
Interest free purchases for 6 months with Citi Ready Credit.1
Are you ready?
0% p.a. for 6 months on purchases
and the initial balance transfer, reverting to the standard variable rate1
Your money, your way
Got any questions about Citi Ready Credit? Give us a call on 1300 790 926 to talk it through.
Complimentary Insurances
-
Purchase Cover Insurance
-
Extended Warranty Insurance
-
Guaranteed Pricing Scheme
Other things to know
Introductory rate
0% p.a. for 6 months on purchases and the initial balance transfer1
Standard variable rate (APR)
20.49% p.a. or pay off eligible purchases at a fixed interest rate over a set term with a Citi Instalment Plan3
Establishment fee
$1492 plus no ongoing account keeping fees. Other fees and charges may apply. See Citi lending fees and charges page.
Credit limit
Between $5,000 and $75,000
Statements
Statements sent monthly so you can keep on top of your finances. Plus, never miss a payment by setting up recurring direct debit
Not quite what you’re looking for?
Prefer a balance transfer offer?
Consider Citi Ready Credit with an introductory rate of 3.99% p.a. for 3 years on the initial balance transferred. Reverts to standard variable rate. Fees, charges, T&Cs apply.
Prefer fixed repayments and a personalised rate?
With Citi Personal Loan Plus you'll enjoy 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.
Calculators and tools
Repayments calculator
Use our simple loan repayment calculator to find out what your loan repayments will be
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
FAQs
FAQs
-
How do I get started?
-
What is Citi Ready Credit and how does it work?
-
How do my statements work?
-
What is a line of credit?
-
What can I use Citi Ready Credit for?
-
What is an instalment plan?
-
What’s the difference between a line of credit and a personal loan?
-
Can I withdraw cash from a line of credit?
-
Can I pay off my balance early?
-
Can I apply if I’m an existing Citi customer?