BENEFITS AND OFFERS

Balance Transfer

Balance Transfer offers are available to eligible Ready Credit customers who have activated and been using their account for 6 months or more.

Why pay more than you have to?

Why pay more than you have to?

A Balance Transfer can help you save on interest by moving balances from your store cards, non-Citi loans and credit cards over to your Citi Ready Credit account, at a promotional interest rate.

$500 minimum Balance transfer, up to 80% of your available credit limit.

If you don't have any balances to transfer and still want to take advantage of the great rate, you can.

Simply tell us how much you want, up to 80% of your available credit limit and you can enjoy the promotional Balance Transfer rate and use the cash to buy anything you like,
when the time is right for you.

HOW TO GET A BALANCE TRANSFER.
HOW TO GET A BALANCE TRANSFER

HOW TO GET A BALANCE TRANSFER

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When you have a Balance Transfer offer available, it will show in My Offers which is our online portal allowing you to accept offers easily online.

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INSTANT DISCOUNTS AND SPECIAL OFFERS
INSTANT DISCOUNTS AND SPECIAL OFFERS

INSTANT DISCOUNTS AND SPECIAL OFFERS

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Instant discounts range from car hire, travel delights and more.

The best thing is they are available to you anytime.

> VIEW OFFER RANGE

Important information:

The minimum amount that can be transferred is $500. Transferred balances are repaid before cash advances and purchases. If you have an existing transferred balance on your account, the balance with the lowest interest rate will be repaid first. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citi Ready Credit account standard variable Annual Percentage rate, as set out on your statement. We may limit balance transfers to a percentage of your Credit Limit.