What are the eligibility requirements for getting a credit card as a foreigner? You can use the following list as a guide to the general conditions you should meet before applying for a Singapore credit card as a foreigner. Age. You must be at least 21 years of age to apply for a credit card in Singapore. Employment Offer 1: Have at least 1 transaction via the card within 30 days of card approval date. Offer 2: Have at least 3 Grab transactions via the card within 30 days of card approval date. • Have at least 1 transaction on Lazada Thailand via Citi Lazada credit card within 30 days of card approval date . For foreigners: at least 21 years old with an annual income of S$60,000 or higher Supplementary cardholders must be at least 18 years old. Your eligibility for a particular product and service is subject to a final determination by Citibank. Citi Simplicity+ Card is the ideal Visa card for worry-free shopping enjoy no annual fee forever no late and overlimit. As part of your application you'll also need to provide personal information, details of your income and debt, and any credit you already have. This is to assess your creditworthiness as part of your application. If your application is approved, you'll then have to pay a security deposit which is a minimum of $250
Citibank Credit Card Requirements For Foreigners Earning and will better access to a loan payments as an amazon prime membership in the req.. Credit Cards. Apply for a credit card online with Citi and enjoy all the privileges that come with carrying a credit card from a global bank. Experience the best shopping, dining and travel deals anywhere around the world with your Citi credit card. We are the first global bank in China to issue our own proprietary credit card. Now you can redeem rewards from an incredible selection of the world's leading brands, receive dining privileges and collect air miles to exotic holiday.
Citi PremierMiles Card. Earn 1 PremierMiles for every RM3 spent locally and 2 PremierMiles for every RM3 equivalent spent in foreign currencies and selected online travel merchants. Up to 10% cash back on fine dining and food deliveries Check eligibility criteria for all Credit Cards in India at Paisabazaar.com. Know eligibility factors like age, income, credit score and documents required You can activate the overseas usage for your Citi Credit Card in four different ways, anytime and anywhere. You may choose from any of the following methods as per your convenience. a) SMS For Permanent Use Overseas 1. Please send the SMS from the mobile phone number registered in our records. 2. SMS ACT<space>OS<space><Last four digits of your card number> to 72484 Most banks in Singapore require foreigners to have a minimum annual income of $S40,000. Some banks may opt for a minimum annual income of S$45,000 to S$60,000. For individuals above the age of 55, MAS guidelines suggest financial institutions issue credit cards if the below criteria for minimum income is met
Eligibility You may apply for a Citi credit card if you: Are at least 21 years old; Have a minimum income of: P180,000 per year if you have another credit card; P250,000 per year if you have no credit card; Have an active landline or mobile phone number; Have a valid TIN, SSS, GSIS or UMID number; A deposit account with Citi is not required When you apply for a credit card, your income is an important eligibility requirement that the issuer will use to assess your ability to repay. In Singapore, the minimum annual income requirement to apply for a credit card generally starts at S$30,000 per year; but you may still have options if your salary is lower Steps to a Citibank Credit Card Online Application. 1. Ensure You're Eligible for a Citi Credit Card You can apply for a Citi credit card if you meet these eligibility requirements: Age 21 or older; Have an annual income of at least PHP 180,000 for existing cardholders or at least PHP 250,000 for first-time credit card applicants; Have an active landline or mobile phone number; A valid TIN. Eligibility Criteria and Documents Required for the Citibank Corporate Credit Card . The eligibility criteria will be decided by the company where the employee works. The documents required will also be given by the company to the bank in order to complete the process. For more details follow this link - Citi Credit Card Detailed T&C A copy of your NRIC/passport. Last 2 years' Income Tax Notice of Assessment. Last 3 months' bank statements. Documents for Foreigner. A copy of your passport and work permit (with minimum 6 months validity) A copy of utility/telephone bill or bank statement with your name and address
Here's our guide to getting a credit card in Malaysia, for our sisters and brothers from another motherland Do try signing up at larger local banks like Maybank and RHB as well as international banks like Citibank or Standard Chartered. In the early days there was an insurance fee in case I failed to pay the monthly balance but after 26 years they do not require any bond as per Bangkok. Credit Cards Tips. Best Balance Transfers. The most competitive 0% p.a. credit card offers of 2021. Maximise Reward Points. Find the credit card that will earn you the most points for your spending Most credit card companies are able to provide an approval within a matter of moments, although there are some instances where a yes can take a few days. Be patient with the process, and be sure to promptly respond to any requests from the credit card company for follow up details or documentation. So long as your credit is strong, you have steady income, and potentially, a U.S.-based. Compare and Apply Online for a Citibank Credit Card Singapore It just take a minute to complete and submit your Citi credit card Singapore online application. Exclusive Privileges when you apply for Citi Credit Cards Enjoy the best shopping, dining and travel deals anywhere around the globe with your Citi Credit Card. Discover a world of rewards, redeem from an incredible selection of world.
