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What do you mean 'wrap up my credit cards?'

Citibank Ready Credit is a perfect way to consolidate your credit card debts. By transferring your balances from non-Citibank credit accounts to Ready Credit, you'll wrap up your debts under one low rate of 4.9% p.a.* for as long as it takes for you to pay off the amount transferred†, giving you a clean slate for Christmas.

Ready Credit will actually save you money

Yes, you did read that correctly, Ready Credit will actually save you money. Along with the low rate on balance transfers† you’ll incur no annual, ATM, cash advance, cheque or early repayment feesˆ so it costs you nothing to set up and maintain.

See below how much you can save with Ready Credit:

  Card Nominal interest rate Annual fee Annual interest cost on $5,000 balance Saving with Ready Credit
  American Express Blue Card 16.99% $35# $779 $563
  ANZ First Free Days 16.75% $30 $815 $599
  Commonwealth Bank MasterCard/Visa 16.65% $30 $832 $617
  National Australia Bank MasterCard/Visa 16.25% $26.50 $767 $551
  Westpac Altitude Card 17.65% $100 $874 $659
 
Current at 12/10/2004. Competitors' information sourced from CANNEX and subject to change. Interest costs and savings assume monthly payments of 2.5% of outstanding balance. Savings represent our competitor's annual interest charges less Citibank's annual interest charges on a balance transfer. Savings will vary depending on actual account usage. Information is for illustrative purposes only. #No annual fee in the first year.

As well as saving you money, Ready Credit can offer you a wide range of features and benefits over conventional personal loans.

  • Between $5,000 and $25,000# at your disposal
  • You'll incur no annual, ATM, cash advance, cheque or early repayment fees^
  • Apply once, then use it again and again
  • Pay interest only on what you use
  • 24x7 access to cash via ATM/EFTPOS or chequebook
Apply Now with Ready Credit and start your Christmas shopping early
Existing customers are not eligible for this introductory offer. Applications may not be accepted if you have accepted another Citibank offer in the last 9 months. Terms and conditions apply and are available on request. Allow up to 10 working days to process your application.
*4.9% interest rate is only available on balances transferred with this offer. †The transferred balance will be repaid first. Transactions made other than with this offer are at the preferred customer rate, currently 15.75% p.a. The preferred customer rate is variable and subject to change and Citibank credit criteria.
^ Government charges and a late payment fee apply. # The credit line of $5,000 to $25,000 is subject to Citibank credit criteria.
 
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