Your browser does not support JavaScript! Pls enable JavaScript and try again.
Ready Credit 0% for 6 months

Grab extra funds for whatever, whenever.

Apply now  Or call us on 1300 790 926

Call to Apply

Interest free purchases for 6 months with Citi Ready Credit.1

Money that’s always at hand
Citi Ready Credit is a line of credit you can access when you need to, without reapplying. You'll only pay interest on what you use, not your credit limit.

Pay no interest for 6 months on purchases
Get your projects started with 0% p.a. on anything you buy for the first 6 months.1 After that, it reverts to the standard variable rate.

Flexible repayments
Choose your own repayments each month, over the minimum payment due.

No ongoing or early repayment fees
There’s a one-off Establishment fee of $149, but after that, there are no ongoing or early repayment fees.2

Pay it off with a Citi instalment plan
After your introductory period, you can convert eligible purchases or an eligible statement balance into a Citi instalment plan.3 It’s easy to setup online or through the Citi Mobile® App.

Fast application process
Apply in as little as 10 minutes. Plus, upload your documents (e.g. drivers licence, Medicare card and proof of income) with your application for a faster review.

Are you ready?

0% p.a. for 6 months on purchases

and the initial balance transfer, reverting to the standard variable rate1

Apply now

Your money, your way


With your Citi Lending Debit Mastercard®4 you can buy almost anything, even the kitchen sink


Purchase items with your phone through Apple Pay®5 or Samsung Pay6


After your introductory period, convert eligible purchases or an eligible statement balance into a Citi instalment plan3

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

Complimentary Insurances

  • Purchase Cover Insurance

    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 Mastercard debit card if you make a claim within 21 days.7

  • Extended Warranty Insurance

    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 Mastercard debit card in the event that the product breaks.7

  • Guaranteed Pricing Scheme

    Purchase a product using your Mastercard debit card, 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).7

Other things to know


Introductory rate

0% p.a. for 6 months on purchases and the initial balance transfer.1

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 Plan.3

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 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.

Learn more

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.

Learn more


  • How do I get started?

    1. Apply and get approved.
    2. Within 7 days of approval you will receive your Mastercard debit card in the mail which you can add to your physical wallet, and Apple Pay®5 or Samsung Pay6 wallets.
    3. Use your Mastercard debit card to make a purchase online or in-store anywhere Mastercard is accepted.
    4.Want to use the balance transfer? Add your balance transfer details in the application form or call up within 90 days of your account approval to provide your balance transfer details and enjoy 0% p.a. for 6 months from the day your balance transfer is drawn.
    5.Need cash? You can use your Mastercard debit card at any ATM or access funds through the Citi Mobile App® at any time (standard APR applies unless another offer is provided).

  • What is Citi Ready Credit and how does it work?

    Citi Ready Credit is a line of credit that is ready for you whenever you need it. You can make purchases, withdraw cash, request a balance transfer or transfer money to any other Australian bank account. After your introductory period, you can also convert eligible purchases or an eligible statement balance into a Citi instalment plan.3

    When you get a Citi Ready Credit account we send you a Mastercard debit card that you can load into your Apple Pay®5 or Samsung Pay6 wallet or use your debit card to buy the things you need.

  • How do my statements work?

    You are sent a statement each month that helps you stay on top of what you have used, or you can log into the Citi Mobile App® to get easy updates and pay your statement balance or minimum due, whenever you want without incurring any payment fees. You have 25 days from the statement date to make the minimum payment, otherwise a Late Fee will apply.

    Your minimum repayment is dependent on how much of your limit you have used. The minimum repayments are calculated as the greater of $30 or any instalment due under a fixed payment option plus any fees and interest charged plus 1% of the outstanding balance (excluding the fixed payment options). When you have no outstanding balance there is no minimum repayment required. You can pay more than the minimum repayment without any penalties or fees.

  • What is a line of credit?

    Citi Ready Credit is an approved credit limit that you have access to for as long as you keep the account open. You can access the available credit on an ongoing basis without having to reapply for credit. You can repay the funds at any time as long as you meet the minimum monthly repayment.

  • What can I use Citi Ready Credit for?

