carryover by the Card Holder to a retail
bank account kept by the Bank through Citibank Online or transfer from the Card to another account through the phonein customer service shall be deemed as Cash Withdrawal;
5) Partial and full prepayment fee is to be understood by each Equal Payment Plan / Cash Equal Payment Plan and for
Loan on Phone and Advanced Loan on Phone. The portion over the minimum amount applicable for the product
concerned and specified in the above table (HUF 50 000 for Equal Payment Plan / Cash Equal Payment Plan and for
Loan on Phone and HUF 100 000 for Advanced Loan on Phone) may be prepaid at maximum. In case the credit card
contract terminated based on the General Terms and Conditions section XI. 1.1–1.6 the full prepayment fee is not
charged.
6) Monthly interest rate of Advanced Loan on Phone products for credit card requested before 27 November 2008:
2.21–2.5%, APR: 28.5–36.8%
7) Cash Equal Payment Plan cannot be applied from 1 October, 2009.
8) Pre-payment fee is not charged in case of pre-payment once in 12 months up to HUF 200 000.
9) The APR has been determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the
Government Decree 83/2010. (III.25.) on the determination, calculation and publication of the annual percentage rate
for a loan amount of HUF 500 000, a term of 3 years and a fixed monthly interest rate of 2.46%. Please remember that
for each settlement period you are required to repay at least the minimum amount defined in the statement of account.
10) The APR of Loan on Phone products for credit cards applied before 15 July 2010: 33.8%. The APR has been
determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government Decree 83/2010
(III.25.) on the determination, calculation and publication of the annual percentage rate for a loan amount of HUF
500 000, a term of 3 years and a fixed monthly interest rate of 2.46%. Please remember that for each settlement period
you are required to repay at least the minimum amount defined in the statement of account.
11) The APR of Loan on Phone products for credit cards applied till 31th of Dec 2012: 34.8%. The APR has been
determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government Decree 83/2010.
(III.25.) on the determination, calculation and publication of the annual percentage rate for a loan amount of HUF
500 000, a term of 3 years, a fixed monthly interest rate of 2.46% and the set up fee (0,988% of the loan amount, min
HUF 3000 max HUF 10 000). Please remember that for each settlement period you are required to repay at least the
minimum amount defined in the statement of account.
12) The APR of Loan on Phone products for credit cards applied from 1st of Jan 2013 until 4th of August 2013: 35%. The
APR has been determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government
Decree 83/2010. (III.25.) on the determination, calculation and publication of the annual percentage rate for a loan
amount of 500 000 HUF, a term of 3 years, a fixed monthly interest rate of 2.46% and the set up fee (0.988% of the loan
amount, min HUF 3000 max HUF 10 000) and Commission of Installment Payment Services (0.2% of the disbursed
loan). Please remember that for each settlement period you are required to repay at least the minimum amount defined
in the statement of account.
13) The APR of Loan on Phone products for credit cards applied for as of 5th of August 2013: 35.2%. The APR has
been determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government Decree
83/2010. (III.25.) on the determination, calculation and publication of the annual percentage rate for a loan amount of
HUF 500 000, a term of 3 years, a fixed monthly interest rate of 2.46% and the set up fee (0.988% of the loan amount,
min HUF 3000 max HUF 10000). Please remember that for each settlement period you are required to repay at least
the minimum amount defined in the statement of account.
14) APR: 30.8–39.4% from loan application date 15th of July 2010 to 11th of December 2012 the APR has been
determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government Decree 83/2010.
(III.25.) on the determination, calculation and publication of the annual percentage rate for a loan amount of 500 000
HUF, a term of 3 years, a fixed monthly interest rate or 2.21% or 2.75% depending on the repayment behavior and the
set up fee for loan disbursement: 0.9% of the loan amount, min 3000 HUF, maximum 10 000 HUF. Please remember
HUF 0
that for each settlement period you are required to repay at least the minimum amount defined in the statement of
account.
15) From loan application date 12th of December 2012 and based on basis of Act CLXII of 2009 on Credits Extended to
Consumers and the Government Decree 83/2010. (III.25.) on the determination, calculation and publication of the
annual percentage rate for a loan amount of 500 000 HUF, a term of 3 years, a fixed monthly interest rate 2.74%
depending on the set up fee for loan disbursement is 0.988% of the loan amount, min HUF 3000 max HUF 10 000.
