Citibank Australia
Citibank Personal Credit gives you a ready source of funds at a low 14.5% p.a.1, with all the convenience of a Visa Debit Card to access your account for purchasing or cash withdrawals. There are no cash advance fees2 and a fully flexible redraw facility means you have the freedom to continuously re-use your account up to your credit limit and repay at your own pace3.
You can use your Personal Credit for anything from day to day living expenses, right up to major lifestyle purchases. Click here for some more examples of what you can use it for.
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Citibank Personal Credit
  • No cash advance fees2
  • No fixed term3. Repay at your own pace
  • A low one off $69 establishment fee4
  • A low annual fee of $99
  • A generous credit limit up to $60,0005. Subject to credit criteria
  • Access cash anytime using your Visa Debit Card fee free at over 3,000 ATMs6, your personalised cheque book, online or from your mobile with Citibank mobile app.
  • A flexible redraw facility allows you to withdraw again and again without re-applying
  • Only pay interest on amount used
  • Unsecured line of credit - use it however you want
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Important Information

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.

1. The Citibank Personal Credit standard Annual Percentage Rate is currently 14.5% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at
1 July 2013.

2. Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fee may apply.

3. Minimum repayments apply.

4. $69 establishment fee will be debited to your Account on the first use of your Account (including Card activation). This fee will appear on your first statement of Account.

5. A credit line of between $2,000 and $60,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year.

6. Applies to Citibank, Westpac, St George, Bank of Melbourne and Bank SA branded ATMs around Australia.

7. Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at An excess applies to Purchase Cover Insurance.

8. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399717. Please visit for important information about how to use this program to receive a free bottle of wine.

9. World privilege payment must be made using a Citibank Credit or Visa Debit. Refer to for up-to-date offer details.

10. Citibank Travel Program is operated by Pinpoint Travel Group Pty Ltd. Licence No. 2TA002974. Visit for details.

11. Visa Entertainment Offers supplied by Visa. Visit for details.

© 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence 238098. Citibank® and Arc Design® are service marks of Citigroup Inc.

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