Credit card eligibility criteria. You must be aged between 18 to 65. Minimum annual income must be INR4,00,000 per annum for salaried individuals. Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune # Customer can consolidate balance of a maximum of 2 Credit Cards and 2 Personal Loans. Customer can avail a debt consolidation loan of up to Rs. 15 Lakh. The final loan amount and interest rate applicable will be subject to eligibility, as per Citibank's credit processing criteria. ## Partial pre-payment is allowed after 12 months of loan. PAN Card Eligibility and Documents Required for Foreign Citizens / Entities. Foreign citizens/entities can use Form 49AA to apply for a PAN card. Here are some of the basic eligibility criteria for pan card that have to be met to obtain a PAN card: Foreign Citizens/Individuals: Foreign individuals who intend to do any financial transactions in India has to apply for PAN card by submitting. Factors Affecting Dhanlaxmi Bank Credit Card Eligibility Criteria. The applicant must check the following things while applying for a Dhanlaxmi Bank credit card. Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill
For credit card purchase of goods / services or cash advances in any foreign currency, cardholders are subject to be charged an exchange risk-hedging premium at a rate not exceeding 2.5% of the charge incurred. (Any foreign currency shall be converted to US dollars before being converted into Thai baht) Cardholders can check the conversion rate for the reference of currency conversion risk at. *For clarity, an existing Citibank Credit Card account includes an application to upgrade any existing Citibank Credit Card as well as an application for any Citibank Credit Card that has been approved by Citibank Bank even if the physical Citibank Credit Card has not been received by the customer and/or has not been activated or utilized by the customer The main credit card operators in Singapore are Visa and MasterCard. This might come as a surprise to some of you, but neither company issues the credit cards which you use. For example, the POSB Everyday Card is a MasterCard credit card that is issued by POSB. Whereas the UOB One Card is a Visa credit card issued by UOB 5. American Express True Cashback Card. 1. Standard Chartered Unlimited Cashback Card. For residents, at least 21 years old with an income of S$30,000. As one of the leading banks in Singapore, Standard Chartered offers a variety of credit cards for specific purposes, but we think their Unlimited Cashback Credit Card is one of their best
The Citibank UAE Credit Card is divided into four levels, classified according to the type of benefits provided. From travel and shopping benefits to lifestyle privileges, each Citibank plastic card provides cardholders with unparalleled benefits. The four categories are as follows: Reward cards: Citibank has a wide range of reward credit cards in the UAE, which is designed to serve customers. d) All HSBC Other Credit Card/ Debit Card credit and debit cards. To activate your Credit card you can use HSBC Singapore App. Once you receive your HSBC Credit Card, just follow the steps on the App to activate your Card in just a few taps. Alternatively, you can call 1800-4722 669 5. 5 view footnote 5 S$80,000p.a. for Foreigners Please submit copy of NRIC/Passport and income documents ; Applicants must be Singaporeans, PRs or Employment Pass Holders, and age 21-65 years old ; Age Criteria: 21 to 65 years old Eligibility: Applicants must be Singaporeans, PRs or Employment Pass Holders Annual Fee: Basic Card: S$180 (1st year FREE); Supplementary Card: S$80 (1st year FREE) Credit Limit. Transfer your other credit cards' outstanding balance to your Robinsons Bank Credit Card, payable in 3, 6, 9 or 12 monthly installment for as low as P45 one-time processing fee. T&Cs apply. Click to view Terms and Conditions Click to view the One-Time Processing Fee Call C3 (+632) 8637-2273 or email email@example.com to avail