Please remember that for each settlement period you are required to repay at least the minimum amount defined in the
statement of account.
16) The APR has been determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the
Government Decree of 83/2010. (III.25.) on the determination, calculation and publication of the annual percentage rate
for a loan amount of HUF 500 000, a term of 3 years, a fixed monthly interest rate of 2.24% (APR: 30.5%), 2.33% (APR:
31.7%) 2.71% (APR: 37.8%) depending on the repayment behavior. Please remember that for each settlement period
you are required to repay at least the minimum amount defined in the monthly statement of account.
17) The APR has been determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the
Government Decree of 83/2010. (III.25.) on the determination, calculation and publication of the annual percentage rate
for a loan amount of HUF 500 000, a term of 3 years, a fixed monthly interest rate of 0.00% depending on the
repayment behavior. Please remember that for each settlement period you are required to repay at least the minimum
amount defined in the monthly statement of account. Terms may vary by Partners during the promotion, prevailing
terms can be found at the website of www.citilife.hu. Terms may vary by Partners during the promotion, prevailing terms
can be found at the website of www.citilife.hu
18) The APR of Advanced Loan on Phone products for credit cards applied until 31st of December 2012: 30.2% (in the
case of a monthly interest rate of 2.16%), 39.4% (in the case of a monthly interest rate of 2.74%). The APR has been
determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government Decree 83/2010.
(III.25.) on the determination, calculation and publication of the annual percentage rate for a loan amount of 500 000
HUF, a term of 3 years, a fixed monthly interest rate of 2.16%, 2.74% and the set up fee (0.988% of the loan amount,
min HUF 3000 max HUF 10 000) and Commission of Installment Payment Services (0.2% of the disbursed loan).
Please remember that for each settlement period you are required to repay at least the minimum amount defined in the
statement of account.
19) The APR of Advanced Loan on Phone products for credit cards applied for from 1st of January 2013 until 4th of
August 2013: 30.4% (in the case of a monthly interest rate of 2.16%), 39.6% (in the case of a monthly interest rate of
2.74%. The APR has been determined on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the
Government Decree 83/2010. (III.25.) on the determination, calculation and publication of the annual percentage rate
for a loan amount of 500 000 HUF, a term of 3 years, a fixed monthly interest rate of 2.16%, 2.74% and the set up fee
(0.988% of the loan amount, min HUF 3000 max HUF 10 000) and Commission of Installment Payment Services (0.2%
of the disbursed loan). Please remember that for each settlement period you are required to repay at least the minimum
amount defined in the statement of account.
20) The APR of Advanced Loan on Phone products for credit cards applied for as of 5th of August 2013: 30.5% (in the
case of a monthly interest rate of 2.16%), 39.7% (in the case of a monthly of a 2.74%). The APR has been determined
on the basis of Act CLXII of 2009 on Credits Extended to Consumers and the Government Decree 83/2010. (III.25.) on
the determination, calculation and publication of the annual percentage rate for a loan amount of 500 000 HUF, a term
of 3 years, a fixed monthly interest rate of 2.16%, 2.74% and the set up fee (0.988% of the loan amount, min HUF 3000
max HUF 10 000) and Commission of Installment Payment Services (0.2% of the disbursed loan). Please remember
that for each settlement period you are required to repay at least the minimum amount defined in the statement of
account.
21) The APR of Advanced Loan on Phone products for credit cards applied for from 1st of January 2013 until 4th of
August 2013: 39.6% (in the case of a monthly interest rate of 2.74%).The APR has been determined on the basis of Act
CLXII of 2009 on Credits Extended to Consumers and the Government Decree 83/2010. (III.25.) on the determination,
calculation and publication of the annual percentage rate for a loan amount of 500 000 HUF, a term of 3 years, a fixed
monthly interest rate of 2.74% and the set up fee (0.988% of the loan amount, min HUF 3000 max HUF 10 000) and
Commission of Installment Payment Services (0.2% of the disbursed loan). Please remember that for each settlement
period you are required to repay at least the minimum amount defined in the statement of account.
