Getting started

All Ready Credit applications are subject to our credit criteria and eligibility checks. To improve the likelihood of your application being approved, here are some requirements you will need to make sure you meet, before you apply:

• Be 18 years or older and a permanent Australian resident
• Be employed or receive regular income
• Have a good credit rating
• Live in Australia
• Apply for the right amount. Our loan borrowing power calculator can give you an idea of how much you might be able to borrow given your income and lifestyle

Your borrowing power is based on your gross annual income, how much you can afford to pay and our credit criteria. To give you an idea on how much you might be able to borrow given your income and lifestyle, please see our Our loan borrowing power calculator.

A credit facility that allows you access to funds within your available credit limit, as needed. A line of credit can be helpful for large purchases and expenses or an unexpected event, as it means you can access your available funds sooner without needing to reapply.

Your repayment is considered flexible as the amount can change from month to month, whereas a fixed monthly repayment does not change for the life of the loan. The repayment you’re required to make to pay down your Citi Lending account balance, can vary based on your minimum payment due, any overdue or overlimit amounts, any other amount that is due such as a monthly instalment plan you may have taken up.

No. We do not charge early payout fees on Citi Lending accounts.

You have 3 months from your account approval to take up your introductory offer for Citi Ready Credit account. If you completed the balance transfer request at the time of application, then activation of your Citi Lending Mastercard^® will authorise your introductory offer and disburse the funds as per the request completed. If you're having problems with your account set up, please call us on 1300 665 279.

To activate your Citi Lending account, please see refer to Activating your account above.

You can find the Rates and Fees applicable to your Citi Lending account here.

You can find your Citi Lending account‘s Unsecured Credit Terms and Conditions and Other Important Information as well as other useful links on our Useful Forms and Links page.

For important notices relating to your Citi Lending account, please visit our Useful Forms and Links page. From time to time we will also send you important notices through email or mail. Ensure your contact details are up to date to receive these notices. You can update your contact details by following the steps below:

1. Log in to Citi Online
2. Click on 'My Profile' from the top menu
3. Enter the One-Time PIN when prompted. The One-Time PIN will be sent to your registered mobile number
4. Select ‘View/Update details’ from the menu on the left to review your details
5. Update any necessary details and click continue
6. Review the details you have updated and click continue
7. The confirmation screen will appear. Click ‘Done’ to finish the update

The minimum amount you are required to pay before the end of the Statement Period. The amount will include your minimum payment due, any overdue or overlimit amounts, any other amount that is due. To ensure you don’t forget a repayment, set up an automatic repayment with Easi-Pay.

Once you receive your Citi Lending account statement, you will know what your minimum payment due is and by when it needs to be paid, to keep your account in good order. Making repayments on your Citi Lending account can be easily completed through Easi-Pay(an automatic repayment), BPAY or Direct Credit.

To find out more on repayment options and how to set up Easi-Pay please see Making repayments on your Citi Lending Account above.

To find out how to download your statement, please see Download Statement above.

To set up a direct debit to pay your regular bills from your Citi Lending account, please refer to your statement for your BSB and Account number. Then simply provide your Citi Lending account BSB and Account number or card number to the service providers of your choice and advise them that your preferred method of payment is a direct debit from your Citi Lending account.

If your financial needs have changed, you can easily manage your credit limit on your Citi Lending account by requesting a decrease or increase to your credit limit. To find out how, visit our Credit Limit page here.

To apply for an additional cardholder, sign on to Citi Online, click on 'Services' and select 'Card Services', then click 'Additional Cardholder' and follow the prompts.

Sign on to Citi Online >.

When you make a repayment to your account through Easi-Pay, BPAY or Direct Credit, the available limit is updated for you as the primary cardholder as soon as the payment is processed. For purchases made by additional cardholders, their available limit will be updated when your next statement is issued. If you need to make credit available to them earlier, you can make a payment to your account via BPAY using the additional cardholders card number as the Reference Number.