Through Citibank's online credit card application and approval system, applicants know in just a matter of minutes if they're qualified. It takes only five to seven days to verify the submitted documents, after which the client may get his or her Citibank credit card. Citi Simplicity+ is one of Citibank's most popular cards because it doesn't come with annual fees, late payment fees. Invite a family or a friend to apply for a Citi Credit Card. Your reward for successful referrals will be credited to your account with 45 days from meeting all eligibility criteria and your friend will get an IPhone 12 or Airpods (via an iSTYLE e-voucher worth upto AED 3500) with a new Citi Credit Card subject to meeting spend criteria. T&C Apply. Refer Now. Refer a friend for a Citigold or. Credit card eligibility criteria may differ from one bank to the other depending on the purpose for which the card is availed. Some of the key eligibility parameters are listed below: The minimum tenure for a fixed deposit account must be 6 months. Applicants should have attained a minimum of 18 years of age. Applicants should have an FD account with the respective bank. A credit card against. Rewards Eligibility 21 Rewards Usage and Validity 23 0. C r e d i t C ard S i g n U p s Citi Credit Cards 1. The promotion period (Promotion Period) is between 1 - 14 June 2021 both days inclusive, unless otherwise stated. 2. All applications received after the speciﬁed Promotion Period, or submitted through any means other than speciﬁed below, will not be eligible for the Promotion.
Eligibility. The loan is eligible to Malaysian citizen or Permanent Resident working in Malaysia, age 21 to 60 years old at the time of the loan maturity, holding any Citibank's Credit Card, personal loan, car loan, home loan or overdraft for more than 2 years. Applicant must have a minimum monthly income of RM 4,000 for self employed or permanently employed. In addition, the business must. After the bank meets the eligibility criteria for the credit card application and their personal data, the applicant will receive a phone call from a travel credit card representative within 3-5 working days. They guide them through the next steps of the application process. They shall inform the applicant of the documents required to arrange a meeting to review the application and collect the. What is the eligibility for Credit Card Application. Principal Credit Card. You need to be 21 to 70 years of age. Minimum gross annual income of S$30k if you are a Singaporean, or S$45k if you are a foreigner. For Foreigners, please refer to the list of eligible work passes: Employment Pass; S Pass; Personalised Employment Pass; Long Term Visit Pass with LOC; Tech. Pass; International.
Today, almost every major credit card issuer is offering multiple card options to people looking for a low-income credit card. Even if the income eligibility criteria of these cards are relatively low, like the high-end cards,as also provide several benefits and privileges Manage your finances and have interest savings with the below services on your Credit Card(s): Personal Loan Borrow up to your available credit limit on your Credit Card. Enjoy fixed interest rate from as low as 3.88% p.a and monthly instalments of 12 to 60 months to better manage your finances. Get cash immediately to your deposit account once application is approved. No documents are. Maybank Credit Card. Get the best Maybank credit card that benefits you and your lifestyle. Maybank Manchester United Visa Infinite. DISCOVER. Annual Income. RM100,000 . 1. Get Infinite Manchester Privileges, including Bespoke VIP Trip to Old Trafford and Private Stadium Tour with MU Legend. APPLY NOW ADD TO COMPARE. 120,000 . Maybank World Mastercard. DISCOVER. Minimum Annual Income. RM100. Just dial the Citibank credit card hotline at 2860 0333 and follow the instructions. Here are some quick shortcuts: 1) Check credit card balance and transaction history: Press 2, followed by your account number. 2) Report stolen or lost Citibank credit cards: Press 2, then * 1 #. 3) Activate a new Citibank credit card: Press 2, then * 2 # . C r e d i t C ard S i g n U p s Citi Credit Cards 1. The promotion period (Promotion Period) is between 22 - 23 May 2021 both days inclusive, unless otherwise stated. 2. All applications received after the speciﬁed Promotion Period, or submitted through any means other than speciﬁed below, will not be eligible for the Promotion.