22) The APR of Advanced Loan on Phone products for credit cards applied for as of 5th of August 2013: 39.7% (in the
case of a monthly interest rate of 2.74%) The APR has been determined on the basis of Act CLXII of 2009 on Credits
Extended to Consumers and the Government Decree 83/2010. (III.25.) on the determination, calculation and publication
of the annual percentage rate for a loan amount of 500 000 HUF, a term of 3 years, a fixed monthly interest rate of
2.74% and the set up fee (0.988% of the loan amount, min HUF 3000 max HUF 10 000) and Commission of Installment
Payment Services (0.2% of the disbursed loan). Please remember that for each settlement period you are required to
repay at least the minimum amount defined in the statement of account.
–3–
Credit Card annual percentage rates (APR) by card types
Based on Act CLXII of 2009 on Consumer Loans and Government Decree No. 83/2010. (III.25.) on the Determination, Calculation and Publication of the Annual Percentage
Rate, the APR relates to a credit facility of the amount of HUF 375,000 provided for a term of 12 months, monthly credit interest, with regard to the annual or monthly card fee
and the monthly account management fees. We wish to draw your attention to the fact that you are required to repay at least the minimum payable amount determined in the
monthly account statement in each settlement period.
Credit cards applied for as of
January , 2016
Citi Life Credit Card,
Telekom-Citibank Credit Card
Platinum Credit Card
Ultima Credit Card
Credit cards applied for between
July 1, 2014 and Dec 31, 2015
Citi Life Credit Card
Shell-Citibank Credit Card
Telekom-Citibank Credit Card
Platinum Credit Card
Ultima Credit Card
Credit cards applied for between
Jan. 1, 2013 and June 30, 2014
Citi Life Credit Card
Shell-Citibank Credit Card
Telekom-Citibank Credit Card
Platinum Credit Card
Ultima Credit Card
Minimum credit
amount (HUF)
Maximum credit
amount (HUF)
100 000
200 000
300 000
From 375 000
375 000
From 600 000
375 000
From 600 000
199 000
299 000
374 000
Minimum credit
amount (HUF)
100 000
200 000
300 000
From 375 000
375 000
From 600 000
375 000
From 600 000
Minimum credit
amount (HUF)
100 000
200 000
300 000
From 375 000
375 000
From 600 000
375 000
From 600 000
Credit cards applied for between
April 1, 2012 and Dec. 31, 2012
Minimum credit
amount (HUF)
Citi Life Credit Card;
Shell-Citibank and Telekom-Citibank
Credit Card applied for as of June 18,
2012.
100 000
200 000
300 000
From 375 000
100 000
200 000
300 000
From 375 000
100 000
200 000
300 000
From 375 000
250 000
300 000
From 375 000
100 000
200 000
300 000
From 375 000
250 000
300 000
From 375 000
375 000
From 600 000
375 000
From 600 000
Citi Life Credit Card application in Citi
Plusz Package or application based on
online registration (except for change of
credit card type)
Shell–Citibank Silver Credit Card
Shell–Citibank Gold Credit Card
Magyar Telekom–Citibank Silver Credit
Card
Magyar Telekom–Citibank Gold Credit
Card
Platinum Credit Card
Ultima Credit Card
Credit cards applied for
between Jan. 1, 2016 and June 30, 2016
Monthly interest on credit
APR
2.04%
2.42%
2.55%
2.64%
2.15%
2.33%
1.49%
2.08%
40.2%
39.8%
39.7%
40.2%
39.6%
38.4%
37.7%
40.0%
599 000
