Interest Rate and Service Fees
Detail concerning interest rates, service charges, fees and other expense.
Exchange Rate Conversion
The use of the Credit Card in place of payment of cash and/or for cash withdrawal and/or for the service of credit in any foreign countries shall be converted from the foreign currency into Thai Baht at the exchange rate which is a selling rate of such foreign currency announced by each network company that Citibank is a member on the date that Citibank is collected from that company. If the transaction amount is not in US Dollar currency, such amount shall be converted into US Dollars before converting into Thai Baht. The date and time may be changed based on the actual billing incurred and notified to Citibank which cardholder can check for the initial reference conversion rate from:
For VISA's network: http://usa.visa.com/personal/card-benefits/travel/exchange-rate-calculator.jsp
For MasterCard's network: www.mastercard.com/us
Select Personal and then select Currency Conversion Tool
Additionally, cardholder hereby agrees to bind himself/herself for a foreign currency exchange fee and/or a hedging premium at the rate of not more than 2.5% of the card spending incurred from overseas.