Eligibility All applicants must be 21 years old and above with a minimum annual income of S$30,000 p.a. for Singaporean or Permanent Residents and $42,000 p.a. for Foreigners. Annual fee Basic Card annual fee : S$160.50 (inclusive of GST). Supplementary Card annual fee : S$85.60 (inclusive of GST What is GST Registration. GST has been one of the most significant tax reforms this country has seen. It is a single tax that replaced all the multiple taxes that were applicable previously, such as Central Excise, Octroi, VAT, Entry Tax, Service Tax, etc. GST was introduced nationwide on July 1, 2017 Posts tagged with ' citibank personal loan eligibility ' Citibank Personal Loan. Posted on May 29, 2018 by admin. The Citibank Personal Loan can be used to meet varied financial requirements or any other bona fide cause. The loan also has low interest rates, no processing fee charges and won't need a guarantor or any collateral. The loan offers a minimum of RM 5,000 with their 'New-to-Bank.
Citibank Ready Credit * This is an instant loan product that provides you with a credit line of up to 4X your monthly income (subject to a maximum of S$120,000). * It is available at an interest rate of 1.5% per month - much lower than a Credit Card. * Citibank Ready Credit comes with the Citibank Ready Credit Card which can be used for. First-year credit card fee gets waived; First-timers get a Welcome Gift of 4.5% cashback - consisting of 1.6% base rate + 2.9% bonus rate, in the first 3 months. For this limited-time promotion, cashback is capped at S$225 casback. Promotion valid till 31 May 2021. Enjoy Citi World Privileges like exclusive deals from dining to shopping. Complimentary travel insurance when you charge your. Existing customers holding an active Citibank Credit Card and/or Citibank Ready Credit for more than 24 months are entitled to loan amounts of up to RM150,000. Low interest rate, starting with effective interest rate of 10.90% per annum, which is equivalent to flat interest rate of approximately 5.88% per annum 1 Spree Credit Card Terms and Conditions 1 Please refer to Clauses 6 and 7 which are found in Spree Credit Card Terms and Conditions which will be effective from 12 July 2021 (inclusive of this date) In particular, with effect from 12 July 2021 (inclusive of this date), a month for the purposes of Spree Credit Card Terms and Conditions will mean the period from the statement date of the. Fees for obtaining a Driving licence in Pune. An application fee of ₹716 to apply for a new driving license. A fee of ₹216 is required to apply for a duplicate driving license. Application fee of ₹416 for renewal of an expired driver's license. A fee of ₹1000 to apply for International Driving license
Platinum. Visa/Mastercard®. Credit Card Xtrasaver. Current Account. 360° Rewards: Earn up to 300 additional Rewards Points per month on your other banking relationships in deposits, mortgages, investments and online transactions, when you charge $250 to your Platinum Credit Card in that calendar month. Higher rewards on credit card spend Citibank doesn t cite specific credit score limitations for its loans but borrowers will typically need to have good credit to take out a personal loan or line of credit from citibank. You ll also need an income of at least 10 500 per year to take out the loan. Your credit behaviour and track record from your past lenders and credit card providers get captured in your cibil score † IMPORTANT ICBC USA CREDIT CARD PRICING & TERMS Annual Percentage Rates (APR) for Purchases will be 12.74%-18.74% based on your credit worthiness. The APR for Cash Advances is 24.74%. All APRs will vary with the market based on the Prime Rate. Cash Advances Cash Advances are subject to a transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater. Paying. Credit Cards. Get the Maybank Credit Card that complements your lifestyle and gives you the best rewards. Compare credit cards and apply for credit cards online! Maybank Family & Friends Card. One of the top picks for Credit Cards with money rewards by The Sunday Times! Enjoy the freedom to choose cashback categories that best fit your lifestyle and earn up to S$125 monthly cashback, one of.
