Example of Interest Calculation of Cash Advance

Example of Calculation (full Payment from 1st Billing Statement)

FFees & charges on your Krungsri GE Credit Card will be as follow

1. 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
     
2. Minimum payment: 10% of outstanding balance but not less than 500 Baht
3. Cash Advance Fee: 3% of cash withdrawal amount*
4. Interest Free Period: If customer makes full payment, up to 50 days
   depending on posting date and payment due date
5. Joining fee/ Annual membership fee: Free for life without condition
6. 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
   - 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		-	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

   
   
7. Cheque Returned Charge: 200 Baht/cheque
8. Card Replacement Fee: 200 Baht/request*
9. Statement Reprint Fee: 50 Baht/request*
10. Sales Slip Retrieval/ Research Fee : 200 Baht/transaction* 
11. Replacement credit card PIN Fee: 200 Baht/request*
12. 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
    
    

*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.