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Citi Ready Credit

Citi Ready Credit

Regain control of your Finances with an alternative to a personal loan.

Apply now  Or call us on 1300 790 926

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5.9% p.a

3 Years

on initial balances transferred1

Why choose Citi Ready Credit?

A line of credit between $5,000 and $75,000
The ability to choose your own monthly repayments above the minimum required
No monthly or annual fees. Just a one-off establishment fee of $1992
Ongoing reusable credit facility at a variable rate of 20.49% p.a. without needing to reapply

Having Citi Ready Credit on hand means you're always ready to take on life as your line of credit will be available to you whenever the opportunity arises. For added flexibility you can choose to repay what you like each month, over the monthly minimum repayment.

Plus, enjoy an introductory rate of 5.9% p.a. on initial balances transferred for the first 3 years. A standard variable rate of 20.49% p.a. applies to balances after 3 years, ongoing purchases and cash advances.1.

As an example, this could be suitable for those looking to transfer an outstanding balance from a non-Citi account or to pay for a large purchase at an initial introductory rate.


  • An ongoing convenient line of credit, which lets you access money whenever you like, up to your credit limit, at the standard variable rate, without needing to reapply.
  • Only pay interest on the amount you’ve used, not on your entire credit limit.
  • You’ll have the flexibility to make extra repayments without a fee and you won’t be penalised if you pay out your loan early.
  • The ability to choose your own monthly repayments above the minimum required.

Here's what you'll
need to apply

Around 10 minutes to complete the application

Earn more than $40,000 a year

Be 18 years or older and a permanent Australian resident

Not quite what you’re looking for?

Prefer a low introductory rate?

Get Citi Ready Credit with an introductory interest rate of 5.9% p.a. on the initial balances transferred, purchases and cash advances for 12 months. 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 receive a personalised rate and your choice of a 3, 4 or 5 year loan term. Citi Personal Loan Plus also provides a reusable credit facility.

Learn more

Calculators & 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


  • What will my repayments be?

    Use our repayments calculator to estimate how much your repayments will be.

  • What is a cash advance?

    A cash advance is a transaction where cash or its equivalent is obtained. For example, a withdrawal from an ATM, transferring money to another Australian bank account, or purchasing travellers cheques are all treated as cash advances.

  • What is a line of credit?

    A line of credit is the maximum amount of money you can borrow, repay and reuse at any time, without having to reapply. Find out more.

  • What other benefits come with Citi Ready Credit?

    There is a world of benefits available with your Lending account from special retail discounts to promotional interest offers and more. Find out more.

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. Existing lending customers are not eligible to apply for this introductory offer and cannot be used in conjunction with any other offers.

  1. The introductory interest rate of 5.9% p.a. applies to the initial balance transferred with this offer within 90 days 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 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%. 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 March 2021. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.
  2. 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.
  3. 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.

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