Product Specific Terms and Conditions
Your total balance transfers may not exceed 80% of your credit limit. The promotional rate of 0.9% p.a. applies to balances transferred with this offer at point of application for a promotional period of 15 months. The 15 month promotional period commences once the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest-free days on retail purchases while you have a balance transfer. This means all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 October 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
The promotional rate of 0.9% p.a. applies to retail purchases for a promotional period of 15 months from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 14.99% p.a., will apply to any outstanding retail purchases and any new retail purchases.Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 October 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
To access the full Terms and Conditions related to this product, click here.
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