Repayments on your lending account.
Your repayments are monthly on each Payment Due Date, as advised in your statement. Your monthly Minimum Payment Due is the greater of; 30; or the sum (rounded up to the next dollar) of the interest charges for the Statement Period, plus 1% of your Closing Balance (less any instalment loan balance and Monthly Instalment for that month), plus any billed late payment fees and monthly account service fees as at the end of the Statement Period. Plus any Monthly Instalment for that month.
Any amount over your Credit Limit and any due but unpaid amounts from previous statements must be paid immediately. Where your Closing Balance less any instalment loan balance and Monthly Instalment is less than $30, this Balance must be paid in full.
Citi Easi-Pay automatically pays your minimum payment due on your lending account every
month on the payment due date, from your nominated bank account. To set up Easi-Pay, simply
fill in the form below and send it to us - we'll do the rest.
To pay your lending account online or over the phone from a non-Citibank account, use your
account number as your customer reference number and use the relevant BPAY Biller Code from
the below revolving credit product list:
- Ready Credit 49528
- Personal Credit 49726
- Business Credit 49528
Call us anytime on 13 24 84, enter your account or Debit card number and TPIN,
and follow the simple instructions to make a payment.
Any use of the reusable credit facility will require monthly repayments in addition to the Monthly Instalment. These amounts will be included in the Minimum Payment Due amount on your statement. Monthly repayments will first be allocated towards payment of your instalment loan(s). Any additional payments will be applied to any balances that are not part of your instalment loan(s). If you fail to pay your Monthly Instalment, the Bank reserves the right to cancel your instalment loan. For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.
Payments are applied to BT amounts before Cash Advances and retail purchases, and if your Account has more than one BT, the BT at the lowest interest rate will be repaid first.