| 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. |
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| Ready Credit, Personal Credit, Business Credit |
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 Activate your Visa Debit card |
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| Once you receive your Citi Visa Debit Card, please sign it immediately. Then to activate your Account, please follow the instructions on the letter to which your Citibank Visa Debit Card was attached. |
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| Your PINs explained |
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| ATM PIN - This is used to obtain cash or Account balances from your revolving credit Account at ATMs. This number is also used (along with your Citibank Visa Debit Card number or Ready Credit Account number) to access Citibank Online - our Internet Banking facility. |
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| TPIN - The Telephone PIN (or TPIN) is your security access code for Self-Service phone banking and works in much the same way as a PIN for an ATM. Along with your Citibank Visa Debit Card or account number, your TPIN gives you access to CitiPhone Banking. |
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| Register for Online Banking |
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| You can sign onto Citibank Online Internet Banking 24 hours a day, 7 days a week to check your Account balance, pay bills or service your Account remotely. And you can do all this from anywhere in the world, at any time of day. |
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| Accessing Citibank Online |
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- Go to www.citibank.com.au and click on the 'Sign On' button
- Enter your Citi Visa Debit Card number and ATM PIN
- If you have forgotten or misplaced your ATM PIN, please call CitiPhone Banking to request a new ATM PIN. Within Australia, call 13 24 84. From overseas, call +61 2 8225 0615.
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| Services you can access @ Citibank Online: |
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- Account balance and recent transactions
- Statement enquiries and requests
- Account activity
- Transfer funds and make payments to other Citibank Accounts
- Transfer funds to another Account in Australia
- Transfer funds abroad
- Pay bills using BPAY
- Update address and contact details
- Change ATM PIN
- Order Cheque/Deposit books
- Order bank drafts/cheques
- Download Account information for use in personal banking software
- Send secure e-mails to Citibank Australia
- My offers: Displays a variety of offers which have been especially selected for you. These offers include Credit Limit increases or Balance Transfers at a reduced rate
- e - Statements: Receive monthly email notifications when your statement is ready to view online.
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| Payment Options and How to Setup Direct Debit |
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| When it comes to making monthly payments, you have a range of convenient options. Simply choose the one that suits you best. |
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- Convenient and easy to set up
- Repayments automatically made every month on the due date
- Repayments taken from the bank account of your choice
- No missed repayments or late payment fees
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| Easi-Pay |
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| This is your no-worries, hassle-free direct debit facility. Repayments on your account are transferred automatically from your nominated bank account. So there's no need to remember monthly repayments. The transfer takes place on the Due Date and there is no Citi bank charge for this service. Please ensure there are sufficient funds in the account on the monthly due date. |
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| Download Easi-Pay Application form (Adobe PDF 507kb) |
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| BPAY® |
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| Pay your Account from your home or your office, with online or over the phone. Your customer reference number is your Account Number, which appears on your monthly statement. To pay from any account, use BPAY Biller Codes: |
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- Personal Credit 49726
- Ready Credit 49528
- Business Credit 49528
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| Post |
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| Enclose your completed Remittance Advice and mail with your cheque (no notes or coins accepted) to Citi, GPO Box 749F, Melbourne, VIC 8105. |
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| Citiphone Banking |
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| From the convenience of your home or office, Call CitiPhone at anytime on 13 CITI (13 24 84), enter your Account or Visa Debit CitiCard number and TPIN, and follow the simple instructions to make a payment. |
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| Citi Online Internet Banking |
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| Transfer funds from an existing Citi Account online at www.citibank.com.au. You can also make a payment online from your home or office by transferring funds from another Citi Account (excluding Credit Cards). You can check that the transfer has gone through by reviewing balances for both Accounts online. Alternatively, you can also transfer funds from a nominated bank account. |
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| Australia Post |
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| Present cash, cheque or EFTPOS payments along with your Visa Debit CitiCard or barcode Monthly Statement at any Australia Post outlet displaying the Bank@Post symbol. |
