Adventure is calling
with 70,000 bonus Velocity Points1
Apply now Offer ends 30 April 2024
Offer ends 30 April 2024
Adventure is calling
with 70,000 bonus Velocity Points1
Apply now Offer ends 30 April 2024
Offer ends 30 April 2024
Make memories bonus Velocity Points
5 years
on the initial balance that you request to be transferred to your bank account2
Here are some more reasons to choose Citi Ready Credit
Citi Ready Credit is a line of credit that can help bring your grand plans to life! You can spend on a big purchase like a second-hand car, a family holiday or use it to pay off an existing balance. Enjoy an introductory fixed rate of 8.9% p.a. for 5 years on the initial balance that you request to be transferred to your bank account.2
Apply online in as little as 10 minutes and you’ll also receive 70,000 bonus Velocity Frequent Flyer Points when you request a balance to be transferred of $1,000 or more within 3 months from approval.1 Whatever your needs may be, Citi Ready Credit ensures you have the funds you need, when you need them.
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 Velocity Frequent Flyer Points take you?
Adventure in Asia
Fly from Melbourne to Singapore return, on an Economy Class Reward Seat (58,000 Velocity Points, plus $278.47 in taxes, fees and carrier charges) flying with Singapore Airlines*
Points to Paradise
Fly from Sydney to Fiji return, on an Economy Class Reward Seat (35,600 Velocity Points, plus $300.50 in taxes, fees and carrier charges) flying Virgin Australia*
What can I use Citi Ready Credit for?
Follow these 3 steps to activate your introductory offer2
Once the money's in your bank account, whenever you find that dream car or that big family holiday, you're ready to go for it.
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.
Here's what you'll
need to apply for Citi Ready Credit
need to apply for Citi Ready Credit
Around 10 minutes to completed the application
Be 18 years or older, a permanent Australian resident and have your BSB and Account number ready
Upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review
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.
Not quite what you're looking for?
Consider Citi Personal Loan Plus with a low variable rate of 10.90% p.a. and fixed monthly repayments for 3, 4 or 5 years. (Comparison rate 11.19% p.a.) Comparison rate warning. Fees and charges, T&Cs apply.
Citi Ready Credit FAQs
Citi Ready Credit FAQs
-
What is a line of credit?
-
What might a line of credit be suitable for?
-
What is a balance transfer and how could it help me to save on interest?
-
How do I make my repayments?
-
How can I make a balance transfer work for me?
-
Am I ok to apply if I’m already a customer?
-
What documents do I need for a loan application?
Calculators & Tools
Borrowing Power calculator
Estimate what you can borrow with our helpful borrowing power calculator
Compare Loans
Compare our Personal Lending products and find the one that best suits your needs