The advertised Citi Personal Loan Plus rate is for new loans only and is subject to change at any time. Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply.
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 15 July 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. To be eligible to receive 110,000 Flybuys points, you must apply for a Citi Personal Loan Plus account by 31 October 2021 and activate your account within 30 days from approval. Citi will request your Flybuys membership number from you via email within 4 weeks from the date you activate your account. The Flybuys points will be credited to your Flybuys account within 3 months from the date Citi receives your Flybuys membership number. Your Citi Personal Loan Plus account must remain open and in good standing for the Flybuys points to be awarded. If you do not provide Citi with your Flybuys membership number within 30 days from Citi first requesting it, the Flybuys points will be forfeited. Membership of Flybuys is your responsibility. Flybuys points are administered by Loyalty Pacific Pty Ltd and subject to the Flybuys member Terms and Conditions, available at flybuys.com.au. Loyalty Pacific Pty Ltd (ABN 82 057 931 334) (trading as Flybuys) receives payment from Citi for the Flybuys points that its members earn in connection with this offer. This offer is valid until 31 October 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
3. Payment of the monthly instalment enables you to pay off your initial loan within your chosen loan term. You can choose to reuse credit up to your approved credit limit. Any use of the reusable credit facility will require additional monthly repayments on your loan. There will be no end date for your reusable credit facility. For the full terms and conditions of your instalment loan, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.
4. Flybuys Dollars can only be redeemed in increments of $10. Flybuys Dollars may be used in-store at Coles Supermarkets, Liquorland, First Choice Liquor, First Choice Liquor Market, Coles Express, Kmart, Target and mycar only. Flybuys points can be converted to Flybuys dollars in multiples of 2,000 points only. 2,000 points equates to $10 Flybuys dollars. Flybuys dollars cannot be used for online purchases. Flybuys points and Flybuys dollars have no cash or monetary value. Click here for the Flybuys dollars Terms and Conditions.
5. 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.
6. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
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