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| If your due date falls on Saturday, Sunday or Public Holiday, your repayment is due on the previous banking day. If there is no corresponding day in a month, the repayment is due on the last day of that month, e.g. if your repayments are due on the 30th of each month, the February repayment will be due on the last banking day in February. |
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*Please make the cheque payable to the appropriate account:
Ready Credit - Ready Credit Account name and number
Personal Credit - Personal Credit Account name and number Business Credit
- Citi Business Credit Account name & number |
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| A monthly statement of your Account will be sent to you, showing all transactions and interest charges for the month. You are not required to pay your Account in full each month. You need only pay the total amount due, as stated on your monthly statement. |
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| Request a Cheque book |
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| 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. |
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| If you do not have a copy of this form, please call CitiPhone on 13 24 84 and a Cheque book Request Form will be sent to you for completion. |
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| Reorder a Cheque book |
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| To reorder a Citi Cheque book, sign on to Internet Banking and select "Account Services - Order a Cheque Book" or alternatively call CitiPhone on 13 24 84. |
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| Request a credit limit increase |
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| Once you've been a Ready Credit customer for more than 9 months, you can request a credit limit increase. 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 |
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| What do I need to increase my credit limit? |
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| Before you request an increase of the credit limit of your Ready Credit account, ensure you have the following information: |
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- The limit increase that you would like
- Your current income per annum (after tax)
- Your monthly expenditure including 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)
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| In order to speed up the process of your credit limit increase, if you have had a change/increase in income please have a copy of your current pay slip or your latest Tax Assessment notice (if self-employed) ready. |
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| Add an additional signatory |
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| You can have an additional signatory linked to your account. Transactions for both Cards will appear on the one, easy to read monthly statement. |
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| Who can I add? |
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- You can extend an additional CitiCard to your 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, sign on to Citi Online Banking at www.citibank.com.au. Click on the 'Account Services' tab in the top menu, then select 'Banking Services'. Alternatively, print and complete the form relating to your account.
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| Protect your credit |
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| Citibank invites you to enjoy the benefits of NEW CardProtect - comprehensive credit card protection insurance created exclusively for Citibank customers. |
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| How does CardProtect work? |
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- CardProtect will pay 5% of the Outstanding Balance on your credit account statement if you are unable to, in the event of serious illness, accidental injury or the loss of your job.
- CardProtect also pays the entire outstanding balance on your credit account up to a maximum of $50,000 in the event of your death, or up to $100,000 if death is as a result of an accident.
- With CardProtect, you'll also enjoy a helping hand when you face life's everyday events - such as leaving your job, getting married, having or adopting a child, buying a new home or even getting separated or divorced.
- You may be eligible for cover if you:
have a valid Citibank credit card or credit account (Ready Credit, Personal Credit or Business Credit account)
are aged 18 years or older and less than 64 years of age; and
are an Australian citizen or permanent resident of Australia.
- CardProtect costs a low 59c per month per $100 of your Citibank credit card account's closing balance. You can relax knowing your premiums are automatically charged to your Citibank credit card account each month.
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| 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 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. |
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| Download the CardProtect Product Disclosure Statement (Adobe PDF, 235kb) |
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| Please also refer to the Financial Services Guide (FSG) |
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| My offers |
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| My Offers displays a variety of offers which have been especially selected for you! |
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| As these offers have been specially selected for you, your offers can range from Pre-approved* Credit Limit increases or balance transfers at a reduced rate. |
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| My Offers also allows you to be in control of what you want on your account. You can apply online for a higher limit or request additional card holders on the account. |
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| To access My Offers, just follow these easy steps: |
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- Go to www.citibank.com.au.
