Citibank Australia

Recharge your finances for 2013.

5.9% p.a. for 2 years¹, plus no annual fee.
Rethink banking. Powered by Citi.

Get 2013 off to a flying start with a great way to pay off your debts
Take advantage of a limited 5.9% p.a. for 2 years¹ and with a line of credit of up to $30,000² you can transfer your balances and recharge your spending power.

For everyday expenses or those bigger things in life, simply request a cheque
If you don't have a balance to transfer but you would still like to take advantage of our limited interest offer of 5.9% p.a. for 2 years¹, simply request a cheque to be sent to you once your account is approved.

You can use it for anything you want from home entertainment and technology to exotic holidays. Click here to see some examples.

It's a line of credit that you can use again and again without ever having to re-apply and you are only charged interest on the amount you use. You can even access your funds via the convenience of a Visa Debit Card for online or in-store purchases and ATM cash withdrawals. With no fixed term³, you repay at your own pace and there are no annual, cash advance⁴ or account-keeping fees.

			Minimum Criteria

			Calculator

Up to $30,000²
No fixed term³. Repay at your own pace
No cash advance fees⁴
No account-keeping fees
A low one off $69 establishment fee⁵

Visa Debit Card fee free at over 3,000 ATMs⁶ for cash withdrawals or for convenient in-store or online purchases
Optional personal chequebook
Use your account again and again without having to re-apply
Only pay interest on the amount you use
Unsecured line of credit - use it however you want.

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.

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.

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 18.99% p.a. Interest rates are variable and subject to change. This information is current as at 1 January 2013. This offer ends 30 April 2013. 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 $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.

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 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 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 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.

© 2013 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.

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.