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| Interest Calculation of Cash Advance and Credit Usage Fee. |
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Example of Interest Calculation of Cash Advance
Example of Calculation (full Payment from 1st Billing Statement)
Example of interest and credit usage charge calculation applicable to customers who remit less than full amount of the outstanding balance or customers who are pass payment due date
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Fees & charges on your Krungsri GE Credit Card will be as follow
- Interest Rate, Penalty, Fees and Other Charges
- Interest Rate : 15% per annum
- Credit Usage Charge: 5% per annum
- Interest and credit usage charge on bill payments will be calculated from the posting date.
Cash advance interest and credit usage charge will be calculated from the transaction date
- Minimum payment: 10% of outstanding balance but not less than 500 Baht
- Cash Advance Fee: 3% of cash withdrawal amount*
- Interest Free Period: If customer makes full payment, up to 50 days
depending on posting date and payment due date
- Joining fee/ Annual membership fee: Free for life without condition
- Payment service fee
| Payment Channels |
Service Fee** |
Payment Channel Fee |
No. of days
required for
payment settlement |
Bangkok
& Vicinity |
Upcountry |
On Spot |
Reflected on
next billing
statement |
6.1 Bank Counter |
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| - Bank of Ayudhya |
Free |
Free |
- |
- |
1-2 |
| - Bangkok Bank |
30 |
50
(0.1% applied on amount exceed 100,000 baht/ 1,000 baht max) |
 |
- |
2 |
| - Krungthai Bank |
15 |
15
(0.1% applied on amount exceed 50,000 baht / 1,000 baht max) |
|
- |
2 |
| - Siam Commercial Bank |
20 |
35
(0.1% applied on amount exceed 150,000 baht / 1,000 baht max per transaction) |
|
- |
2 |
| - Kasikorn Bank |
20 |
35 |
|
- |
2 |
6.2 Direct Debit
/Pay via ATM/Phone Banking/
Internet Banking
- Bank of Ayudhya |
Free |
Free |
- |
- |
1-2 |
| 6.3 Pay at Postal Office displaying the PAY AT POST signage (Restricted to cash payment up to 50,000 Baht/transaction/service point) |
Free |
Free |
- |
- |
2 |
6.4 Pay at Counter Service
(Restricted to cash payment up to 30,000 Baht/transaction/service point) |
15 |
15 |
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- |
2 |
6.5 Pay at HomePro's Counter Services or HomePro Plus's Counter Services
|
Free |
Free |
- |
- |
1 |
6.6 Pay at TOT Customer Service Centers displaying the JUST PAY signage
(Restricted to cash payment up to 30,000 Baht/transaction/service point) |
Free |
Free |
- |
- |
2 |
- Cheque Returned Charge: 200 Baht/cheque
- Card Replacement Fee: 200 Baht/request*
- Statement Reprint Fee: 50 Baht/request*
- Sales Slip Retrieval/ Research Fee : 200 Baht/transaction*
- Replacement credit card PIN Fee: 200 Baht/request*
- Collection Expense
- 250 Baht per billing cycle when customer is 1-2 cycles overdue
- 350 Baht per billing cycle when customer is at least 3 cycles overdue
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*Fee and charge are subjected to value added tax 7%.
Remark: The Company reserves the right to change or cancel any fee, interest rate and service fees. The Company will notify cardholders in advance. |
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