599 000
Maximum
credit amount
(HUF)
199 000
299 000
374 000
599 000
599 000
Maximum
credit amount
(HUF)
199 000
299 000
374 000
599 000
599 000
Maximum
credit amount
(HUF)
199 000
299 000
374 000
199 000
299 000
374 000
199 000
299 000
374 000
299 000
374 000
199 000
299 000
374 000
299 000
374 000
599 000
599 000
Credit cards applied for between
July 1, 2014 and Dec. 31, 2014
Monthly interest
APR
on credit
2.10%
2.49%
2.64%
2.70%
2.24%
2.49%
1.69%
2.14%
41.3%
41.0%
41.3%
41.3%
41.3%
41.2%
41.4%
41.2%
Credit cards applied for between
Jan. 1, 2013 and June 30, 2013
Monthly interest
APR
on credit
2.31%
2.70%
2.85%
2.91%
2.45%
2.68%
1.89%
2.31%
44.9%
44.5%
44.8%
44.9%
44.9%
44.5%
45.0%
44.1%
Credit cards applied for between
April 1, 2012 and June 17, 2012
Monthly interest
APR
on credit
2.46%
2.85%
2.95%
2.95%
2.04%
2.04%
2.04%
2.04%
2.04%
2.61%
2.77%
2.85%
2.15%
2.42%
2.46%
2.04%
2.61%
2.77%
2.85%
2.15%
2.42%
2.46%
2.49%
2.68%
1.90%
2.31%
43.2%
44.9%
44.9%
44.3%
36.3%
31.8%
30.3%
29.7%
43.9%
44.7%
44.5%
44.7%
43.0%
45.2%
43.3%
43.9%
44.7%
44.5%
44.7%
43.0%
45.2%
43.3%
45.4%
44.3%
45.0%
44.0%
APR
2.00%
39.6%
2.00%
30.1%
2.15%
39.6%
1.49%
37.7%
Credit cards applied for between
Jan. 1, 2015 and June 30, 2015
Monthly interest
APR
on credit
2.08%
2.49%
2.61%
2.68%
2.23%
2.48%
1.67%
2.13%
41.1%
41.1%
40.8%
41.1%
41.1%
41.1%
41.0%
41.0%
Credit cards applied for between
July 1, 2013 and Dec. 31, 2013
Monthly interest
APR
on credit
2.20%
2.61%
2.77%
2.77%
2.31%
2.61%
1.80%
2.23%
43.0%
43.0%
43.4%
42.5%
42.5%
43.3%
43.3%
42.7%
Credit cards applied for between
June 18 and June 30, 2012
Monthly interest
APR
on credit
Credit cards applied for between
July 1, 2015 and Dec 31, 2015
Monthly interest
APR
on credit
2.04%
2.46%
2.60%
2.64%
2.20%
2.45%
1.49%
2.10%
40.4%
40.6%
40.6%
40.4%
40.6%
40.6%
37.9%
40.5%
Credit cards applied for between
Jan. 1, 2014 and June 30, 2014
Monthly interest
APR
on credit
2.14%
2.55%
2.68%
2.73%
2.23%
2.54%
1.73%
2.15%
42.0%
42.0%
41.9%
41.8%
41.1%
42.1%
42.1%
41.3%
Credit cards applied for between
July 1, 2012 and Dec. 31, 2012
Monthly interest
APR
on credit
2.31%
2.77%
2.85%
2.95%
44.7%
45.5%
44.6%
45.4%
2.31%
2.77%
2.91%
2.95%
44.7%
45.5%
45.6%
45.4%
2.49%
2.68%
1.90%
2.31%
45.4%
44.3%
45.0%
44.0%
2.52%
2.77%
1.95%
2.42%
46.0%
45.8%
45.9%
45.9%
Credit cards applied for prior to April 1, 2012
Citi Life Credit Card
Citi Life Credit Card application in Citi Plusz Package or application based on online registration (except for change of credit card type)
Shell-Citibank Silver Credit Card
Shell-Citibank Gold Credit Card
Magyar Telekom–Citibank Silver Credit Card
Magyar Telekom–Citibank Gold Credit Card
Platinum Credit Card
Ultima Credit Card
Citibank Silver Credit Card
Citibank Gold Credit Card
Malév–Citibank Silver Credit Card
Malév–Citibank Gold Credit Card
Citi Life Credit Card (approved until November 28, 2011)
T-Mobile–Citibank Silver Credit Card
T-Mobile–Citibank Gold Credit Card
–4–
Credit cards applied for as of July 1, 2016
Monthly interest on credit
Monthly interest on credit
APR
2.95%
2.04%
2.95%
2.95%
2.95%
2.95%
2.45%
2.08%
2.95%
2.95%
2.95%
2.95%
2.95%
2.95%
2.95%
44.5%
29.8%
46.8%
53.1%
46.8%
53.1%
44.7%
48.3%
46.2%
52.1%
46.8%
53.1%
45.9%
45.4%
49.7%