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Looking to buy your next car?
Enjoy 8.9% p.a. for 5 years on the initial balance
that you request to be transferred to your bank account1
Apply now Or call us on 1300 790 926
Looking to buy your next car?
Enjoy 8.9% p.a. for 5 years on the initial balance
that you request to be transferred to your bank account1
Apply now Or call us on 1300 790 926
Save $100 with a reduced establishment fee of just $99, normally $1992
5 years
on the initial balance that you request to be transferred within 3 months of approval1
Money ready to use at a fixed rate for a very long time
Citi Ready Credit is a line of credit that you can dip into whenever you need, without reapplying. Enjoy an introductory fixed rate of 8.9% p.a. for 5 years on the initial balance you request to be transferred to your bank account.1
Apply online in as little as 10 minutes, and spend on a big purchase like a second-hand car, a family holiday or a home makeover. You can also use it to pay off an existing balance somewhere else. Whatever your needs may be, Citi Ready Credit ensures you have the funds you need, when you need.
A standard variable rate of 20.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.
What can I use Citi Ready Credit for?
Follow these 3 steps to activate your introductory offer 1
Once the money's in your bank account, whenever you find that dream car or that big family holiday, you're ready to go for it
Repayment calculator
To give you an idea of your estimated monthly repayments on the initial amount transferred to your account, enter the amount you'd like to borrow.
8.9% p.a.
for 5 years on the initial balance transferred to your bank account1
I want to borrow
Your estimated repayments will be
*Your monthly repayments are flexible. This is the monthly repayment you would need to repay the initial balance transferred in full at a rate of 8.9% p.a. over 5 years. It does not take into account the establishment fee, ongoing purchases and cash advances.
The minimum payment due on your statement will not be the same as the monthly repayment shown here. You can pay more than the minimum payment due with no additional repayment fee.
A standard variable rate of 20.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.
Here's what you'll
need to apply for Citi Ready Credit
need to apply for Citi Ready Credit
Around 10 minutes to complete the application
Be 18 years or older and a permanent Australian resident
Upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review
Rates and Fees
There may be circumstances in which you have to pay other fees. A full list of current fees applicable to Citi Ready Credit can be viewed at our Personal Lending Rates, Fees & Charges page.

Not quite what you're looking for?
Consider Citi Personal Loan Plus with a variable rate of 10.90% p.a. and fixed monthly repayments for 3, 4 or 5 years. (Comparison rate 11.19% p.a.) Comparison rate warning. Fees, charges and T&Cs apply.
Citi Ready Credit FAQs
Citi Ready Credit FAQs
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What is a line of credit?
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What might a line of credit be suitable for?
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What is a balance transfer and how could it help me to save on interest?
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How do I make my repayments?
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How can I make a balance transfer work for me?
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Am I ok to apply if I’m already a customer?
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What documents do I need for a loan application?
Calculators & Tools
Borrowing Power Calculator
Estimate what you can borrow with our helpful borrowing power calculator
Compare Loans
Compare our Personal Lending products and find the one that best suits your needs
Got any questions about Citi Ready Credit? Give us a call on 1300 790 926 to talk it through.
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 financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (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.
Refer to the full Terms and Conditions related to this product here. To obtain a copy of the Target Market Determination (TMD) related to this product click here.
Fees, charges and credit criteria apply. Introductory offer is for new Ready Credit applications only.
This information is accurate as at 1 November 2023.
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Introductory rate: The introductory interest rate of 8.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 8.9% p.a will apply for a promotional period of 5 years. The 5-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 20.49% 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 20.49% 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. Offer ends 30 April 2024. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice.
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Reduced establishment fee: An Establishment Fee of $99 will be debited to your 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. This reduced Establishment Fee applies to applications submitted from 1 November 2023 to 30 April 2024 only. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice.