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Get ready. Get set. Fly!
Enjoy 70,000 Qantas Points now with Citi Ready Credit1
Apply now Or call us on 1300 790 926
Get ready. Get set. Fly!
Enjoy 70,000 Qantas Points now with Citi Ready Credit1
Apply now Or call us on 1300 790 926
Citi Ready Credit
8.9% p.a. | 5 years
Citi Ready Credit is a line of credit that can help your travel dreams come true. Go ahead and spend on any big purchases or use it to pay off an existing balance elsewhere. Enjoy a rate of 8.9% p.a. for 5 years on the initial balance you request to be transferred to your bank account.2
Earn 70,000 Qantas Points when you request a balance to be transferred of $5,000 or more within 3 months of approval.1
A standard variable rate of 20.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.
Where could 70,000 Qantas Points take you?
Sydney to Fiji
Business one way on a Classic Flight Reward for 1 person = 41,500 Qantas Points + AUD $100
Taxes, fees and carrier charges4
Sydney to Bangkok
Economy return on a Classic Flight Reward for 1 person = 50,400 Qantas Points + AUD $249
Taxes, fees and carrier charges4
What can I use Citi Ready Credit for?
Activate your introductory offer in just 3 steps
How to earn your 70,000 Qantas Points1
You can be eligible for 70,000 Qantas Points with Citi Ready Credit by following these 3 steps:
- Apply for a new Citi Ready Credit account before 29 February 2024 and request $5,000 or more to be transferred to your bank account within 3 months from approval. You can do this as part of your application, or by calling us on 1300 790 926.
- Then, make sure you maintain a balance on your account and make repayments on time. This will be checked before we transfer your Qantas Points.
- Provide us your Qantas Frequent Flyer number. We’ll email you within 2 months of when the balance you request to be transferred was processed, and may also send you an SMS reminder. To earn the 70,000 Qantas Points you’ll need to follow the instructions in the email, including providing your Qantas Frequent Flyer number within 2 months.
You must be a Qantas Frequent Flyer member to receive the Qantas Points. If you’re not already a member, you can sign up here. You should also ensure that the details you provide us match those of your Qantas Frequent Flyer account, if they do not match we won’t be able to credit you with the 70,000 Qantas Points. If you need to, you can read about how to update your Qantas Frequent Flyer details here.
Frequently asked questions
Frequently asked questions
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Will I still receive the Qantas Points if I repay the initial balance I request to be transferred?
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What happens if I don’t provide my Qantas Frequent Flyer number?
Repayment calculator
To give you an idea of your estimated monthly repayments on the initial amount transferred to your account, enter the amount you'd like to borrow.
8.9% p.a.
for 5 years on the initial balance you request to be transferred to your bank account2
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 8.9% p.a. for 5 years. It does not take into account the establishment fee, 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 20.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.
Rates and Fees
There may be circumstances in which you have to pay other fees. A full list of current fees applicable to Citi Ready Credit can be viewed at our Personal Lending Rates, Fees & Charges page.