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Old 16-04-2008, 10:08 AM   #1
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Credit Card Charges/Fees

UOB

Interest Charge: 24% pa (min. charge of $2.50)
Card Fee: As determined by your card

Late Payment Charge: $45 per month

Transactions in foreign Currencies: 1.5% of the transaction amount

Cash Advance Charges/Fees
Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)
Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

Cash withdrawal on UOB ATMs in Singapore: Free
Cash withdrawal on ATMs overseas: S$5 per withdrawal
Cash withdrawal on UOB ATMs in Malaysia: S$2 per withdrawal
Cash withdrawal on shared ATM NETS: 2 free transactions per month; S$0.30 per transaction for subsequent transactions


Minimum Payment Amount
< $50.00 : Current Balance
> $50.00 & < Limit : 3% of current balance or $50.00, whichever is higher.
> $50.00 & > Limit : 3% of credit limit, plus excess over credit limit, plus any overdue charges.

Replacement Fee
Replacement Card : $20 per card



DBS/POSB

Interest Charge: 24% pa (min. charge of $2.50)
Card Fee: As determined by your card

Late Payment Charge: $45 per month

Transactions in foreign Currencies: 1.5% of the transaction amount

Cash Advance Charges/Fees
Interest Charge: 2% per month (charged on a daily basis from the date of withdrawal until payment received)
Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

Minimum Payment Amount
3% of current balance or $50.00, whichever is higher.
For over limit accounts: Min. amount specified plus over-limit amount.

Retrieval Fee
Sales Draft : $5 per copy




OCBC

Interest Charge: 24% pa (min. charge of $2.50)
Card Fee: As determined by your card

Late Payment Charge: $50 per month

Transactions in foreign Currencies: 1.5% of the transaction amount

Cash Advance Charges/Fees
Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)
Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

Minimum Payment Amount
3% of total balance or $50.00, whichever is higher, plus any overdue amount and excess in credit limit




Citibank

Interest Charge: 2% per month (min. charge of $3)
Interest Charge (CitiClear Card): 2.34% per month (min. charge of $3)
Card Fee: As determined by your card

Late Payment Charge: $45 per month

Transactions in foreign Currencies: 1.5% of the transaction amount

Cash Advance Charges/Fees
Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)
Interest Charge (CitiClear Card): 2.34% per month (min. charge of $3)
Cash Advance Fee: 5% of Cash Advance amount (min. charge $10)

Minimum Payment Amount
CitiClear Card
Within Credit Limit - 1% of current balance or $25.00, plus interest charge, plus late payment charge, plus any overdue amount, whichever is greater.

Exceed Credit Limit - 1% of current balance or $25.00, plus interest charge, plus late payment charge, plus any overdue amount, amount in excess in credit limit, whichever is greater.

Other Citibank Credit Cards
Within Credit Limit - 1% of current balance or $50.00, plus interest charge, plus late payment charge, plus any overdue amount, whichever is greater.

Exceed Credit Limit - 1% of current balance or $50.00, plus interest charge, plus late payment charge, plus any overdue amount, amount in excess in credit limit, whichever is greater.

Service Fee
Dishonoured Check/Payment Order : $25
Overlimit Fee : $40

Retrieval Fee
Sales Draft
Current to 2 months old : $5 per copy
more than 2 months to 1 year old : $15 per copy

Account Statement
Current to 2 months old : Free
more than 2 months to 1 year old : $15 per copy
more than 1 year to 5 years old : $30 per copy
more than 5 years old : $100 per copy




Maybank

Interest Charge: 24% pa (min. charge of $2.50)
Card Fee: As determined by your card

Late Payment Charge: 5% of minimum payment due or $35, whichever is higher.

Transactions in foreign Currencies: 1% of the transaction amount

Lost Card Liability: Limited to $500 before report.
$0 after report.