    Citi Ready Credit is ideally suited to those that have regular large cash outlays that they would like to smooth out over time. For example, you can use it for home renovations, a milestone celebration, unexpected expenses such as a vet bill, school fees or general cash flow management. Citi Ready Credit is not suitable for debt consolidation, investment purposes or living expenses.

  • What is an instalment plan? 

    An instalment plan allows you to make your repayments in monthly instalments at a fixed rate over a set term.3 There are three types of instalment plan options available with Citi:

    1. Citi Quick Cash: Request cash from $500 up to 90% of your available credit limit and convert into monthly instalments
    2. Citi Paylite: Convert eligible retail purchases and cash advances from $300 up to 90% of your credit limit that are yet to appear on your statement
    3. Citi FlexiBill: Convert retail purchases and cash advances from $500 or more included in the closing balance of your last statement.

  • What’s the difference between a line of credit and a personal loan?

    Generally speaking, a line of credit is an ongoing credit facility with no set end date and flexible monthly repayments over the monthly minimum amount due. It is often used to help with cash flow management to dip in and out of.

    A personal loan tends to have fixed monthly repayments and a set term with which to pay off the amount you have borrowed.

  • Can I withdraw cash from a line of credit?

    You can withdraw cash from Citi Ready Credit at any ATM in Australia and it’ll be charged at the standard variable rate. Alternatively you can buy things on your Mastercard debit card online or in-store. Check out the insurance section above as many of your purchases may be covered by complimentary insurance.

  • Can I pay off my balance early?

    There are no additional charges for repaying your balances before the end of your introductory term. You only ever pay for Citi Ready Credit while you are using it and will not be penalised for staying on top of your finances and repaying early.

  • Can I apply if I’m an existing Citi customer?

    Yes, you can have more than one account at any time. If you already have another Citi unsecured credit product you must hold this account in good working order for 6 months before applying for a lending product such as a Citi Ready Credit. Any introductory offers are not transferrable between accounts.

  • What documents do I need for a loan application?

    Here's a quick checklist of the documents you'll need to apply:

    • Address proof
    • Income proof
    • Proof of employment

    Top tip: upload these documents with your application for a faster review.

Calculators and tools

Repayments calculator

Use our simple loan repayment calculator to find out what your loan repayments will be

Calculate repayments

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

Here’s what you’ll need to apply:


10 minutes


2 forms of identification
e.g. drivers license, passport, etc.


1 proof of income document
e.g. most recent payslip


We’ll need you to:


Earn more than $40,000 a year


Be 18 years or older


Be a permanent Australian

Important information

Refer to the full Terms and Conditions related to this product here

Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $40,000 per year and your credit rating.

Fees, charges and terms and conditions apply. Credit criteria apply. New applications only. Cannot be used in conjunction with any other offers.

This information is accurate as at 4 May 2021.

  1. The introductory interest rate of 0% p.a. will apply to the initial balance transferred with this offer within 90 days from account approval for a promotional period of 6 months. The 6 month 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 90 days 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% p.a. This offer excludes balances transferred from other Citi unsecured credit products. The introductory rate of 0% p.a. will also apply to the retail purchase balance, for 6 months from account approval. At the end of the introductory period, the interest rate on any outstanding balance transfer and the retail purchase balance will revert to the standard variable APR. Balance transfers and retail purchases at the introductory interest rate are repaid before cash advances. Offer ends 30 September 2021. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  2. A reduced establishment fee of $149 applies to applications submitted from 31 March 2021 to 30 September 2021 and 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. Other service fees and charges including late payment fee and dishonour fee may apply.
  3. Citi Instalment Plan is defined in the Unsecured Credit Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. For the full terms and conditions that apply to Fixed Payment Option, please refer to the Unsecured Credit Terms and Conditions and Other Important Information.
  4. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
  5. Apple Pay works with iPhone 6 and later in stores, in selected apps and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
  6. Samsung Pay: Loyalty cards subject to merchant terms and conditions. For optimal results for barcode-based cards, add to Samsung Pay by scanning the barcode; manual input may require showing the card number or an alternate form of identification to the cashier. Only Gear devices bought in Australia will support Samsung Pay on Gear in Australia. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with internet access and Samsung Pay installed. Samsung Pay for Gear only available on NFC terminals with Gear S2 and NFC and MST terminals with Gear S3.
  7. 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.


© 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

Show more