Your personal cash flow solution. A low ongoing 14.5% p.a.^ Powered by Citi.
Citibank Personal Credit gives you a ready source of easily accessible funds to help you manage the cost of living with maximum freedom and convenience.

At just 14.5% p.a.^ you have access to an affordable ongoing line of credit to fund anything from school fees, educational costs, medical bills to home furnishings. Plus, Citibank Personal Credit gives you the freedom to repay however it suits your income flow and redraw at any time up to your credit limit.
An accessible finance to suite your lifestyle.
Only pay interest on amount used
Up to $30,0002 cash to spend on whatever you like
Visa Debit Card for ATM cash withdrawals with no cash advance fees3
No fixed term4. Repay at your own pace
Use your account again and again without having to re-apply
A low one off $69 establishment fee5
A low annual fee of $99
Access to Citibank Dining Program6
Unsecured line of credit - use it however you want.
Personal Credit gives you the flexible cash flow you need to make the most of life, so apply online today.
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'Free wine. I'll drink to that.'

Important Information

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.

^. The Citibank Personal Credit standard Annual Percentage Rate is currently 14.5% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 September 2012. Existing Ready Credit and Personal Credit customers are not eligible to apply for this introductory offer.

2. A credit line of between $2,000 and $30,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year.

3. Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fee may apply.

4. Minimum repayments apply.

5. $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.

6. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399717. Please visit for important information about how to use this program to receive a free bottle of wine.

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