Buy a wide range of products and services from electronics to travel and more on your HSBC Credit Card, and repay in EMIs (Equated Monthly Installments) at your convenience. Make your shopping a lot more convenient and rewarding. Repay the purchase value in EMIs over a period of time. Repayment tenure of 3, 6, 9, 12, 18 or 24 months Credit Card Maybank Platinum Visa Card. Earn fuss-free cash rebates on all your local and foreign currency spend. This is the lifestyle card that lets you save as you spend. Annual Fees. Principal: Quarterly service fee of S$20. Supplementary : Free (First 3 Years Free) Minimum Requirement: S$30,000. Promotion. Apply Now & Get S$100 Cash Credit. Simply apply for a new Maybank Credit Card and. Oh, and it gives you airport lounge access too. Being one of the most recognised international banks in Singapore, Citibank is the go-to credit card issuer for many expats. Their entry requirements for foreigners are fairly relaxed as well. Eligibility for foreigners: Minimum annual income of S$42,000. Apply Now
Find out what it takes for a foreign individual to open a savings account in the U.S., especially in the age of heightened terrorism awareness For Foreigners: Minimum annual income of S$80,000 is required OR Fixed Deposit collateral of at least S$10,000 # S$150 Cash Credit (for new-to-UOB Credit Cardmembers) Only for first 100 successful UOB personal credit card applications between 1 to 30 June 2021 with a minimum spend of S$1,500 within 30 days from card approval date. Click here for full terms and conditions. + B) S$38 Cash. The Petal® 2 Cash Back, No Fees Visa® Credit Card, for example, does require applicants to be U.S. residents, but you can apply with either a Social Security number or an ITIN.Petal's issuing. Whether you're living here or are in another country, setting up a bank account in Australia is really easy. Learn how to start one and compare some options today
. 1 However a joint account with Resident Indian (RI) who is a close relative can be opened subject to following conditions: The RI will be the primary/first account holder in the joint account and NRI (PIO / OCI) will be the second applicant. 1.1 When OCI comes to India with an intention to stay for an indefinite. If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance. Extended Warranty . You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card. Auto Rental Collision Damage Waiver . Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft. Transfer. CITI CHECKING. Reward your drive. Earn $300. When you open a new eligible Checking account and complete qualifying activities Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months. Review. Introducing Lazada Citi Platinum credit card for those who love to shop online and be rewarded handsomely! Lazada Spends & Lazada Wallet. Citi Rewards Points: Spend at / on: Maximum Spending: 10 points for every RM1 Lazada Spends and top-up. Eligibility & Mandatory Docs. Eligibility Criteria . Is there an age and income requirement to apply for the Supplementary Card? The Supplementary Card Applicant must be at least 18 years old, no income is required. How can I apply for a Supplementary Card for my loved ones? The Principal Cardholder must complete the application form, print and sign on the printed form, include a copy of the.
To learn more about the Deluxe Mortgage requirements contact an HSBC branch or call 844.HSBC.MTG (844.472.2684). 6 HSBC Elite Mortgage requires combined personal deposit and investment ‡ balances of at least $1,000,000 U.S. Dollars or equivalent at any member of the HSBC Group (in the U.S. or home country) Your ICICI Bank Debit Card can be used for international transactions at ATMs, online websites outside India and merchant outlets across the Globe. All customers of the Bank, who have been issued a debit card after December 01, 2013 would be required to call customer care before usage of debit card for international debit card Eligibility: S$50,000 annual income Annual Fee: S$192.60 with 10,000 miles (or call to ask for a waiver and no miles; subject to approval) This has long been my favorite card until other travel-based credit cards came into the market. Nevertheless, I still find this card worthy to keep for a few reasons HSBC China offers a range of personal banking services, including HSBC Premier, foreign exchange, deposits, credit cards, home loans, structured investments, insurance and more Like other credit card providers in the Philippines, BPI sets minimum requirements for those who want to apply for a credit card. It's actually easy to qualify for one. BPI credit card eligibility requirements. Age: 21 to 60 years old. Home or business address: Near a BPI or BPI Family Savings branch (within a 30-kilometer radius of the bank)
Visa Credit Card (Prevailing NTUC Membership fee applies.) Eligibility. Minimum Age. 21 years old. Annual Income. S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners. Fees. Principal card. S$192.60 a year (First year free, second year get 10,000 miles when you pay your annual fees) Supplementary card. S$96.30 a year (First year free) Interest rate. 26.88. Citibank - Emirates-Citibank Ultima. AED 36,750 Minimum Salary AED 3,000 To find the right credit card you need to consider factors such as rate, benefits, minimum salary, fees and more. UAE banks offer an amazing range of benefits and features with credit cards so whether you're looking for free rounds of golf, discounts on restaurants, free spa treatments or cashback on purchases, we.
