• Citi Ready Credit.

    Be ready for anything.

    5.9 % p.a.
    3 YEAR TERM.

    on initial balances transferred1

    Citi Ready Credit. Be ready for anything.

Be ready for anything.


Be ready for anything.


Having Citi Ready Credit on hand means you're always ready to take on life as your line of credit will be available to you whenever the opportunity arises. You will also have the flexibility to choose your own repayments (minimums apply).

For a limited time enjoy an introductory rate of 5.9% p.a. on the initial balance transferred for the first 3 years. A standard variable rate of 19.99% p.a. applies to balances after 3 years, purchases and redraws1.

  • A convenient line of credit
  • No monthly or annual fees2
  • No early payout fees and no additional repayment fee so you can make a lump sum repayment at any time
  • Choose your own repayments each month (minimums apply)
  • Credit limits from $5,000 - $75,000
  • A one off $199 establishment fee3
  • No monthly fee2
  • A one off $199 establishment fee3
  • No early payout fees
  • No additional payment fee
  • Earn an income of $40,000 p.a. or more
  • A good credit rating
  • 18 years of age or older
  • Permanent Australian resident

Flexible features:

Flexible features:

  • Withdraw funds whenever you like up to your approved credit limit, at the standard variable rate, currently
    19.99% p.a. then re-pay at your own pace. You don't need to reapply.

Upon approval of your application, simply call us to arrange your credit limit to be transferred to a financial institution of your choice via BPAY or you can request a cheque.

  • How much can I borrow?

    How much can I borrow?

  • Calculate your loan repayments

    Calculate your loan repayments

  • Useful forms and links

    Useful forms and links

Important information: (enlarged viewing)

Terms and conditions for Citi Ready Credit

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. Existing lending customers are not eligible to apply for this introductory offer.

  1. The 5.9% p.a. interest rate applies to the initial balance transferred for 36 months from the date your account is approved. The initial balance transferred can be either a Balance Transfer (BT) at the point of application, or a cheque-to-self within 90 days of Account opening. Cheques-to-self will appear as a BT on your statement. Payments are applied to introductory offer BT amounts before Cash Advances, and if your Account has more than one BT, the BT at the lowest interest rate will be repaid first. Transferred Balances will be repaid first before establishment fee which attracts interest at the standard variable rate. At the end of the introductory offer period, the interest rate on any outstanding balance will revert to the standard variable rate, currently 19.99% p.a. Interest rates are variable and subject to change. This information is current as at 2 July 2018. Offer ends 31 December 2018. Offer may be extended, withdrawn or changed at any time.
  2. Other service fees and charges including late payment fee and dishonour fee may apply.
  3. An establishment fee of $199 will be debited to your Citi Account on the date we issue you a statement of Account for the Statement Period in which you first use or activate your Account. The establishment fee is billed in addition to the amount borrowed.

© 2018 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.