- Log into your account by clicking on the "Sign On" button (if you do not have a Citi online account, please refer to below)
- Click on MY OFFERS tab at the right hand corner of the home page
- You will then see the best offer available to you. To accept this offer or to find out more about the offer, simply click on the tile or the "Learn More" link
- If you'd like to see a full list of the offers you're eligible for, please click on the "More Offers" link
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| Service Fee and Charges |
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| Learn about using your ATM PIN in retail shops |
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| Your Visa Debit card can be used to access cash at over 800,000 ATM's worldwide and at over 23 million retailers internationally. |
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| If you do not have a Visa debit card, you can order one by ringing CitiPhone on 132 484. We will send you a new Visa Debit card to replace your existing ATM debit card |
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| For more information, please click here |
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| Personal Loan |
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| Payment Options and How to Setup a Direct Debit |
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| When it comes to making monthly payments, you have a range of convenient options. Simply choose the one that suits you best. |
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| Direct Debit |
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- Convenient and easy to set up
- Repayments automatically made every month on the due date
- Repayments taken from the bank account of your choice
- No missed repayments or late payment fees
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| Easi-Pay (Download application form, Adobe PDF 507kb) |
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| If you have chosen to make your repayments using our direct debit service Easi-Pay, your repayments will automatically be made on time from your nominated bank account. Using Easi-pay avoids the hassle of remembering to make repayments each month, and helps prevent incurring unwanted late fees. Please ensure there are sufficient funds in the account on the monthly due date. |
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| BPAY® |
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| Bpay® If you are registered for internet and/or phone banking with the financial institution that holds the account you want to pay from you can use Bpay® to make repayments. Just follow the simple prompts and enter Biller Code 49593 followed by your Citi Personal Loan Account number xxxxxxxxx as your Customer Reference number. |
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| Post |
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| Enclose your cheque (no notes or coins accepted) to Citi Pty Limited, GPO Box 749F, Melbourne, VIC 8105. Please make the cheque payable to Citi with your account number and name. |
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| Citi Online Internet Banking |
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| Transfer funds from an existing Citi Account online at www.citibank.com.au. You can make a payment online from your home or office by transferring funds from another Citi Account (excluding Credit Cards). Simply follow these 3 easy steps: |
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- Select bill transfers and payments, and then add payee
- Select payee type as "Another Citi account."
Enter your Citi Personal Loan account number, with 5 zeros at the front (eg. 0000057XXXXXXX)
- Activate the payee as per usual
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| Australia Post |
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| Present cash, cheque or EFTPOS payments along with your deposit book (to order a deposit book please call CitiPhone on 13 24 84) |
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| Please make the cheque payable to Citi with your account number and name. |
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| My offers |
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| To view any offers that may be available to you, sign on to Citi Online Banking at www.citibank.com.au. Click on the 'My offers' tab in the top menu. |
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| Useful Forms |
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| Ordering by phone or mail |
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| You can also order by calling CitiPhone on 13 24 84, or by mailing us a request (or sending us the reorder voucher from your existing deposit book) to Citi Banking Services, GPO Box 40, Sydney NSW 2001. |
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| Service Fee and Charges |
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| Protect your loan |
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| Citi can offer you payment protection for your Citi Personal Loan in the event of a temporary or permanent disability, death or unemployment cover with Loanguard#. |
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| Benefits of Loanguard |
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- Cover up to $75,000^
- Payment protect term linked to your finance contract of up to five years
- One time premium with no monthly payments
- In addition to disability and death benefits you can now choose unemployment cover
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| How does Loanguard work? |
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- If you suffer from one of the listed critical illnesses, or in the event of your death, total disablement, or unemployment, Loanguard will pay off your entire Personal Loan account balance up to $75,000
- If you are under 60 years of age and hold a Personal Loan account you are eligible for this affordable protection with no medical examination required
- Loanguard Insurance premium is calculated as a percentage of the total loan amount and is determined by the term of the loan
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| Loanguard makes it possible for you to borrow with confidence giving you peace of mind knowing that your loan repayments will be met in the event of disability or death. |
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| Once you are approved, a Citi Personal Loan specialist will contact you to discuss your loan and provide you with more information about Loanguard. |
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| Download the Loanguard Product Disclosure Statement (Adobe PDF, 145kb) |
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| Please also refer to the Financial Services Guide (FSG) |
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Terms and conditions apply.This website contains general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. You should also consider the relevant Product Disclosure Statement (PDS) before making any decision about a product detailed on this website.# Loanguard is issued by MetLife Insurance Ltd. ABN 75 004 274 882 AFSL 238096. A Financial Services Guide and Product Disclosure Statement (PDS) for Loanguard is available for downloading. You should obtain a PDS and consider it before making a decision whether to acquire or continue to hold this product. This website contains general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. If you have any questions, or if you would like to discuss your insurance options with us, please call 13 24 84.^ Conditions apply.® Registered to BPAY Pty Ltd ABN 69 079 137 518
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