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Citi Ready Credit
Help with loans
Start doing with our lending products
Take control of your finances, get the things you want in life or have extra funds ready just in case with Citi Ready Credit. Simple and hassle-free - apply in as little as 10 minutes and get started on your next big thing.
My gross annual income
I can afford to pay each month^
The estimated amount
you could borrow is*
$25,000
^If you need help understanding your budget, try this simple money manager tool from Money Smart.
*This calculation is an estimate only and does not represent quotes or pre-qualification for the product and is based on the accuracy of information provided. To apply for a lending product you must complete an application. Fees and charges apply and are subject to change. Applications are subject to our standard credit criteria and full terms and conditions.
For Citi Ready Credit a credit line of between $5,000 and $75,000 will be assigned based on our credit criteria and your credit rating.
3 years
on the initial balance you request to be transferred to your bank account within 3 months from approval1
Citi Ready Credit
A standard variable rate of 22.49% p.a. applies to any unpaid balance transferred after 3 years and any purchases or cash advances during or after the promotional period.
Check out what you could do with our personal lending products
Upgrade your car
Simplify your next car purchase with Citi Ready Credit. Pay interest on only what you use not your entire credit limit, giving you the negotiating power like never before.
Transform your home
Make your dream home a reality without stress. Citi Ready Credit offers flexible repayments, so you can manage your renovation smoothly without touching your existing assets like your home loan.
Your ticket to travel
Finance your entire holiday hassle-free from flights, to accommodation and more. Pack your bags and let Citi Ready Credit redefine your travel financing experience.
Things you should know
National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.
Our/us/we means NAB unless the context otherwise requires it.
“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.
Fees and charges, Terms and conditions apply and are available upon request. Credit criteria apply. New applications only and not available in conjunction with any other offer.
This information is current as at 1 November 2024.
Citi Ready Credit
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
1. Introductory rate: Offer commenced 1 November 2024. The introductory interest rate of 6.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 6.9% p.a. will apply for a promotional period of 3 years. The 3-year promotional period will commence once the initial balance transfer is processed. This promotion will be treated as a balance transfer in accordance with the Unsecured Credit Terms and Conditions and Other Important Information. Any balance transfer requests submitted with your application will be processed when you activate your account. If you do not submit a balance transfer request with your application, you will need to call us to submit a balance transfer request within 3 months from account approval to request one, otherwise the introductory rate will not apply to your balance transfer and you will be charged the standard variable Annual Percentage Rate (APR), currently 22.49% p.a. During the introductory period, repayments are allocated to balance transfers before retail purchases and cash advances, which attract interest at the standard variable APR of 22.49% p.a. At the end of the promotional period, the APR on any outstanding balance transferred with this offer will revert to the standard variable APR. This offer excludes balances transferred from other Citi branded unsecured credit products. We may vary or end this offer at any time.