Effective Interest Rate (“EIR”): 25.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received.
From 28 January 2019, effective interest rate for credit card purchases, personal loan finance charges & prevailing rate for fund transfers (if you are not on any promotional rate) will be 26.90% p.a.
S$192.60 including GST. This annual fee is waived off for the first two years.
Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
Late payment charges
A late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card and funds transfer account(s) will be adjusted to 28% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 25.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.
Personal Banking: (65) 6747 7000
Unlimited Cashback Credit Card
Benefits: 1.5% cashback on all spend, All-in-one card, S$100 cashback or S$150 in Prime Now Credits, Up to 50% off a la carte dining, Fund transfers, EasyPay.
American Express CapitaCard
Benefits: S$60 CapitaVouchers, American Tourister Erie 67/24 luggage worth S$200, Complimentary parking across CapitaLand Malls, STAR$® Xtra Programme.
Spree Credit Card
Benefits: 3% cashback on all online spend in foreign currency, 2% cashback on all online spend in local currency, Online Shopping Protection, Fund transfers, EasyPay.
MoneyGuru SIA, Address: Cālīšpurva street 27, Baloži, Latvia, LV-2128
Registration number: 41503072001 Bank: Swedbank AS, E-mail: email@example.com
Copyright © MoneyGuru 2012-2019. All rights reserved.