We're here to assist you in finding the information you need about Citibank Lending. You can choose one of the options below or for general enquiries, you can browse through our Online Service Desk, email us, or contact us on 13 24 84. We're available 24 hours a day, seven days a week.
We're here to assist you in finding the information you need about Citibank Loans. You can choose one of the options below or for general enquiries, you can browse through our Online Service Desk, email us, or call us anytime on 13 CITI (13 24 84).
Ready Credit offers you a flexible line of credit giving you the funds you need, when you need them. You only have to apply for a Ready Credit account once, and you can use it again and again on whatever you want. You'll get an ATM/EFTPOS card and a personalised cheque book (cheque book on request).
To apply for a Citi Ready Credit over the phone call 1300 793 328. You can contact Citi by phone, fax or letter.
Credit Repayment Insurance is designed to protect your Citibank credit account repayments in the event you cannot make them.
Citibank offers Credit Repayment Insurance to assist you in meeting your regular monthly repayments on your credit account in the event of your:
- illness or injury
- unemployment
- death
Our Credit Repayment Insurance products provide you with a choice of benefits such as:
- Life Events Benefit - receive a lump sum payment directly to your credit account should you experience any of the following:
- Marriage/de facto union
- Birth or adoption of a child
- Purchase of a new home
- Divorce or separation
- Death of a partner or spouse
OR
- Price Protection Benefit - shop with confidence knowing you always pay the lowest price. You don't have to wait for a sale to ensure you are getting the best price - we will pay you the difference if the price goes down:
- If you purchase an item with your Citibank credit account
- The exact item is reduced by $10 or more within 180 days of your purchase
- The price is reduced at the store of the same name
Credit Repayment Insurance only costs a low 59c per month per $100 of your Citibank credit account's closing balance.
You are guaranteed cover if you meet the eligibility criteria.
Find out more about Citibank's Credit Repayment Insurance products
You must be a permanent Australian resident, over 18 years of age, earn more than $35,000 per annum and have a good credit rating. If an existing Citibank Credit Card, ReadyCredit or Personal Loan customer, have held your account for at least 9 months.
Yes. Internet application forms are security encrypted (with 128 bit SSL technology) so your information is safe. To read more about how to protect yourself online view Citibank's Online Security.
It will take approximately 10 minutes to complete our online application form if you have your personal details at hand. Once you've completed and submitted your online application you will receive an Application Reference Number. It is important that you keep this for your reference. Your Application Reference Number can be used to check the status of your application online.
Initially you'll be given a credit limit based on your income, what you spend each month and Citibank credit criteria. This will be up to $30,000. Once you've been a Citibank customer for 9 months, you can apply for a credit limit increase that will be assessed according to Citibank credit criteria.
This information is used to calculate what you can afford to pay back monthly by taking into account your existing financial commitments.
You will need to provide your:
- Gross annual income (this is verified by Citibank with your employer or your accountant if you are self-employed)
- Total monthly income
- Total monthly expenses
This information will be used to calculate your monthly disposable income that may be used to service your Personal Credit account.
This information is used to understand what your primary occupation is. You should select the category that most suitably describes your everyday job and your employment status.
You will receive notification via email (if you supply an email address) and the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days.
Citibank aims to ensure you have your Personal Credit application processed as quickly as possible. To assist us in doing this you can:
- Provide a contact telephone number that will be easy for a Citibank to contact you on if required.
- Notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details when we call to verify these details.
You will receive notification via the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days.
If you are a new customer to Citibank you will receive a Citibank ATM/EFTPOS card at this time. If you are an existing Citibank customer and already have a Citibank ATM/EFTPOS card linked to your existing account, please call us on 13 24 84 for assistance.
You will receive notification via the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days. You will receive a Cheque book Request Form. Sign and return this form and you will receive your Citibank Cheque book within 5 working days.
Your credit limit is determined by your individual financial situation. Should your financial situation change, please call us on 13 24 84 so we can update your details.
This will cause delays in processing your application, as there is no way for us to know that we have more than one application until we start processing the information you provide us.
Personal Credit has no application, monthly or transaction fees, just a low annual fee and establishment fee. Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fees may apply.
A Personal Credit account must be held in one name. However, you can give another person access to your account. Complete their name and date of birth in the Optional Additional Signatory section of the online application form. We'll need you to ensure that this person signs and returns their signature card to us, along with any additional identification we request before an Additional Card can be sent.
Who can I add?
- You can extend an additional Citicard to your Personal Credit account to one other person.
