Calculate your borrowing power

My gross annual income

$75,000

75000

I can afford to pay each month^{^}

$1,000

1000

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.

8.9% p.a.

5 years

on the initial balance you request to be transferred to your bank account within 3 months from approval¹

Citi Ready Credit

An ongoing line of credit you can access at any time, without having to reapply

Request a transfer of up to 100% of your credit limit, at the introductory rate, to an Australian bank account in your name

Choose your own repayments each month, over the minimum payment due

Only pay interest on the amount you have used, not your whole credit limit

A standard variable rate of 22.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.

Learn more about this offer

Check out what you could do with our personal lending products

Upgrade your car

Transform your home

Your ticket to travel

Make the unpredictable more manageable

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 21 October 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 May 2024. The introductory interest rate of 8.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 8.9% p.a. will apply for a promotional period of 5 years. The 5-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.