To withdraw cash from your Citi Lending account:

• You can withdraw cash from your Citi Lending Mastercard^® by completing a funds transfer via Electronic Funds Transfer(EFT). This can easily be done through the Citi Mobile^® App or Citi Online.

To make payments from your Citi Lending account:

• You can make payments from your Citi Lending account via Citi Online or through the Citi Mobile^® App. For more information on how to make payments or transfer money from your Citi Lending account to another bank account, please visit the Payments and Transfers page.

To make purchases with your Citi Lending account:

• Make purchases instore or online using your card
• Add your card to your mobile wallet and shop online or instore

To reset your PIN, please visit our Help and Support page and follow the instructions provided.

You can use your Citi Lending account overseas on eligible purchases where Mastercard^® is accepted, however usage may be limited. Subject to local regulations, restrictions may be imposed on maximum amount spent and a foreign transaction fee will be charged. For more information on using your Citi Lending Mastercard^® and travelling overseas, please visit our Travelling overseas page.

If you come across a transaction you do not recognise, it’s important that you report it to us promptly. To report a transaction please contact us on 13 24 84. Under the scheme agreements we have with Mastercard^® if you take too long to raise a dispute from the date the transaction occurred, we may lose the ability to process the claim on your behalf. To understand what transaction may be disputed and the process to dispute a transaction, please visit our Help and Support page.

If your Citi Lending Mastercard^® is missing or you are concerned about fraudulent activity you can block your card using the Citi Mobile^® App, Citi online or by calling us on 13 24 84. For more information on how to do this through the Citi Mobile^® App or Citi Online please visit our Help and Support page.

Your Citi Lending Mastercard^® will expire on the last day of the month shown on the front of your card. When your card expires, you will no longer be able to use it for in store purchases. Before your old card expires, we will post you a new one. If you have not received your new one, please call us on 13 24 84, and we will be happy to help.

To find out what financial support we can offer you in tough times, please visit our Help and Support page.

To find out how to manage your Citi Lending account online, please click here.

To update your details through the Citi Mobile^® App:

• Log in to the Citi Mobile^® App.
• Tap the 'Profile and Settings' icon on the top left of your app home screen.
• Tap 'Personal information' under 'Account settings'.
• Tap 'Edit' on the top right.
• Make the necessary changes.
• Tap 'Update'.

To update your details through Citi Online:

• Log in to Citi Online.
• Click on 'My Profile' from the top menu.
• Enter the One-Time PIN when prompted. The One-Time PIN will be sent to your registered mobile number.
• Select ‘View/Update details’ from the menu on the left to review your details.
• Update any necessary details and click continue.
• Review the details you have updated and click continue.
• The confirmation screen will appear. Click ‘Done’ to finish the update.

1. Sign on to Citi Online and select 'My Profile' from the 'Services' menu (located in the top menu bar).
2. Select 'Consent to contact' from the left hand menu, under Personal Information.
3. Then click EDIT, update your preferences and select CONFIRM to save.

To receive Citi Push Notifications (Citi Mobile^® App alerts) through the Citi Mobile^® App:

1. Log in to the Citi Mobile^® App.
2. Tap the 'Profile and Settings' icon on the top left of your app home screen.
3. Tap 'Alerts & notifications' under 'Account settings'.
4. Switch on the 'Enable Notifications' toggle to enable.
5. Switch off the toggle to disable.

Note: To receive push notifications, make sure you've agreed to receive notifications from the Citi Mobile® App ("Citi AU") in your device's settings.

For iOS devices, go to 'Settings' > Tap 'Notifications > Select 'Citi AU' > Tap 'Allow Notifications'.

For Android devices, go to 'Settings' > Tap 'Apps' > Select 'Citi AU' > Tap 'App notifications' > Tap 'Show notifications'.

To view offers available to you, sign on to Citi Online, click on 'Offers' and then select 'Lending'.

Sign on to Citi Online >

Not all features available in Citi Online are available in the Citi Mobile^® App. To see what features you can access in the Citi Mobile^® App please see our Citi Mobile^® App page.

