Five ten thousandths. According to relevant data, CITIC Xiaomi Discovery Credit Card is interest-free when fully repaid, and the minimum repayment due is five ten thousandths of interest per day. CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987, and changed its name at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.