- Person must be your husband or wife, partner or child (over 18 years of age).
To request an additional signatory, simply print and complete the additional signatory form and return it to Citibank.
Download Personal Credit Request for Additional Signatory form (Adobe PDF, 698kb)
You can track the status of your current application online. You will need your Application Reference number.
Click here to check the status of your application online.
Alternatively, please call us on 13 CITI (13 24 84).
Yes. You can apply again in six months time, and if your circumstances have changed, we'll consider your application. If you need further information on your current credit history, please visit www.mycreditfile.com.au or call Veda Advantage on +61 2 9464 6000.
Click here to check the status of your application online.
Alternatively, please call us on 13 CITI (13 24 84).
You can request a credit limit increase by either calling CitiPhone on 13 24 84 or visiting www.citibank.com.au and logging on to Citi Online.
Before you request an increase of the credit limit of your Ready Credit account, ensure you have the following information:
- The limit increase that you would like.
- Your current income per annum (after tax).
- Your monthly net income.
- Your monthly expenses including rent/mortgage, loan repayments (car, boat, Credit Cards etc), personal living expenses (food, electricity, phone, gas, water etc), rates/body corporate and any other financial commitments.
Your disposable income (income minus expenses).
In order to speed up the processing of your credit limit increase, if you have had a change/increase in income please have a copy of your current pay slip or most recent Tax Assessment notice (if self-employed) ready.
Yes, you can use your ATM/EFTPOS card (Citicard) to withdraw cash wherever you see the PLUS sign in the world, and you can also use your card to pay by EFTPOS within Australia.
We will send you a statement requesting a minimum repayment every month by a specific date. The minimum monthly repayment is the greater of: $30; or the sum of 1% of outstanding balance plus interest plus late fees.
Non-payment may result in late fees being charged and the suspension or cancellation of your credit facility.
No, there are no penalties for early repayment. Personal Credit is a revolving line of credit, which means there's no fixed time to pay off your account, and if you do, you can use your credit limit again and again without having to re-apply.
If you are having difficulty making the required payments on your account (financial or otherwise), call us on
13 24 84. Ask to speak to a Collections Department consultant and they will assist you in meeting your Citibank Personal Credit repayments.
Yes. There are no penalties for paying off your Personal Credit balance in lump sums. And if you need credit again, you can use your account without having to re-apply.
This will depend on the credit limit that we assign you. When you complete your application form, Citibank will transfer the amounts specified by yourself, in the order nominated on your application form (accounts 1 through 3) in the whole amounts, then any part amount on the date of transfer as determined by your available credit limit. You can also transfer balances once you've opened your Personal Credit account if you still have available credit.
No. You will be responsible for closing your other accounts and in the meantime continuing to make any necessary payments on your other accounts in accordance with their terms and conditions.
A Personal Credit account must be held in one name. However, you can give another person access to your account. Complete their name and date of birth in the Optional Additional Signatory section of the online application form. We'll need you to ensure that this person signs and returns their signature card to us, along with any additional identification we request before an Additional Card can be sent.
Who can I add?
- You can extend an additional Citicard to your Personal Credit account to one other person.
- Person must be your husband or wife, partner or child (over 18 years of age).
To request an additional signatory, simply print and complete the additional signatory form and return it to Citibank.
Download Personal Credit Request for Additional Signatory form (Adobe PDF, 698kb)
When you opened your Personal Credit account you will have received a Cheque book Request Form, sign and return this form and you will receive your Citibank Cheque book within 5 working days. If you do not have a copy of this form, please call us on 13 24 84 for assistance. Alternatively print a cheque book request form (Loans for Existing Customers section).
To reorder a Citibank Cheque book, sign on to Internet Banking and select "Account Services - Order a Cheque Book" or alternatively call us on 13 24 84.
Wherever you are in the world, you will have instant access to your Personal Credit account 24x7 just by using your ATM card (Citicard) wherever you see the PLUS sign. And of course there's 24x7 internet banking, plus the back up of a dedicated customer service team just a phone call away on 13 24 84 or if calling from overseas
+61 2 8225 0615.
These will be provided to you as soon as your application is successfully completed and you will receive them along with your ATM card (Citicard). View the Personal Credit Terms and Conditions (Adobe PDF Format, 209kb).
Please call our customer services team as soon as possible on 13 24 84 or if calling from overseas
+61 2 8225 0615. They will be able to arrange for your current card to be cancelled immediately, and for a replacement to be sent to you.
