Tariff - Personal Unsecured Loans

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Credit Cards/ Unsecured Loans

	Denominated in US Dollars			Denominated in Singapore Dollars
	US$ Premier	US$ Gold	US$ Classic	Premier	Platinum	Revolution	Gold	Classic^*	Personal line of credit	Personal loan
Annual fee	FREE	US$65^#	US$15^#	FREE	S$180^#	S$150^#	S$125^#	S$36^#	S$60	N.A.
Supplementary card	FREE	US$40^#	US$10^#	FREE	FREE	N.A.	FREE	FREE	N.A.	N.A.
The Choice Card	N.A.	N.A.	N.A.	FREE	FREE	N.A.	FREE	FREE	N.A.	N.A.
Late charge	US$45⁺	US$45⁺	US$45⁺	S$45⁺	S$45⁺	S$45⁺	S$45⁺	S$45⁺	S$30	S$10
Card replacement fee^# (for lost/stolen card)	FREE	US$20	US$20	FREE	S$20	S$20	S$20	S$20	N.A.	N.A.
Unsuccessful standing instructions/GIRO	US$30⁺	US$30⁺	US$30⁺	S$30⁺	S$30⁺	S$30⁺	S$30⁺	S$30⁺	S$30	N.A.
Returned cheque fee: i) due to lack of funds for: - 1st and 2nd occasions - 3rd occasion thereafter ii) due to technical reasons	US$30⁺	US$30⁺	US$30⁺	S$30⁺	S$30⁺	S$30⁺	S$30⁺	S$30⁺	S$50 S$100 S$10	N.A.
Retrieval of statements^#	US$5 per statement (3 to 12 months old) US$10 per statement (more than 12 months)	US$5 per statement (3 to 12 months old) US$10 per statement (more than 12 months)	US$5 per statement (3 to 12 months old) US$10 per statement (more than 12 months)	S$5 per statement (3 to 12 month old) S$10 per statement (more than 12 months)	S$5 per statement (3 to 12 month old) S$10 per statement (more than 12 months)	N.A.	S$5 per statement (3 to 12 month old) S$10 per statement (more than 12 months)	S$5 per statement (3 to 12 month old) S$10 per statement (more than 12 months)	S$20	N.A.
Retrieval of sales draft^#	US$5 per copy (current to 3 months) US$10 per copy (more than 3 months)	US$5 per copy (current to 3 months) US$10 per copy (more than 3 months)	US$5 per copy (current to 3 months) US$10 per copy (more than 3 months)	S$5 per copy (current to 3 months) S$10 per copy (more than 3 months)	S$5 per copy (current to 3 months) S$10 per copy (more than 3 months)	S$5 per copy (current to 3 months) S$10 per copy (more than 3 months)	S$5 per copy (current to 3 months) S$10 per copy (more than 3 months)	S$5 per copy (current to 3 months) S$10 per copy (more than 3 months)	N.A.	N.A.
Cash Advance Fee	5% of cash advance amount or US$15 (whichever is higher)	5% of cash advance amount or US$15 (whichever is higher)	5% of cash advance amount or US$15 (whichever is higher)	5% of cash advance amount or S$15 (whichever is higher)	5% of cash advance amount or S$15 (whichever is higher)	5% of cash advance amount or S$15 (whichever is higher)	5% of cash advance amount or S$15 (whichever is higher)	5% of cash advance amount or S$15 (whichever is higher)	N.A.	N.A.
Foreign Currency Transaction Fee	1.5% of transaction amount	1.5% of transaction amount	1.5% of transaction amount	1.5% of transaction amount	1.5% of transaction amount	1.5% of transaction amount	1.5% of transaction amount	1.5% of transaction amount	N.A.	N.A.
Interest (p.a)	24%	24%	24%	24%	24%	24%	24%	24%	16.5% Should interest charges be applicable, a minimum of S$10 per month applies	7.5%^{^}
Mileage Programme Enrolment Fee^#	US$24 per annum	US$24 per annum	US$24 per annum	S$40 per annum	S$40 per annum	S$40 per annum	S$40 per annum	S$40 per annum	N.A.	N.A.
Income Tax/Property Tax/TV License payment administrative charges	0.5% of payment amount	0.5% of payment amount	0.5% of payment amount	0.5% of payment amount	0.5% of payment amount	0.5% of payment amount	0.5% of payment amount	0.5% of payment amount	N.A.	N.A.
Interest rate charged on balance in excess of credit limit	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	3% p.a. above prevailing interest rate	N.A.
Processing fee	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	Please refer to the charges as indicated in the Notification Letter or Letter of Offer
Overdue interest	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	Please refer to the charges as indicated in the Notification Letter or Letter of Offer
Account closure within 6 months of opening	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	N.A.	S$40	N.A.	N.A.
* Care For Nature Card and Classic Credit Card share the same tariff. ^# Subject to prevailing GST. ⁺ Fees are effective from 1 September 2008. ^{^} The interest rate of 7.5% p.a. is calculated based on front-end and add-on method. The effective interest rates are 13.80% p.a. for 2 years, 13.69% p.a. for 3 years, 13.5% p.a. for 4 years, 13.32% p.a. for 5 years, 13.12% p.a. for 6 years and 12.93% p.a. for 7 years.
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