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Make your purchases with a reduced interest rate.

 

Reduce your card interest rate up to 6 points!
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.
What does this mean to you?  It means that, for the first time, you have the option of reducing your card rate for your purchases, up to 6 points.

 

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.
  •  

    So, you have the option of enjoying one of the lowest rates in the Greek market, which can reach 13,20%*.


    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 specific example is about Diners cards according to the specific terms and conditions for granting a flex card. Total amount real charge rate for 3.000€ purchases that is paid in 12 monthly instalments with annual rate 19.20% and annual fee 50€, is 20.59%.


     

     

     
       
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