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Citi Ready Credit - Flybuys offer

2.9% p.a. for 3 years on the initial balance transferred1 plus, enjoy 100,000 Flybuys bonus points2

Apply now  Or call us on 1300 790 926

Call to Apply

2.9% p.a. for 3 years
on the initial balance transferred1
Enjoy 100,000 Flybuys bonus points
when you request a balance transfer of $500 or more2

A handy pool of funds ready for you to dip into.

Earn ponits2.9% p.a. for 3 years on the initial balance transferred.1 Transfer up to 100% of the credit limit to your bank account
Earn ponitsChoose your own repayments each month, over the minimum payment due
Earn ponitsCredit limit between $5,000 and $75,000
Earn ponitsEnjoy 100,000 Flybuys bonus points when you request a balance transfer of $500 or more2
Earn ponitsOnly pay interest on the amount you have used, not on your whole credit limit
Earn ponitsNo monthly or annual fees. Just a one-off establishment fee of $1993

Citi Ready Credit is a line of credit that gives you access to extra money whenever you need, without needing to reapply. Enjoy an introductory rate of 2.9% p.a. for 3 years on the initial balance transferred.1 Whether it’s for a big purchase, a big event or paying off a balance elsewhere. You can request the transfer of up to 100% of your funds to your bank account.

Plus, you’ll enjoy 100,000 Flybuys bonus points when you request a balance transfer of $500 or more.2 That’s worth $500 Flybuys dollars to redeem in-store as money off shop at participating Flybuys retail partners to splurge on tech or home furnishings.4

Citi Ready Credit ensures you have the funds you need, when you need. Apply online in as little as 10 minutes. A standard variable rate of 20.49% p.a. applies to the balance after 3 years, ongoing purchases and cash advances.

What can I use it for?

Citi Ready Credit is very flexible, here are just a few examples:

Pay off a balance elsewhere

Renovate the kitchen or build yourself a deck

Buy that special someone an engagement ring

Cover unexpected costs, such as car repairs or school fees

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.

2.9% p.a.

for 3 years on the initial balance transferred1

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 2.9% p.a. over 3 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. will apply to the balance after 3 years and any ongoing spend and cash advances.

Here's what you'll
need to apply for Citi Ready Credit

Around 10 minutes to complete the application

Earn more than $40,000 a year

Be 18 years or older and a permanent Australian resident

Top tip: Upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review.

Rates and Fees


Introductory rate
2.9% p.a. for 3 years on the initial balance transferred1

Standard Variable Rate (APR)
20.49% p.a.

Establishment fee

Monthly service fee

Cash advance fee

Early pay out fee

Additional repayments fee

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to Ready Credit can be viewed at the Citi Lending fees and charges page.



Complimentary Purchase Cover Insurance5

Receive 90 days complimentary insurance up to specified amounts against loss, theft or accidental damage on covered products purchased anywhere in the world using your Citi Lending Debit Mastercard®6 if you make a claim within 21 days.

Complimentary Extended Warranty Insurance5

Receive Extended Warranty Insurance for eligible purchases up to a maximum of 12 months from the manufacturer's warranty (for the same period as the original written warranty), for the cost of repairing or replacing the purchase made on your Citi Lending Debit Mastercard in the event that the product breaks.

Complimentary Guaranteed Pricing Scheme5

Purchase a product using your Citi Lending Debit Mastercard, and get the best price if, within 60 days of the purchase, it’s available for a lower price from a store within a 25 kilometre radius from where the covered product was purchased. If the price difference is greater than AU$75, we will refund the price difference up to $500. (Internet purchases are excluded).

Read more about our insurance products.
Citi Personal Loan Plus


Not quite what you're looking for?

Consider Citi Personal Loan Plus with a low variable rate of 8.90% p.a. and fixed monthly repayments for 3, 4 or 5 years. Comparison rate 9.18% p.a. Comparison rate warning. Fees and charges, T&Cs apply.

Learn more >

Citi Ready Credit FAQs

Calculators & Tools

Borrowing Power Calculator

Estimate what you can borrow with our helpful borrowing power calculator

How much can I borrow

Compare Loans

Compare our Personal Lending products and find the one that best suits your needs

Compare Loans

Got any questions about Citi Ready Credit? Give us a call on 1300 790 926 to talk it through.

Important information

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 21 March 2022.

  1. The introductory interest rate of 2.9% p.a. applies to the initial balance transfer of over $500 with this offer within 3 months from account approval for a promotional period of 3 years. The 3 year promotional period commences once the initial balance transfer is processed. If you request a balance transfer with your application, this will be processed when you activate your account. If you do not request a balance transfer with your application, you will need to call us 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 APR, currently 20.49%. Balance transfers are repaid before cash advances, retail purchases and the establishment fee, which attracts interest at the standard variable APR. At the end of the promotional period, the interest rate on any outstanding balance transfer will revert to the standard variable APR. Excludes balances transferred from other Citi unsecured credit products. Offer ends 31 August 2022. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  2. To be eligible to receive 100,000 Flybuys points, you must apply for this offer for a Citi Ready Credit account by 31 August 2022 and request a balance transfer of $500 or more within 3 months from account approval. Citi will request your Flybuys membership number from you via email within 6 weeks from the date your balance transfer is debited to your account. 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. The Flybuys points will be credited to your Flybuys account within 8 weeks from the date Citi receives your Flybuys membership number provided your Citi Ready Credit account is open and in good standing and your balance transfer has not been repaid in full. 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 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 August 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  3. An establishment fee of $199 will be debited to your Citi 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. Other service fees and charges including late payment fee and dishonour fee may apply.
  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. 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 an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. 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. Citi does not guarantee this insurance.
  6. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.


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