How much should you pay?

Cardholders are required to pay a minimum amount each month, usually equivalent to a percentage of the total outstanding balance on the card. You should always at least pay the minimum amount due on time.

Whenever possible, pay your bill in full every month. Otherwise, your balance will be carried forward to the following month (often referred to as "revolving balance") and the total sum unpaid will be subject to interest charges. If you do not pay the minimum sum by the due date, late fees will be charged to your account.

If you pay your card in full by due date:

  1. No late fees
  2. No interest charges

If you pay at least the minimum, but not the full sum by due date:

  1. No late fees
  2. Interest will be charged

If you don't pay your bill by due:

  1. Late fees will be charged
  2. Interest will be charged

The above is only applicable when your outstanding bill does not contain cash withdrawals made from ATMs or cash advances or similar programs. While it's easy to make a cash advance, it comes with a fee and is charged an interest from the date you make the withdrawal. This means that even if you pay in full by the due date, you will still be charged interest on that cash amount taken from the ATM.

Credit cards can benefit you if used responsibly. You can enjoy discounts and privileges like rebates, rewards points and travel miles for all your retail purchases to maximize the benefits of up to 21 days interest free. However, if you do not take charge of your credit, you may find yourself in debt quickly.

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For any concerns, you may call us at (632) 8995-9999 or send us a message through
Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087.