Travel & rewards credit cards
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Citi Ready Credit
Help with loansImportant information
The Citi consumer business transferred ownership to National Australia Bank (NAB) on 1 June 2022.
On 24 November 2025, Citi branded Credit Cards and Citi Ready Credit accounts are moving to a new system and a new MyCard brand. Visit citibank.com.au/nab for more information.
Tap into smarter spending with your Ready Credit account
Book your next big holiday. Pick up a second hand car. Get a home makeover. If you have a big purchase in mind, the reusable line of credit on your
Ready Credit account can help make it happen.
How you can make the most of your Ready Credit account
What is a line of credit?
A credit facility that allows you access to funds within your available credit limit, as needed. A line of credit can be helpful for large purchases and expenses or an unexpected event, as it means you can access your available funds sooner without needing to reapply.
Benefits of your line of credit
Having an accessible line of credit means that once you have an available balance you can draw down on your account as you need, without needing to reapply for credit.
How to pay with your Ready Credit account
Here are 3 ways to tap into your Ready Credit account for simpler payments:
BUY
and make purchases with your Ready Credit account
instore or online
PAY
and transfer cash via Electronic Funds
Transfer(EFT), 'Pay anyone' or BPAY
Please note from 25 August 2025, the debit card linked to your Ready Credit account changed to a credit card.
Please note from 25 August 2025, the debit card linked to your Ready Credit account changed to a credit card.
We’re here to support you with your financial needs. Should they change, you can easily manage your credit limit on your Ready Credit account by requesting a decrease by contacting us via citibank.com.au/contactus. If you would like an increase to your credit limit, you must wait 6 months from account activation and start using your account before you can apply for a credit limit increase. Your application will be subject to meeting the eligibility criteria.
Balance Transfers on your Ready Credit account
Balance Transfers provide you with convenient access to funds.
Transfer balances from your non Citi branded credit cards or a personal loan to your Ready Credit account at a promotional rate.
$500 minimum Balance Transfer.
Request a transfer of funds from your Ready Credit account to a bank account in your name via Electronic Funds Transfer(EFT). The funds will be available within 3 business days from when the balance transfer is processed.
$500 minimum Balance Transfer.
To see if you’re eligible for a Balance Transfer offer on your existing Ready Credit account, please visit My Offers by signing on to Citi Online, clicking on ‘Offers’ and then select ‘Lending’. Alternatively, you can call us on 13 24 84, to see if you are eligible. To find out more about Balance Transfers, please click Learn more.
To see if you’re eligible for a Balance Transfer offer on your existing Ready Credit account, please visit My Offers by signing on to Citi Online, clicking on ‘Offers’ and then select ‘Lending’. Alternatively, you can call us on 13 24 84, to see if you are eligible. To find out more about Balance Transfers, please click Learn more.
For more information on how to manage your account, please click Learn more below.