We're here to assist you in finding the information you need about Citi Loans. You can choose one of the options below or for general enquiries, you can browse through our Online Service Desk, email us, or contact us on 13 24 84. We're available 24 hours a day, seven days a week.
Ready Credit offers you a flexible line of credit giving you the funds you need, when you need them. You only have to apply for a Ready Credit account once, and you can use it again and again on whatever you want. You'll get an ATM/EFTPOS card and a personalised cheque book (cheque book on request).
To apply for a Citi Ready Credit over the phone call 13 24 84. You can contact Citi by phone, fax or letter.
Credit Repayment Insurance is designed to protect your Citibank credit account repayments in the event you cannot make them.
Citibank offers Credit Repayment Insurance to assist you in meeting your regular monthly repayments on your credit account in the event of your:
- illness or injury
- unemployment
- death
Our Credit Repayment Insurance products provide you with a choice of benefits such as:
- Life Events Benefit - receive a lump sum payment directly to your credit account should you experience any of the following:
- Marriage/de facto union
- Birth or adoption of a child
- Purchase of a new home
- Divorce or separation
- Death of a partner or spouse
OR
- Price Protection Benefit - shop with confidence knowing you always pay the lowest price. You don't have to wait for a sale to ensure you are getting the best price - we will pay you the difference if the price goes down:
- If you purchase an item with your Citibank credit account
- The exact item is reduced by $10 or more within 180 days of your purchase
- The price is reduced at the store of the same name
Credit Repayment Insurance only costs a low 59c per month per $100 of your Citibank credit account's closing balance.
You are guaranteed cover if you meet the eligibility criteria.
To Find out more about Citibank's Credit Repayment Insurance products
You must be a permanent Australian resident, over 18 years of age, earn more than $35,000 per annum and have a good credit rating. If an existing Citi Credit Card or Personal Loan customer, have held your account for at least 9 months.
Yes. Internet application forms are security encrypted (with 128 bit SSL technology) so your information is safe. To read more about how to protect yourself online view Citibank's Online Security.
It will take approximately 10 minutes to complete our online application form if you have your personal details at hand. Once you've completed and submitted your online application you will receive an Application Reference Number. It is important that you keep this for your reference. Your Application Reference Number can be used to check the status of your application online.
Initially you'll be given a credit limit based on your income, what you spend each month and Citi credit criteria. This will be up to $30,000. Once you've been a Citi customer for 9 months, you can apply for a credit limit increase that will be assessed according to Citi credit criteria.
This information is used to calculate what you can afford to pay back monthly by taking into account your existing financial commitments.
You will need to provide your:
- Gross annual income (this is verified by Citi with your employer or your accountant if you are self-employed)
- Total monthly income
- Total monthly expenses
This information will be used to calculate your monthly disposable income that may be used to service your Ready Credit account.
This information is used to understand what your primary occupation is. You should select the category that most suitably describes your everyday job and your employment status.
You will receive notification via email (if you supply an email address) and the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days.
Citi aims to ensure you have your Ready Credit application processed as quickly as possible. To assist us in doing this you can:
- Provide a contact telephone number that will be easy for a Citi to contact you on if required.
- Notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details when we call to verify these details.
You will receive notification via the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days.
If you are a new customer to Citi you will receive a Citi ATM/EFTPOS Card at this time. If you are an existing Citi customer and already have a Citi ATM/EFTPOS Card linked to your existing account, please call us on 13 24 84 for assistance.
Your credit limit is determined by your individual financial situation. Should your financial situation change, please call us on 13 24 84 so we can update your details.
This will cause delays in processing your application, as there is no way for us to know that we have more than one application until we start processing the information you provide us.
Ready Credit offers a low $69 establishment fee. However there are no annual, monthly, cheque, transaction or cash advance fees, so it costs you nothing to maintain your account. Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fees may apply.
A Ready Credit account must be held in one name. However, you can give another person access to your account. Complete their name and date of birth in the Optional Additional Signatory section of the online application form. We'll need you to ensure that this person signs and returns their signature Card to us, along with any additional identification we request before an Additional Card can be sent.
Who can I add?
- You can extend an additional CitiCard to your Ready Credit account to one other person.
- Person must be your husband or wife, partner or child (over 18 years of age).
To request an additional cardholder for your Ready Credit account, please call us on 13 24 84.
You can track the status of your current application online. You will need your Application Reference number.
Click here to check the status of your application online.
Alternatively, please call us on 13 CITI (13 24 84).
