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.

Minimum Criteria

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 $30,000⁵. 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

Shop with confidence and security

Personal Credit gives you complimentary purchasing security⁷ through:

Purchase Cover Insurance - protection against loss, theft, or accidental damage over a wide range of new personal goods purchased anywhere in the world, when purchased with your Visa Debit Card
Extended Warranty Insurance - extends the warranty on personal goods purchased, when purchased with your Visa Debit Card
Guaranteed Pricing Scheme - if an item you purchase with your Visa Debit Card later goes on sale elsewhere, you may be eligible for a refund of the price difference. Conditions apply.

A bonus benefit whenever you treat yourself to dinner

You can enjoy a free bottle of award winning wine every time you dine and pay using your Citibank card at hundreds of partner restaurants across Australia⁸.

More benefits that can save you money

Enjoy special deals on shopping, travel or entertainment with complimentary access to these money saving programs:

World Privileges⁹ - offering you a range of worldwide discounts on shopping, travel and entertainment
Citibank Travel Program¹⁰ - giving you access to exclusive holiday packages
Visa Entertainment offers¹¹ - bringing you exclusive offers on shows, movies and other events.

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 September 2012.

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 $30,000 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 www.citibank.com.au/complimentaryinsurance. 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 citibank.com.au/dining 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 citiworldprivileges.com for up-to-date offer details.

10. Citibank Travel Program is operated by Pinpoint Travel Group Pty Ltd. Licence No. 2TA002974. Visit citibank.com.au/lendingtravel for details.

11. Visa Entertainment Offers supplied by Visa. Visit visaentertainment.com.au 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.

Win an exclusive dinner for you and 9 friends, hosted by Gary.

Win an exclusive dinner for you and 9 friends, hosted by Gary.

See how much money you can save on your interest

Drag slide to select the amount of the current balance of your loan:$

$500 $24,000

You Could Save

Estimated savings assume minimum payment is made by payment due date each month with no other transactions during the promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table above are examples only. Your personal circumstances may differ. It does not include interest accrued at the standard interest rate.