Cash Advance Charges/Fees
Interest Charge: 24% pa (charged on a daily basis from the date of withdrawal until payment received)
Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)
Overseas cash withdrawal fee: Maybank ATMs - $3 per transaction
Non-Maybank ATMs - $5 per transaction

Minimum Payment Amount
3% of outstanding balance or S$20, whichever is higher, plus any outstanding amount "Past Due" from previous statements.

[LEFT]Accounts that are over limit: 3% for Classic of the credit limit plus the excess over the credit limit.

Other Charges
Fund Transfer Administration Fee : S$20 per transfer
Request for Printed Statement : S$2 per copy^^
Request for Separate Supplementary Statement : S$2 per copy^^
Request for Resend of eStatement (up to past 12 months) : Free
Returned Cheque : S$40 per cheque
Returned GIRO : S$40 per item
Request for Duplicate Copy of Sales Draft/Statement : S$5 per copy
Card Replacement : S$30
Card PIN Replacement : Free
Rewards Infinite Membership : S$18 per annum or 4,500 tr'eats Points



Standard Chartered

Interest Charge: 24% pa (min. charge of $2.50)
Card Fee: As determined by your card

Late Payment Charge:
New Balance Amount : Late Payment Charge
Up to $1000.00 : $35
$1000.01 to $3000.00 : $45
$3000.01 and above : $60

Transactions in foreign Currencies: 1% of the transaction amount

Cash Advance Charges/Fees
Interest Charge: 0.067% per day (charged on a daily basis from the date of withdrawal until payment received)
Effective Interest Rate: 24% pa
Cash Advance Fee: 5% of Cash Advance amount (min. charge $15)

Minimum Payment Amount
Classic/Gold/Platinum Visa/Mastercard- 3% of current balance or $50.00, whichever is higher.

Retrieval Fee
Sales Draft : $5 per copy
Statement - Current to 3 months old : Free
Statement - 3 months to 1 year old : $10
Statement - 1 year to 5 years old : $20
Statement - 5 years and above : $50

Service Fee
Returned Cheque (insufficient funds) : $50
Rejected Direct Debit Authorisation (insufficient funds) : $50
Post-Dated Cheque Payment : $25
Credit Refund via Cashier's Order : $10
Branch Counter Payment : $5

Replacement fee
Replacement Card : $20 per card
Picture replacement for picture credit card : $20 per picture



HSBC

Interest Charge: 24% pa (min. charge of $2.50)
Card Fee: As determined by your card

Late Payment Charge: $40 per month

Transactions in foreign Currencies: 1.5% of the transaction amount

Cash Advance Charges/Fees
Interest Charge: 2% per month (charged on a daily basis from the date of withdrawal until payment received)
Cash Advance Fee: 5% of withdrawal amount (min. charge $15)

Minimum Payment Amount
Within Credit Limit: 3% of current balance or $50.00, whichever is higher.
Exceed Credit Limit: 3% of credit limit, plus excess over credit limit.

Replacement Fee
Replacement Card: Lost/Stolen - $20 per card
Damaged/Faulty - Free

Service Fee
Returned Cheque: $25
Rejected Direct Debit Authorisation: $25

Retrieval Fee
Sales Draft
Current to 3 months old: $5 per copy
Above 3 months: $10 per copy

Account Statement
Current to 2 months old : Free
more than 3 months to 12 months old : $5 per copy
more than 12 months old: $10 per copy

Last edited by takeshi_lum; 16-04-2008 at 01:32 PM..
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Old 16-04-2008, 10:09 AM   #2
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Will update card fees here later
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Old 16-04-2008, 10:12 AM   #3
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i know there are some points that i left out, i will update it later on also..

if u got updated details or i hav any details that i have left out, feel free to post the details here n i will do the update..