Yes. You can apply again in six months time, and if your circumstances have changed, we'll consider your application. If you need further information on your current credit history, please visit www.mycreditfile.com.au or call Veda Advantage on +61 2 9464 6000.
You can request a credit limit increase by either calling CitiPhone on 13 24 84 or visiting www.citibank.com.au and logging on to Citi Online.
Before you request an increase of the credit limit of your Ready Credit account, ensure you have the following information:
- The limit increase that you would like.
- Your current income per annum (after tax).
- Your monthly net income.
- Your monthly expenses including rent/mortgage, loan repayments (car, boat, Credit Cards etc), personal living expenses (food, electricity, phone, gas, water etc), rates/body corporate and any other financial commitments.
Your disposable income (income minus expenses).
In order to speed up the processing of your credit limit increase, if you have had a change/increase in income please have a copy of your current pay slip or most recent Tax Assessment notice (if self-employed) ready.
Yes, you can create an online User ID that will give you access to a variety of online account features ranging from paying bills, transferring funds to requesting loan insurance and increasing your credit limit.
To access your account online just follow these easy steps outlined below:
- Click on the "Sign on to Citi Online" button on www.citibank.com.au You will be taken to the sign on page
- On the sign on page, click the "First time here? Create your user ID" button
- To identify and authenticate yourself, enter
- Your Card number
- Your ATM PIN using your mouse via the pop-up keypad
- Your account number
- Then click the 'Continue' button
- You will need to create your own user ID. This can be whatever you like although it must contain 6-20 characters
- Create your own password by using the pop-up keyboard. You will need to repeat this step to confirm your password then click "Continue".
- To provide you with an extra level of security, select three security questions and enter three answers you will remember. Every time you sign on to Citi Online, you will need to answer one of these questions
- Read through the Citi Online Terms and Conditions and select the "I Agree" button before continuing
- Congratulations, your registration is complete. Click on the "Proceed to Citi Online" button to begin.
Yes, you can use your ATM/EFTPOS Card (CitiCard) to withdraw cash wherever you see the PLUS sign in the world, and you can also use your Card to pay by EFTPOS within Australia.
We will send you a statement requesting a minimum repayment every month by a specific date. The minimum monthly repayment is the greater of: $30; or the sum of 1% of outstanding balance plus interest plus late fees.
Non-payment may result in late fees being charged and the suspension or cancellation of your credit facility.
No, there are no penalties for early repayment. Ready Credit is a revolving line of credit, which means there's no fixed time to pay off your account, and if you do, you can use your credit limit again and again without having to re-apply.
If you are having difficulty making the required payments on your account (financial or otherwise), call us on
13 24 84. Ask to speak to a Collections Department consultant and they will assist you in meeting your Citi Ready Credit repayments.
Yes, you can pay off your Ready Credit balance in lump sums. And if you need credit again, you can use your account without having to re-apply.
Yes, you can get your repayments under control by consolidating your other loans and Credit Card debts with a Funds Transfer*. You can request a Funds Transfer be either calling CitiPhone or through the My Offers section online.
You can transfer as little as $500, simply complete the Funds Transfer request to transfer your outstanding balances from other non-Citi credit or store Cards to your existing Citi account.
*The transfer will be at your Account's prevailing interest rate, as shown on your statement, which is variable and subject to change an Citi's credit criteria.
This will depend on the credit limit that we assign you. When you complete your application form, Citi will transfer the amounts specified by yourself, in the order nominated on your application form (accounts 1 through 3) in the whole amounts, then any part amount on the date of transfer as determined by your available credit limit. You can also transfer balances once you've opened your Ready Credit account if you still have available credit.
No. You will be responsible for closing your other accounts and in the meantime continuing to make any necessary payments on your other accounts in accordance with their terms and conditions.
You now have access to a Fixed Installment Loan (FIL) that allows you to take out a temporary loan at a special rate and pay it off in fixed installments. This extra loan is in addition to your current line of credit so it does not affect your available Credit Limit from your Ready Credit account. With a competitive interest rate and fixed payments you will get the security and added convenience of additional funds.
A Ready Credit account must be held in one name. However, you can give another person access to your account. Complete their name and date of birth in the Optional Additional Signatory section of the online application form. We'll need you to ensure that this person signs and returns their signature Card to us, along with any additional identification we request before an Additional Card can be sent.
When you opened your Ready Credit account you will have received a Cheque book Request Form, sign and return this form and you will receive your Citi Cheque book within 5 working days. If you do not have a copy of this form, please call us on 13 24 84 for assistance. Alternatively print a cheque book request form (Loans for Existing Customers section).