You can view your statements and access up to 7 years’ worth of statements via Citi Online or the Citi Mobile^® App.

Citi Online

1. Log in to Citi Online.
2. Select ‘Services’ from the top menu.
3. Select ‘My Profile’.
4. Enter the One-Time PIN (OTP) when prompted. The OTP will be sent to your registered mobile number.
5. Select ‘Statements and Notices’ from the left-hand menu.
6. Select ‘View/Download Statement’.
7. Choose the account you would like to see the statement for and the time period.
8. Click ‘Download’.

Citi Mobile^® App

1. Log in to the Citi Mobile^® App.
2. Tap the 'Profile and Settings' icon on the top left of your app home screen.
3. Tap 'Statements' under 'Account Settings'.
4. Select the relevant account.
5. Choose the time period.
6. Your statement will be shown in PDF format within the app.

A Balance Transfer is when you move an outstanding amount you owe, called a balance, from a credit card or a personal loan over to another account. The account you move the balance over to, should have no or a low interest rate for a promotional period. If you pay off the balance in full before the Balance Transfer promotional period ends, then this can result in you paying less in interest and saving you money. For more information on Balance Transfers please visit our Balance Transfers page.

To see if you’re eligible for a Balance Transfer on your existing Citi Lending account, please visit My Offers by signing on to Citi Online, clicking on 'Offers' and then select 'Lending’. Alternatively, you can call us on 13 24 84, to see if you are eligible.

If you are eligible, you can accept a Balance Transfer offer by signing on to Citi Online, selecting ‘Offers’ then ‘Lending’. Alternatively, you can call us on 13 24 84.

If you have given us permission to email you, we will send you an email to let you know you have an offer available and you can accept this offer by calling the phone number provided or signing into your account.

At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate (APR) that applies to cash advances.

Some Balance Transfer offers do have a fee. Any fees associated with a Balance Transfer will be clearly visible in the offer email you receive from us via email or in the Offers section within Citi Online. If you have accepted an offer over the phone the customer service representative will advise you of any fees included, before processing your offer.

If a Balance Transfer fee applies, it will be charged to your account when the Balance Transfer is processed, and the Balance Transfer promotional rate will apply to it.

• Request a transfer of funds from your Citi Lending account to a bank account in your name via Electronic Funds Transfer(EFT). The funds will be available within 3 business days from when the balance transfer is processed
• Transfer the balance you owe on a non-Citi credit card or personal loan to your Citi Lending account

Instalment plans are a flexible repayment option that lets you pay off a portion of your balance at a lower rate than your standard variable Annual Percentage Rate (APR) applicable to your account. With an instalment plan, you can request cash, convert purchases/cash advances or a portion of your statement balance, within your available credit into regular monthly repayments. Instalment plans are set up with a fixed rate and paid down over a set term.

There are three different types of instalment plans that we offer:

Citi Quick Cash allows you to request cash from $500 up to 90% of your available credit, and convert it into an instalment plan

Citi PayLite allows you to convert purchases and cash advances of $300 or more before they appear on your statement

Citi FlexiBill allows you to convert purchases and cash advances included in the closing balance on your last statement. A minimum conversion of $500 applies

To find out more about instalment plans please visit our How to use your account page.

When you have an instalment plan, your payments to your Citi Lending account will generally first be applied to any initial interest charge, monthly instalment, FPO fee and related interest. This means that the monthly instalment that is due is paid before your other balance types, even if they have a higher rate of interest (e.g. balance transfers, retail purchases or cash advances). When you take up an instalment plan it helps you repay the amount borrowed within a fixed term that you choose, at a lower rate than the standard variable APR applicable to your account. Your instalment loan will appear on your monthly statement with the Fixed Payment Option Summary section under your transactions list. For more information please refer to Application of payments in the Terms and Conditions.

Instalment plans are set up with a fixed interest rate for the term of the instalment plan. The interest rate will vary depending on your eligibility.

To find out if you are eligible for an instalment plan please visit How can I take up an instalment plan and follow the steps.