How is the minimum repayment calculated for the GXS Credit Card?

Your minimum payment due each month is calculated based on your total outstanding statement balance:  

If your balance is S$30 or more: It will be the sum of 1% of your billed principal or S$30 (whichever is higher), plus 100% of all statement interest and fees, plus any existing past-due overdue or overspent balances.  

If your balance is less than S$30: Your minimum payment due is simply that exact lesser amount (plus 100% of any statement interest and fees).  

Example A (High Balance): If your billed principal is S$4,000 and late fees are S$100, 1% of your principal is S$40 (which is higher than S$30). Your minimum repayment will be S$40 + S$100, totaling S$140.

Example B (Low Balance Under S$30): If your total outstanding statement balance is only S$20, you do not have to pay S$30. Your minimum repayment due will simply be the lesser amount of S$20.