To reorder a Citi Cheque book, sign on to Internet Banking and select "Account Services - Order a Cheque Book" or alternatively call us on 13 24 84.
Wherever you are in the world, you will have instant access to your Ready Credit account 24x7 just by using your ATM Card (CitiCard) wherever you see the PLUS sign. And of course there's 24x7 internet banking, plus the back up of a dedicated customer service team just a phone call away on 13 24 84 or if calling from overseas
+61 2 8225 0615.
These will be provided to you as soon as your application is successfully completed and you will receive them along with your ATM Card (CitiCard). View the Unsecured Revolving Credit (Adobe PDF Format, 209kb).
Please call our customer services team as soon as possible on 13 24 84 or if calling from overseas
+61 2 8225 0615. They will be able to arrange for your current Card to be cancelled immediately, and for a replacement to be sent to you.
We're here to assist you in finding the information you need about Citi Loans. You can choose one of the options below or for general enquiries, you can browse through our Online Service Desk, email us , or call us anytime on 13 CITI (13 24 84).
Ready Credit offers you a flexible line of credit giving you the funds you need, when you need them. You only have to apply for a Ready Credit account once, and you can use it again and again on whatever you want. You'll get an ATM/EFTPOS card and a personalised cheque book (cheque book on request).
To apply for a Citi Ready Credit over the phone call 1300 793 328. You can contact Citi by phone, fax or letter.
Credit Repayment Insurance is designed to protect your Citibank credit account repayments in the event you cannot make them.
Citibank offers Credit Repayment Insurance to assist you in meeting your regular monthly repayments on your credit account in the event of your:
- illness or injury
- unemployment
- death
Our Credit Repayment Insurance products provide you with a choice of benefits such as:
- Life Events Benefit - receive a lump sum payment directly to your credit account should you experience any of the following:
- Marriage/de facto union
- Birth or adoption of a child
- Purchase of a new home
- Divorce or separation
- Death of a partner or spouse
OR
- Price Protection Benefit - shop with confidence knowing you always pay the lowest price. You don't have to wait for a sale to ensure you are getting the best price - we will pay you the difference if the price goes down:
- If you purchase an item with your Citibank credit account
- The exact item is reduced by $10 or more within 180 days of your purchase
- The price is reduced at the store of the same name
Credit Repayment Insurance only costs a low 59c per month per $100 of your Citibank credit account's closing balance.
You are guaranteed cover if you meet the eligibility criteria.
Find out more about Citibank's Credit Repayment Insurance products
You must be a permanent Australian resident, over 18 years of age, earn more than $30,000 per annum and have a good credit rating. If an existing Citibank Credit Card, ReadyCredit or Personal Loan customer, have held your account for at least 9 months.
Initially you'll be given a credit limit based on a combination of your verified personal and business income, what you spend each month and Citi credit criteria. This will be up to $25,000 initially. Once you've been a Citi customer for 9 months, you can apply for a credit limit increase that will be assessed according to Citi credit criteria.
This information is used to calculate what you can afford to pay back monthly by taking into account your existing financial commitments.
You will need to provide your:
- Gross annual income (this is verified by Citibank with your employer or your accountant if you are self-employed)
- Total monthly income
- Total monthly business income
- Total monthly expenses
- Your ABN number
This information will be used to calculate your monthly disposable income that may be used to service your Personal Credit account.
This information is used to understand what your primary occupation is. You should select the category that most suitably describes your everyday job and your employment status.
You will receive notification via email (if you supply an email address) and the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days.
Citi aims to ensure you have your Business Credit application processed as quickly as possible. To assist us in doing this you can:
- Provide a contact telephone number that will be easy for a Citi to contact you on if required.
- Notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details when we call to verify these details.
- Note, the best way to ensure your application will processed quickly is to provide verified documents that are from certified sources such as your BAS / tax return / pay slip, accountant, etc.
You will receive notification via the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days.
If you are a new customer to Citi you will receive a Citi ATM/EFTPOS Card at this time. If you are an existing Citi customer and already have a Citi ATM/EFTPOS Card linked to your existing account, please call us on 13 24 84 for assistance.
You will receive notification via the post of your application status. If your application has been successful, you will normally be ready to use your account within 10 working days. You will receive a Cheque book Request Form. Sign and return this form and you will receive your Citi Cheque book within 5 working days.
