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.
- 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.