Late payment charges will be levied if the minimum payment is not received by the payment due date:
If minimum payment is not received by the payment due date, an additional interest rate of 3% p.a. will be added to the effective interest rate (which is also referred to as prevailing interest rate) of your Card Account, and shall take effect from the day after your next Card Account Statement date. The reinstatement to such prevailing interest rate will be effective on the first working day after your next Statement date once minimum payment is made in full on or before your payment due date.
3% of the statement balance (or S$50, whichever is greater) plus any amount that is overdue and/or exceeds your credit limit.
You shall not be liable for any transactions carried out after we have been notified of the loss, theft or disclosure.
Annual fee waiver and welcome gift (if any) are applicable to new principal cardholder only. Cardholder will not be eligible for such promotions upon approval when they re-apply for the credit card within 90 days from date of termination of the same card.