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Rates, Fees & Charges

Previous Products
Diners Club Credit Line, Citi Ready Credit Staff
 
Introductory Rate
6.9% p.a. for 3 years on the initial balance that you request to be transferred to your bank account within 3 months of approval1 
 
 
Annual Percentage Rate (APR)
22.49% p.a.
 
 
Fee
Amount
When is the fee charged
How can you avoid the fee
Establishment Fee
$2492
Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.
N/A
Annual Fee
$0
N/A
N/A
Late Payment Fee
$15
Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.
Always make the Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Paper Statement Fee
$2 per month
Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.
Switch to electronic Statements. Click here for more details.
International Transaction Fee
2.5% of the converted AUD amount
Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).
This fee only applies to transactions in foreign countries or made in foreign currency.

Citi Personal Loan Plus is closed to new accounts

Introductory Rate

Refer to your statement

 
 

Fee

Amount

When is the fee charged

How can you avoid the fee

Establishment Fee

$1994

 

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.4

N/A

Monthly Account Service Fee

$10.

 

N/A

Late Payment Fee
 

$15

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

Always make the Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Paper Statement Fee

$2 per month

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

Switch to electronic Statements. Click here for more details.

International Transaction Fee

2.5% of the converted AUD amount

Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).

This fee only applies to transactions in foreign countries or made in foreign currency.

Business Credit is closed to new accounts

Annual Percentage Rate (APR)

14.59% p.a.

 
 

Fee

Amount

When is the fee charged

How can you avoid the fee

Establishment Fee

$149

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.

N/A

Annual Fee

$120

Debited on first use including activation of product and then on each anniversary of the date of product approval.

N/A

Late Payment Fee
Effective 1 June 2023

$15

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Paper Statement Fee

$2 per month

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

Switch to electronic Statements. Click here for more details.

International Transaction Fee

2.5% of the converted AUD amount

Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).

This fee only applies to transactions in foreign countries or made in foreign currency.

Personal Credit is closed to new accounts

Annual Percentage Rate (APR)

16.99% p.a.

 
 

Fee

Amount

When is the fee charged

How can you avoid the fee

Establishment Fee

$69

Debited to your Account on the issue date of your first statement of Account for the Statement Period in which you first use or activate your Account.

N/A

Annual Fee

$99

Debited on first use including activation of product and then on each anniversary of the date of product approval.

N/A

Late Payment Fee

Effective 1 June 2023

$15

Each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.

Paper Statement Fee

$2 per month

Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances.

Switch to electronic Statements. Click here for more details.

International Transaction Fee

2.5% of the converted AUD amount

Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by us to the scheme (where applicable).

This fee only applies to transactions in foreign countries or made in foreign currency.

Important information

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit 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”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it.

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

This information is current as of 1 November 2024.

Citi Ready Credit

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

1. Introductory rate: Offer commenced 1 November 2024. The introductory interest rate of 6.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 6.9% p.a. will apply for a promotional period of 3 years. The 3-year promotional period will commence once the initial balance transfer is processed. This promotion will be treated as a balance transfer in accordance with the Unsecured Credit Terms and Conditions and Other Important Information. Any balance transfer requests submitted with your application will be processed when you activate your account. If you do not submit a balance transfer request with your application, you will need to call us to submit a balance transfer request within 3 months 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 Annual Percentage Rate (APR), currently 22.49% p.a. During the introductory period, repayments are allocated to balance transfers before retail purchases and cash advances, which attract interest at the standard variable APR of 22.49% p.a. At the end of the promotional period, the APR on any outstanding balance transferred with this offer will revert to the standard variable APR. This offer excludes balances transferred from other Citi branded unsecured credit products. We may vary or end this offer at any time.

2. Establishment fee: An Establishment fee of $249 will be debited to your Citi Ready Credit account on the date we issue the first statement of account after you activate your account. The Establishment fee is billed in addition to the amount borrowed. We may vary or end this offer at any time.

Citi Personal Loan Plus

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

3. 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. 

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