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Welcome to the Citibank Lending Comparison Table. Simply select any or all our loans to compare. You can click on each feature category in the left column to show/hide each feature for the Lending product(s) selected. If you have any further queries you can
email
us or
go to Online Service Desk
, or call CitiPhone on 13 CITI (13 24 84) at anytime.
Type
Standard Interest rate
Introductory Offer
Loan amounts
Loan term
Security
Repayment frequency
Minimum repayments
Ability to make additional repayments
Redraw facility
Loan insurance
Minimum income
Minimum age
Establishment fee
Annual fee
Monthly fee
Late payment fee
Early termination fee
Redraw Fee
Repayment methods
Access funds
Internet banking
Phone banking
Online
Mail/Fax
Phone
Revolving line of credit
Variable
15.59% p.a.
3
ongoing
1.9% p.a. for 6 months
3
.
Cash Advance Rate after 6 months
. 9.9% p.a. for 15 months on purchases
5
.
$5,000 to $30,000
Revolving
Unsecured
Monthly
The greater of $30; or the sum of 1% of outstanding balances plus interest plus late fees
Yes
CardProtect
#
$30,000
18
$69
4
$99
$0
$10 for every 7 days
$0
$0
Direct Debit (Citi Easi-Pay)
BPAY
Mail
Australia Post
ATM/ EFTPOS
Cheque book
Visa Debit
1300 793 328
(quote VWRABNT1)
Revolving line of credit
variable 18.99% p.a.
3
ongoing
0.9% p.a. for 6 months
3
.
Cash Advance Rate after 6 months
. 9.9% p.a. for 15 months on purchases
6
.
$5,000 to $30,000
Revolving
Unsecured
Monthly
The greater of $30; or the sum of 1% of outstanding balances plus interest plus late fees
Yes
CardProtect
#
$30,000
18
$69
4
$0
$0
$10 for every 7 days
$0
$0
Direct Debit (Citi Easi-Pay)
BPAY
Mail
Australia Post
ATM/ EFTPOS
Cheque book
Visa Debit
1300 793 328
(quote RWRABNT1)
Revolving line of credit
Variable
15.49% p.a.
3
ongoing
n/a
$5,000 to $50,000
1
Revolving
Unsecured
Monthly
The greater of $30; or the sum of 1% of outstanding balances plus interest plus late fees
Yes
CardProtect
#
$30,000
18
$199
$125
$0
$10 for every 7 days
$0
$0
Direct Debit (Citi Easi-Pay)
BPAY
Mail
Australia Post
ATM/ EFTPOS
Cheque book
Visa Debit
N/A
N/A
Terms and conditions apply and are available upon request. Fees and charges apply. Credit Criteria apply.
Personal Credit
1. The credit line of $5,000 to $30,000 is subject to Citibank credit criteria.
The 9.9%p.a. introductory interest rate will only apply to retail purchases and cash advances made on your account for a period of 15 months after account opening. At the end of the introductory interest rate period the interest rate for new purchases and any outstanding purchase balance will revert to the standard interest rate for purchases and any outstanding cash advances shall revert to the standard interest rate for cash advances. Interest rates are variable, subject to change and credit criteria. This information is current as at 15 December 2009. This offer ends 31 December 2011. Current Citibank Customers are not eligible to apply for this introductory offer.
3. Interest rate is 15.59% p.a. This interest rate is variable and subject to change.
4. A $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.
5. The 0.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit cash advance interest rate, currently 18.99% p.a. The current Citibank Ready Credit interest rate for retail purchases is 18.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 15 December 2009. This offer ends 31 December 2011. Current Citibank Customers are not eligible to apply for this introductory offer.
#. Issuers: AIA Australia Limited ABN 79 004 837 861, AFSL 230043 and Great Lakes Reinsurance (UK) PLC ABN 18 964 580 57, AFSL 318603. You should consider the Product Disclosure Statement available at www.citibank.com.au, and whether or not the product is appropriate for you, before making a decision about the product.
Ready Credit
1. The credit line of $5,000 to $30,000 is subject to Citibank credit criteria.
3. Interest rate is 18.99% p.a. This interest rate is variable and subject to change.
4. A $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.
5. 9.9% p.a. introductory interest rate is available on purchases, cash advances, and balance transfers. After the 15 month introductory period the balance transfer rate will revert to the cash advance rate, the purchase rate will revert to an interest rate of 18.99% p.a. This interest rate is variable and subject to change and Citibank credit criteria.
6. 0.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 6 months. The 6 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit cash advance interest rate, currently 18.99% p.a. The current Citibank Ready Credit interest rate for retail purchases is 18.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 15 December 2009. This offer ends 31 December 2011. Current Citibank Customers are not eligible to apply for this introductory offer.
#. Issuers: AIA Australia Limited ABN 79 004 837 861, AFSL 230043 and Great Lakes Reinsurance (UK) PLC ABN 18 964 580 57, AFSL 318603. You should consider the Product Disclosure Statement available at www.citibank.com.au, and whether or not the product is appropriate for you, before making a decision about the product..