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Citi Ready Credit
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To help you plan out your monthly budget, you can use our repayments calculators to estimate what your monthly repayments will be based on the amount you want to borrow. To get started, just complete the fields below.
Citi Ready Credit
Citi Ready Credit is a line of credit that you can dip into whenever you need, without reapplying. With the introductory offer on the initial balance transferred, you can request the transfer of funds to your bank account.
I want to borrow
Your estimated repayments will be
*Your monthly repayments are flexible. This is the monthly repayment you would need to repay the initial balance transferred in full at a rate of 6.9% p.a. over 3 years. It does not take into account the establishment fee2, ongoing purchases and cash advances.
The minimum payment due on your statement will not be the same as the monthly repayment shown here. You can pay more than the minimum payment due with no additional repayment fee.
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.
What can I use Citi Ready Credit for?
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 apply. Terms and conditions apply and are available upon request. Credit criteria apply. New applications only and is 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.
2. Establishment fee: An Establishment fee of $249 will be debited to your Citi Ready Credit account on the date we issue the first statement of account after you activate your account. The Establishment fee is billed in addition to the amount borrowed. We may vary or end this offer at any time.