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Terms & Conditions

 

What are flex cards?
Today, more than ever before, it is important to find ways to reduce your expenses, without having to cut down on your purchases. That’s why Citibank has created the innovative flex cards range with a flexible rate.

With the new flex credit card you will take advantage of:
  • Reduced interest rate until 6 points Vs. your conventional interest rate
  • All the advantages of Citibank and Diners cards. For Diners Flex cards press here

How and how much is your card rate reduced?
The interest rate of the new flex credit card is reduced for all your new purchases and remains low, if you simply make at least the monthly minimum payment on time, and it can be reduced even more, if you use your card for your purchases on a frequent basis. More specifically, the rate can be reduced by:

  • 4 points, if you simply make at least the monthly minimum payment on time.
  • 6 points, if you also use your card for purchases higher than €300 per month.

Example

How the Flex Card works

Your cards conventional interest rate is 19,20%*

Transactions Amount

 

Interest Rate

JAN

€200

First statement issued at 10/1

 

 

The interest rate for new retail purchases between 10/01 and 10/02, is equal to 15.20% instead of 19.20% (conventional rate).

15,20%

FEB

€350

Statement issued at 10/2

 

 

The interest rate for new retail purchases between 10/02 and 10/03 remains constant to 15.20% instead of 19.20% (conventional rate) since you made the monthly minimum payment on time and you used your card for purchases lower than €300 in the previous month.

15,20%

MAR

€400

Statement issued at 10/3

 

 

The interest rate for new retail purchases between 10/03 and 10/04 is going to be reduced to 13.20% instead of 19.20% (conventional rate) since you made the monthly minimum payment on time and you used your card for purchases higher than €300 in the previous month.

13,20%

APR

€300

Statement issued at 10/4

 

 

The interest rate for new retail purchases between 10/04 and 10/05 remains reduced to 13.20% instead of 19.20% (conventional rate) since you made the monthly minimum payment on time and you used your card for purchases higher than €300 in the previous month.

13,20%

*This particular example is about the Citibank Flex Card, according to the specific terms and conditions for granting a flex card. SEPPE for 3.000€ purchases that is paid in 12 monthly instalments with annual interest rate 19.2% plus 0.6% (charge under law 128/75) and annual fee 50€, is 21.18%.

 

 

 

 

 

 

 

 
 
 
 
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