Your credit limit is determined by your individual financial situation. A combination of your verified (i.e., verified through certified sources such as your BAS / tax return / pay slip, accountant, etc.) personal and business income, what you spend each month and Citi Credit criteria are factors that determine the limit you receive. To receive a higher limit, please ensure that you provide valid proof of income and appropriate contact information for yourself and / or your accountant. Should your financial situation change, please call us on 13 24 84 so we can update your details.
Business Credit does have a low $199 one-time establishment (application ) fee and a low $125 annual fee. Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fees may apply.
A Business Credit account must be held in one name. However, you can give another person access to your account. Complete their name and date of birth in the Optional Additional Signatory section of the application form. We'll need you to ensure that this person signs and returns their signature Card to us, along with any additional identification we request before an Additional Card can be sent.
Who can I add?
- You can extend an additional CitiCard to your Business Credit account to one other person.
- Person must be your husband or wife, partner or child (over 18 years of age).
To request an additional cardholder for your Business Credit account, please call us on 13 24 84.
To track the status of your current application, please call us on 13 CITI (13 24 84).
Yes. You can apply again in six months time, and if your circumstances have changed, we'll consider your application. If you need further information on your current credit history, please visit www.mycreditfile.com.au or call Veda Advantage on +61 2 9464 6000.
Initially you'll be given a credit limit based on a combination of your verified personal and business income, what you spend each month and Citi Credit criteria. This will be up to $25,000.
Once you've been a Citi customer for 9 months, you can apply for a credit limit increase simply by logging on to Citi Online Banking. Credit increases will be assessed according to Citi credit criteria.
Yes, you can use your ATM/EFTPOS Card (CitiCard) to withdraw cash wherever you see the PLUS sign in the world, and you can also use your Card to pay by EFTPOS within Australia.
We will send you a statement requesting a minimum repayment every month by a specific date. The minimum monthly repayment is the greater of: $30; or the sum of 1% of outstanding balance plus interest plus late fees.
Non-payment may result in late fees being charged and the suspension or cancellation of your credit facility.
No, there are no penalties for early repayment. Business Credit is a revolving line of credit, which means there's no fixed time to pay off your account, and if you do, you can use your credit limit again and again without having to re-apply.
If you are having difficulty making the required payments on your account (financial or otherwise), call us on
13 24 84. Ask to speak to a Collections Department consultant and they will assist you in meeting your Citi Business Credit repayments.
Yes. There are no penalties for paying off your Business Credit balance in lump sums. And if you need credit again, you can use your account without having to re-apply.
A Business Credit account must be held in one name. However, you can give another person access to your account. Phone CitiPhone on 13 24 84 to set up an additional signatory. We'll need you to ensure that this person signs and returns their signature Card to us, along with any additional identification we request before an Additional Card can be sent.
When you opened your Personal Credit account you will have received a Cheque book Request Form, sign and return this form and you will receive your Citibank Cheque book within 5 working days. If you do not have a copy of this form, please call us on 13 24 84 for assistance. Alternatively print a cheque book request form (Loans for Existing Customers section).
To reorder a Citibank Cheque book, sign on to Internet Banking and select "Account Services - Order a Cheque Book" or alternatively call us on 13 24 84.
Wherever you are in the world, you will have instant access to your Personal Credit account 24x7 just by using your ATM card (Citicard) wherever you see the PLUS sign. And of course there's 24x7 internet banking, plus the back up of a dedicated customer service team just a phone call away on 13 24 84 or if calling from overseas +61 2 8225 0615.
These will be provided to you as soon as your application is successfully completed and you will receive them along with your ATM card (Citicard). View the Business Credit Terms and Conditions (Adobe PDF Format, 209kb).
Please call our customer services team as soon as possible on 13 24 84 or if calling from overseas +61 2 8225 0615. They will be able to arrange for your current card to be cancelled immediately, and for a replacement to be sent to you.
Or, I am looking for information specifically about:
The issuers of CardProtect are AIA Australia Limited ABN 79 004 837 861 AFSL No. 230043 and Great Lakes Reinsurance (UK) PLC ARBN 127 740 532 ABN 18 964 580 576 AFSL No. 318603. The issuers of CardGuard are MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 (MetLife) and ACE Insurance Limited ABN 23 001 642 020 AFSL 239687 (ACE). The distributor is Citigroup Pty Limited ABN 88 004 325 080 AFSL No 238098. This material contains general advice only and does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement to decide if the policy is right for you. Credit account means any credit card or line of credit product issued by Citibank to you to which the policy applies.