Take advantage of a limited 5.9% p.a. for 2 years1 and use the cash however you like - for a holiday, to upgrade your car or to pay off debts.

Citibank Ready Credit is a flexible and simple alternative to a personal loan. This line of credit gives you access to cash when you need it, to use on everyday expenses or those bigger things in life.

5.9% p.a. for 2 years

  • Up to $60,0002 unsecured finance
  • No monthly or annual fees
  • Flexibility to repay when it suits you3
  • No early payout fees

Mon to Fri 8.00am to 8.00pm
Sat to Sun 8.30am to 5.30pm

Additional Benefits
  • It's a revolving line of credit - you can use it again and again so you may never need to reapply for a loan
  • Only pay interest on the amount you use
  • No account-keeping fees
  • No cash advance fees4
  • A low one off $69 establishment fee5 ($99 from 1 August).
Accessing your funds
  • Balance transfers - At the special 5.9% p.a. for 2 years offer, just nominate your existing credit card and loan balances on your application.
  • Request a cheque - At the special 5.9% p.a. for 2 years offer, simply nominate how much of your credit limit you need, once your account is approved, and we'll send you a cheque.
  • Visa Debit Card - so you can draw on your credit via ATM cash withdrawals or instore or online purchases at the standard Annual Percentage Rate.

Shop with confidence and security

Ready 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.
Citibank Privileges

The wine is on us

  • Enjoy a free bottle of award winning every time you dine and pay using your Citibank card at hundreds of partner restaurants across Australia8.

More benefits to enhance your lifestyle

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.

Contact us

 1300 665 8371300 665 837

Mon to Fri 8.00am to 8.00pm
Sat to Sun 8.30am to 5.30pm

>> Apply now     
Limited offer. Apply online today.

Important Information

  • Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.
  • 1. A Cheque to Self will be treated as balance transfer (BT) on your account. Your total balance transfers with this offer may not exceed 80% of your credit limit. The 5.9% p.a. interest rate applies to balances transferred with this offer at point of application and Cheques to Self made with this offer within 90 days of account opening for a period of 2 years. Payments are applied to BT amounts before cash advances and retail purchases, and if your account has more than one BT, the BT at the lowest interest rate will be repaid first. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit standard Annual Percentage Rate, currently 19.49% p.a. Interest rates are variable and subject to change. This information is current as at 1 June 2014. This offer ends 30 September 2014. Offer may be extended. Existing Ready Credit and Personal Credit customers are not eligible to apply for this introductory offer.
  • 2. A credit line of between $5,000 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.
  • 3. Minimum repayments apply.
  • 4. 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.
  • 5. $69 ($99 from 1 August) 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.
  • 6. Applies to Citibank, Westpac, St George, Bank of Melbourne and BankSA 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 citibank.com.au/lendingcompinsurance. 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 Card. 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.
  • © 2014 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.