10% of the bill amount. According to the credit card channels of the five major banks, the minimum monthly payment for a credit card is 10% of the bill amount. The minimum repayment amount means that if the credit card holder is unable to repay the entire amount due on the repayment date, he or she can repay 10% of the minimum repayment amount stipulated by the card issuer. This can avoid overdue effects on personal credit.