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Compare our lending products.

  • Introductory rate

    Citi Personal Loan Plus

    N/A

    Citi Ready Credit
    - long balance transfer

    3.99% p.a. for 3 years on the initial balance transferred6

    Citi Ready Credit
    - purchases and balance transfer offer

    0% p.a. for 6 months on purchases and the initial balance transferred8

  • Standard variable interest rate

    Citi Personal Loan Plus

    Variable APR: 8.90% p.a. for new loans only. 
    Interest rates current as at 31 March 2021 and subject to change at any time.

    Citi Ready Credit
    - long balance transfer

    20.49% p.a.

    Citi Ready Credit
    - purchases and balance transfer offer

    20.49% p.a.

  • Comparison Rate

    Citi Personal Loan Plus

    9.18% p.a.1

    Citi Ready Credit
    - long balance transfer

    N/A

    Citi Ready Credit
    - purchases and balance transfer offer

    N/A

  • Loan amounts

    Citi Personal Loan Plus

    $5,000 - $40,000

    Citi Ready Credit
    - long balance transfer

    $5,000 - $75,000

    Citi Ready Credit
    - purchases and balance transfer offer

    $5,000 - $75,000

  • Ability to make additional repayments

    Citi Personal Loan Plus


    •  

    Citi Ready Credit
    - long balance transfer


    •  

    Citi Ready Credit
    - purchases and balance transfer offer


    •  
  • No early pay out fees

    Citi Personal Loan Plus


    •  

    Citi Ready Credit
    - long balance transfer


    •  

    Citi Ready Credit
    - purchases and balance transfer offer


    •  
  • Complimentary insurance

    Citi Personal Loan Plus

    • Purchase Cover Insurance2
    • Extended Warranty Insurance2
    • Guaranteed Pricing Scheme2
       

    Citi Ready Credit
    - long balance transfer

    • Purchase Cover Insurance2
    • Extended Warranty Insurance2
    • Guaranteed Pricing Scheme2
       

    Citi Ready Credit
    - purchases and balance transfer offer

    • Purchase Cover Insurance2
    • Extended Warranty Insurance2
    • Guaranteed Pricing Scheme2
       
  • Security

    Citi Personal Loan Plus

    Unsecured

    Citi Ready Credit
    - long balance transfer

    Unsecured

    Citi Ready Credit
    - purchases and balance transfer offer

    Unsecured

  • Ability to redraw available funds

    Citi Personal Loan Plus


    •  

    Citi Ready Credit
    - long balance transfer


    •  

    Citi Ready Credit
    - purchases and balance transfer offer


    •  
  • Repayment frequency

    Citi Personal Loan Plus

    Monthly

    Citi Ready Credit
    - long balance transfer

    Monthly

    Citi Ready Credit
    - purchases and balance transfer offer

    Monthly

  • Minimum repayments

    Citi Personal Loan Plus

    Equal monthly instalments3

    Citi Ready Credit
    - long balance transfer

    Choose your own repayment each month - with the minimum being the greater of $30; or the sum of interest charges for the Statement period, plus 1% of your balance.

    Citi Ready Credit
    - purchases and balance transfer offer

    Choose your own repayment each month - with the minimum being the greater of $30; or the sum of interest charges for the Statement period, plus 1% of your balance.

  • Citibank Dining Program

    Citi Personal Loan Plus


    •  

    Citi Ready Credit
    - long balance transfer


    •  

    Citi Ready Credit
    - purchases and balance transfer offer


    •  

Eligibility

  • Minimum income

    Citi Personal Loan Plus

    $40,000

    Citi Ready Credit
    - long balance transfer

    $40,000

    Citi Ready Credit
    - purchases and balance transfer offer

    $40,000

  • Minimum age

    Citi Personal Loan Plus

    18

    Citi Ready Credit
    - long balance transfer

    18

    Citi Ready Credit
    - purchases and balance transfer offer

    18

  • Approval criteria

    Citi Personal Loan Plus

    • Have a good credit rating
    • Be a permanent Australian resident
       

    Citi Ready Credit
    - long balance transfer

    • Have a good credit rating
    • Be a permanent Australian resident
       

    Citi Ready Credit
    - purchases and balance transfer offer

    • Have a good credit rating
    • Be a permanent Australian resident
       

Fees and charges

  • Annual fee

    Citi Personal Loan Plus

    $0

    Citi Ready Credit
    - long balance transfer

    $0

    Citi Ready Credit
    - purchases and balance transfer offer

    $0

  • Establishment fee

    Citi Personal Loan Plus

    $1994

    Citi Ready Credit
    - long balance transfer

    $1997

    Citi Ready Credit
    - purchases and balance transfer offer

    $1499

  • Monthly fee

    Citi Personal Loan Plus

    $05

    Citi Ready Credit
    - long balance transfer

    $0

    Citi Ready Credit
    - purchases and balance transfer offer

    $0

  • Redraw fee

    Citi Personal Loan Plus

    $0

    Citi Ready Credit
    - long balance transfer

    $0

    Citi Ready Credit
    - purchases and balance transfer offer

    $0

  • Early termination fee

    Citi Personal Loan Plus

    $0

    Citi Ready Credit
    - long balance transfer

    $0

    Citi Ready Credit
    - purchases and balance transfer offer

    $0

Citi Personal Loan Plus
 

Citi Ready Credit
Long balance transfer

Citi Ready Credit
Low introductory rate

Important information

Fees and charges apply. Terms and conditions apply and are available upon request. New applications only and not available in conjunction with any other offer.

Citi Personal Loan Plus

The advertised Citi Personal Loan Plus rate is for new loans only and is subject to change at any time.

Your instalment loan will appear as a 'Fixed Payment Option' on your statement. Payment of the Monthly Instalment enables you to pay off the loan within your chosen term of 3, 4 or 5 years.

a) Any use of the reusable credit facility will require monthly repayments in addition to the Monthly Instalment. These amounts will be included in the Minimum Payment Due amount on your statement.

b) Monthly repayments will first be allocated towards payment of your instalment loan(s). Any additional payments will be applied to any balances that are not part of your instalment loan(s).

c) If you fail to pay your Monthly Instalment, the Bank reserves the right to cancel your instalment loan.

d) For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.

This information is current as at 31 March 2021.

1. Comparison rate is based on a 5 year unsecured variable rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2. Complimentary insurance covers are subject to eligibility requirements: Terms, conditions, limits and exclusions apply. Refer to the Complimentary Insurance Description of Insurance Cover for further information. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

3. Your instalment loan will appear as a 'Fixed Payment Option' on your statement. Payment of the Monthly Instalment enables you to pay off the loan within your chosen term of 3, 4 or 5 years.

a) Any use of the reusable credit facility will require monthly repayments in addition to the Monthly Instalment. These amounts will be included in the Minimum Payment Due amount on your statement.
b) Monthly repayments will first be allocated towards payment of your instalment loan(s). Any additional payments will be applied to any balances that are not part of your instalment loan(s).
c) If you fail to pay your Monthly Instalment, the Bank reserves the right to cancel your instalment loan.
d) For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.

4. An establishment fee of $199 will be debited to your Account on the date we issue you a statement of Account for the Statement Period in which you first use or activate your Account. The establishment fee is billed in addition to the amount borrowed. Other service fees and charges including late payment fee and dishonour fee may apply.

5. No Monthly Account Service Fee applies to applications submitted from 31 March 2021 to 30 September 2021. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice. Other service fees and charges including late payment fee and dishonour fee may apply.

Citi Ready Credit

6. The introductory interest rate of 3.99% p.a. will apply to the initial balance transferred with this offer within 90 days from account approval for a promotional period of 3 years. The 3 year promotional period commences once the initial balance transfer is processed. If you request a balance transfer with your application, this will be processed when you activate your account. If you do not request a balance transfer with your application, you will need to call us within 90 days 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 APR, currently 20.49%. Balance transfers are repaid before cash advances, retail purchases and the establishment fee, which attracts interest at the standard variable APR. At the end of the promotional period, the interest rate on any outstanding balance transfer will revert to the standard variable APR. Excludes balances transferred from other Citi unsecured credit products. This offer is limited to the first 500 accounts or until 30 September 2021, whichever occurs first. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

7. An establishment fee of $199 will be debited to your Account on the date we issue you a statement of Account for the Statement Period in which you first use or activate your Account. The establishment fee is billed in addition to the amount borrowed. Other service fees and charges including late payment fee and dishonour fee may apply.

8. The introductory interest rate of 0% p.a. will apply to the initial balance transferred with this offer within 90 days from account approval for a promotional period of 6 months. The 6 month promotional period commences once the initial balance transfer is processed. If you request a balance transfer with your application, this will be processed when you activate your account. If you do not request a balance transfer with your application, you will need to call us within 90 days 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 APR, currently 20.49% p.a. This offer excludes balances transferred from other Citi unsecured credit products. The introductory rate of 0% p.a. will also apply to the retail purchase balance, for 6 months from account approval. At the end of the introductory period, the interest rate on any outstanding balance transfer and the retail purchase balance will revert to the standard variable APR.  Balance transfers and retail purchases at the introductory interest rate are repaid before cash advances. Offer ends 30 September 2021. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

9. A reduced establishment fee of $149 applies to applications submitted from 31 March 2021 to 30 September 2021 and will be debited to your Account on the date we issue you a statement of Account for the Statement Period in which you first use or activate your Account. The establishment fee is billed in addition to the amount borrowed. Other service fees and charges including late payment fee and dishonour fee may apply.


© 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

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