General eligibility in applying for EastWest Bank credit card. Filipino Citizen or local resident foreigners. Principal Cardholder must be at least 21 years old but not more than 65 years old. Must have a residence landline or postpaid mobile phone and business landline; Residence or business address must be within Metro Manila. Document requirements for EastWest Bank credit card. For employed. HSBC Platinum Credit Card When happiness is just a tap away, go with it. Eligibility: Primary cardholders must be at least 21 years old with a minimum annual income of RM 36,000. Choose a welcome offer RM500 eVoucher of your choice. Find out more. At a glance 8x on contactless Earn 8x Reward Points 1 for every RM1 on contactless spend 5x on online, groceries and overseas Earn 5x Reward. CitiBank Credit Card; SBI Bank Credit Card; Standard Chartered Credit Card; HSBC Credit Card ; 6 factors to look at before you apply for Credit Card In India. Let's see those 6 parameters which you should look at before you apply for a credit card in India. At the end of this article, we will see the detailed results of the credit card survey and find out how different credit cards performed. Credit cards can help you build a good credit history and save money with numerous benefits and rewards. Despite these perks, only less than 10% of Filipinos own a credit card. Perhaps, many are discouraged by credit card requirements imposed by banks. In addition, many individuals are deterred by credit card debt—even if debt and credit cards do not come together
Citi Grab Credit Card's eligibility requirements are relatively low and are credit card newbie-friendly. Other credit cards within its league from Citibank alone usually come with more stringent. Metrobank Credit Card Application 2020: Getting The Best Card For Your Lifestyle 5 min read By eCompareMo on February 28, 2020. Being one of the largest banks in the Philippines, Metrobank offers some of the best credit cards in the market.. Metrobank credit cards provides a wide variety of perks, cash back cards, airline miles, a women-centric credit card, and fuel rebates, among others To apply for a HSBC Personal Line of Credit, you must meet the following requirements: Between 21 and 65 year of age. Annual income of SGD30,000 for salaried or SGD40,000 for self-employed or commission-based Singapore Citizens and Permanent Residents. Annual income of SGD40,000 and employment pass with validity of at least 6 months for foreigners Eligibility: Primary cardholders must be at least 21 years old with a minimum annual income of RM 72,000. Apply online today to get one of the following welcome offers: RM500 eVoucher of your choice. Find out more. Find out more about the HSBC Visa Signature Credit Card. Apply now
As a Card Member, when you move abroad, applying for a new local credit card account is not only possible, it's seamless. How Global Card Relationship works: Shop Cards avaliable in your new country; Sign in to your account, so we can access your account history; Apply using the address in the country you are moving to ; We may use your account history to make a decision on your application. Only for first 100 successful UOB personal credit card applications between 1 to 30 June 2021 with a minimum spend of S$1,500 within 30 days from card approval date. Click here for full terms and conditions. + B) S$38 Cash Credit (for new-to-UOB Deposits customers only) Be the first 450 applicants per calendar month to: 1. Successfully open a new Eligible UOB Account # online from 1 April to.
Credit Card Eligibility Criteria. The eligibility for a card differs from provider to provider. However, the basic criteria are as follows: You should be at least 18 years old. Whether salaried or self-employed, you must have a regular source of income to pay back your bills (minimum income bracket differs from one card to another). You should have a good credit score (Preferably 700 and above. Best rewards credit cards in Singapore. Credit card. Rewards. Recommended for. Citi Rewards Credit Card. - 10x points on shopping, ride-hailing, online food and groceries - 1x points on all. Applying for a DBS/POSB Credit Card. Eligibility to apply DBS Visa/MasterCard/DBS AMEX/POSB MasterCard Credit (Singaporeans/Permanent Residents of Singapore) At least 21 years old; Earn an annual declared income of at least S$30,000 (Normal card) and S$45,000 (Gold card) Under the Monetary Authority of Singapore (MAS) guidelines, to be eligible to apply for a credit card, you need to be. In. Citibank reserves the right to offer this promotion only to those who have never been a Citi Credit Card/Ready Credit member and/or who have cancelled their membership with Citi Credit Card/Ready Credit for more than 12 months. This condition does not apply to Citi Prestige and Citi Royal Orchid Plus Preferred credit card members who have paid upfront annual fee