Citibank is one of the world's leading global banks, offering credit cards, personal loans, and other financial products.
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Citibank operates in more than 160 countries, servicing 200 million customers all over the world. It offers a variety of services, from corporate and investment banking to private banking and wealth management. Citibank opened its Singapore branch in 1902 as the International Banking Corporation (IBC). It was the first bank from the United States to establish itself in Singapore.
To be a Citi credit cardmember, you must be at least 21 years old. Singaporeans and Permanent Residents must earn at least S$30,000 a year to qualify, while foreigners must earn at least S$42,000 a year.
No, you do not need to have a Citibank deposit or savings account to enjoy Citi credit cards and Citi Ready Credit personal loans. For Citi Ready Credit loans, funds may be collected through your banking branch, or directly credited to your own bank account.
We compare loans that can be paid back over terms of between 12 months and 60 months. The effective interest rate (EIR) you will be charged depends on your personal circumstances, and will be between 8.5% p.a. and 14.94% p.a.
This is a representative example of what it may cost: a loan of S$10,000 over 36 months at 4.8% p.a. nominal interest would equate to monthly repayments of S$317.77 and the total cost of the loan that you pay back would be S$11,440.
The effective interest rate (EIR) you will be charged depends on your personal circumstances. Typically the lowest EIR charged by bank ranges between 5.0% p.a. to 20.0% p.a. depending on the choice of banks and products.