Last edited by takeshi_lum; 16-04-2008 at 10:43 AM..
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Old 16-04-2008, 07:34 PM   #4
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seriously all these info is not very usefull... becos the charges and fee are almost the same among all banks....
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Old 16-04-2008, 08:04 PM   #5
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wat does this means?
Transactions in foreign Currencies: 1.5% of the transaction amount

example i spend 1000 china yuan, hows does the exchange rate been calculated? and must add 1.5%?
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Old 16-04-2008, 11:45 PM   #6
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seriously all these info is not very usefull... becos the charges and fee are almost the same among all banks....
thats true.. but when u look at other aspects then they are different. eg. late payment charge.
the interests and some other charges are the same due to competition.

if bank A's interest is 20%pa compared 24% of bank B. which would u choose?

if u say this credit card charges/fees thread is useless or not very useful, then my other thread on credit card payment options is kinda not very useful too... all the banks have almost the same payment options avaliable.

Last edited by takeshi_lum; 16-04-2008 at 11:49 PM..
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Old 16-04-2008, 11:47 PM   #7
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wat does this means?
Transactions in foreign Currencies: 1.5% of the transaction amount

example i spend 1000 china yuan, hows does the exchange rate been calculated? and must add 1.5%?
this one means after the amount u spent in converted back to sgd, the bank will charge a 1% or 1.5% admin fee on top of the amount you spent.

amt spent will b converted by the rate determined by visa or mastercard, plus the service charge by visa/mastercard, plus admin fee by bank.
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Old 17-04-2008, 09:04 AM   #8
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thats true.. but when u look at other aspects then they are different. eg. late payment charge.
the interests and some other charges are the same due to competition.

if bank A's interest is 20%pa compared 24% of bank B. which would u choose?

if u say this credit card charges/fees thread is useless or not very useful, then my other thread on credit card payment options is kinda not very useful too... all the banks have almost the same payment options avaliable.
no one will give a damn to this kind of info at all... they are all available on website... and u are giving a booklet which stated all these when u receive a new card... did u read? no rite? then... do u think ppl will appreciate this? i dun think so....
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Old 17-04-2008, 09:05 AM   #9
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thats true.. but when u look at other aspects then they are different. eg. late payment charge.
the interests and some other charges are the same due to competition.

if bank A's interest is 20%pa compared 24% of bank B. which would u choose?

if u say this credit card charges/fees thread is useless or not very useful, then my other thread on credit card payment options is kinda not very useful too... all the banks have almost the same payment options avaliable.
yup, exactly what i feel.... just forgot to add my comment there only... thanks for reminding me....
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Old 17-04-2008, 10:11 AM   #10
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provide info at a glance. appreciate it. thanks
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Old 17-04-2008, 10:35 AM   #11
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I've to agree with ironman, this info is pretty useless.

Who apply a CC based on these charges (besides annual subscription)? And if you already have a particular card, won't it be better to refer to that card website which info is definitely up-to-date?
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Old 17-04-2008, 11:01 AM   #12
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it is useful to consolidate so that people know at a glance, rather than having to read the fine print of each CC terms and conditions.
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Old 28-04-2008, 01:14 AM   #13
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no one will give a damn to this kind of info at all... they are all available on website... and u are giving a booklet which stated all these when u receive a new card... did u read? no rite? then... do u think ppl will appreciate this? i dun think so....
you wont understand how much valuable a compilation of information are. it is easier to have a glance and double confirm from their respective websites than scrambling through each websites.

so some people may appreciate but some dont.
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Old 14-05-2008, 07:38 AM   #14
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you wont understand how much valuable a compilation of information are. it is easier to have a glance and double confirm from their respective websites than scrambling through each websites.

so some people may appreciate but some dont.
ya i agree. it's good to have all the info out at one website, esp for those who wants to apply for a new credit card/their first credit card...
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Old 08-06-2008, 10:05 PM   #15
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it is useful to consolidate so that people know at a glance, rather than having to read the fine print of each CC terms and conditions.
When going for oversea travelling, transactions in foreign currencies using SC or Maybank credit card are better.
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