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Features and Benefits

Features and Benefits

Citi Lending customers enjoy a range of features and benefits again and again.

Click on your product below to find out more.

Citi Personal Loan Plus

Your Citi Personal Loan is much more than a standard loan you just pay off. Your Citi Personal Loan has unique features and benefits to access again and again.

Learn about your reusable credit facility and how it can help with your future financial needs. Find out where to find personalised offers that can help you save on interest and much more.

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Ready Credit

Citi Ready Credit is a line of credit account giving you access to funds you can reuse as you need.

You also have access to some unique features that can help you get the most from your account and life's possibilities.

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Personal Credit

Personal Credit is a reusable line of credit, allowing you to make purchases in-store and online as well as withdraw cash easily all at the same interest rate.

Your Personal Credit account gives you convenient access to your funds anytime, anywhere using your Lending Debit card.

Learn More

Shared Features and Benefits

Citi Online and Citi Mobile® App

Register for Citi Online and the Citi Mobile® App to have 24 hour access to your account, personal preferences and personalised offers from any where in the world.

Download the Citi Mobile App® to manage your account securely from your smartphone.

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Select your own PIN

All of our lending accounts come with a Lending Debit Mastercard® which provides convenient access to your funds when you need them.

Choosing a PIN you will remember is one of our features to help make life a little easier for you. Select your own PIN via Citi Online or the Citi Mobile® App.

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My Offers

My Offers is our online portal where you can take advantage of personalised offers available for you with your Lending account.

To view offers available to you, sign on to Citi Online, click on 'Offers' and then select 'Lending Offers'.

Sign on to Citi Online

Complimentary Insurance

Receive complimentary insurance for eligible goods purchased 
using your lending account1.

From Purchase Insurance to Extended Warranty Insurance we have you covered.

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Samsung Pay

Samsung Pay is a simple and secure way to pay with your compatible Samsung device. Simply register your Citi Lending Debit Mastercard® with Samsung Pay to make in-store purchases.

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Set up a Repayment Plan

When you set up Easi-Pay on your account, your minimum monthly repayments will be automatically paid by the due day every time - letting you spend more time on things that matter.

Set up Easi-Pay

Additional Cardholder

Request an additional Lending Debit card for your account allowing a loved one to enjoy the benefits you do from your lending account.

To apply for an additional cardholder, sign on to Citi Online, click on 'Services' and select 'Card Services', then click 'Additional Cardholder' and follow the prompts.

Sign on to Citi Online

Direct Debits

All Citi Lending accounts let you set up direct debits to pay your regular bills. 

Simply provide your Lending account BSB and Account number to the service providers of your choice and advise them that your preferred method of payment is a direct debit from your Lending account.

Refer to your statement for your BSB and Account number.

Citi Lending Offers

Citi Lending accounts have access to a range of special offers.

View Current Offers


Find information on lending questions on our frequently asked questions page.

View lending FAQs

Important Information
  1. 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 a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi unsecured lending 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"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. 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. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.