Citi Lending Offers

1. Balance Transfer: The minimum amount that can be transferred is $500. Transferred balances are repaid before cash advances and purchases. If you have an existing transferred balance on your account, the balance with the lowest interest rate will be repaid first. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Lending account standard variable Annual Percentage Rate, as set out on your statement. We may limit balance transfers to a percentage of your Credit Limit. Balance Transfer offers are not available for Citi Personal Loan Plus accounts.

2. Click for cash: Fixed Payment Option, instalment loan offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option amount uses part of your existing credit limit. As you pay off your Fixed Payment Option amount, the amounts you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage rate applicable to your account. If you fail to pay the Monthly Instalment by the Payment Due Date, this instalment amount will be charged at the standard Annual Percentage Rate. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage rate. For the full terms and conditions of your Fixed Payment Option, please refer to the Unsecured Revolving Credit Terms and Conditions.

If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate.

3. Buy. Convert. Save. Fixed Payment Option, instalment loan offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option amount uses part of your existing credit limit. As you pay off your Fixed Payment Option amount, the amounts you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage rate applicable to your account. If you fail to pay the Monthly Instalment by the Payment Due Date, this instalment amount will be charged at the standard Annual Percentage Rate. We also reserve the right to cancel your Fixed Payment Option. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage rate. For the full terms and conditions of your Fixed Payment Option, please refer to the Unsecured Revolving Credit Terms and Conditions.

If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate.