Ready Credit

1. Introductory rate: Offer commenced 1 November 2024. Please ensure that all supporting documentation for your application is submitted to us before 1 August 2025. If we don’t receive all documentation before 1 August 2025, your application will be cancelled. The introductory interest rate of 6.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 6.9% p.a. will apply for a promotional period of 3 years. The 3-year promotional period will commence once the initial balance transfer is processed. This promotion will be treated as a balance transfer in accordance with the Unsecured Credit Terms and Conditions and Other Important Information. Any balance transfer requests submitted with your application will be processed when you activate your account. If you do not submit a balance transfer request with your application, you will need to call us to submit a balance transfer request 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 Annual Percentage Rate (APR), currently 22.49% p.a. During the introductory period, repayments are allocated to balance transfers before retail purchases and cash advances, which attract interest at the standard variable APR of 22.49% p.a. At the end of the promotional period, the APR on any outstanding balance transferred with this offer will revert to the standard variable APR. This offer excludes balances transferred from other Citi branded unsecured credit products. We may vary or end this offer at any time.

2. Establishment fee: An Establishment fee of $249 will be debited to your Citi Ready Credit account on the date we issue the first statement of account after you activate your account. The Establishment fee is billed in addition to the amount borrowed. We may vary or end this offer at any time.

3. Introductory rate: Offer commenced 6 February 2025. Please ensure that all supporting documentation for your application is submitted to us before 1 August 2025. If we don’t receive all documentation before 1 August 2025, your application will be cancelled. The introductory interest rate of 8.9% p.a. will apply to balance transfers you request with this offer within 3 months from account approval. The introductory rate of 8.9% p.a will apply for a promotional period of 5 years. The 5-year promotional period will commence once the initial balance transfer is processed. This promotion will be treated as a balance transfer in accordance with the Unsecured Credit Terms and Conditions and Other Important Information. Any balance transfer requests submitted with your application will be processed when you activate your account. If you do not submit a balance transfer request with your application, you will need to call us to submit a balance transfer request 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 Annual Percentage Rate (APR), currently 22.49% p.a. During the introductory period, repayments are allocated to balance transfers before retail purchases and cash advances, which attract interest at the standard variable APR of 22.49% p.a. At the end of the promotional period, the APR on any outstanding balance transferred with this offer will revert to the standard variable APR. This offer excludes balances transferred from other Citi branded unsecured credit products. NAB reserves the right to vary or end this offer at any time.

4. 100,000 Flybuys Points

Offer eligibility: Please ensure that all supporting documentation for your application is submitted to us before 1 August 2025. If we don’t receive all documentation before 1 August 2025, your application will be cancelled. To be eligible to earn 100,000 Flybuys Points, you must be a Flybuys member, apply for this offer by 14 July 2025, request a balance transfer of $5,000 or more within 3 months from approval, and provide a Flybuys membership number linked to an account in your name to NAB within 2 months of NAB’s request for it. Your NAB account must be open, in good standing (for example, your account is not in default, suspended or closed) and must maintain a debit balance until the time the Flybuys points are credited. If you do not provide your Flybuys membership number within 2 months from when NAB first request it, the Flybuys points will be forfeited.

Offer exclusions: This offer is available only once per customer. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. If you have previously received, or are entitled to earn, 100,000 Flybuys Points with this offer, you will not be eligible to earn another 100,000 Flybuys Points with this offer.

Requesting your Flybuys number: NAB will send you an email to the address maintained on your Citi Ready Credit account requesting your Flybuys membership number from you within 2 months from the date the initial transfer of $5,000 or more was processed.

Receiving your Flybuys points: The Flybuys Points will be credited to your Flybuys account within 2 months of NAB receiving your Flybuys number.

About Flybuys: 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 flybuys.com.au. Loyalty Pacific Pty Ltd (ABN 82 057 931 334) (trading as Flybuys) receives payment from NAB for the Flybuys points that its members earn in connection with this offer.

Offer expiry: This offer is valid until 14 July 2025. Post this advertised date, NAB reserve the right to continue, withdraw or change the offer at any time without notice.

5. 70,000 Velocity Frequent Flyer Points:

Offer eligibility: Please ensure that all supporting documentation for your application is submitted to us before 1 August 2025. If we don’t receive all documentation before 1 August 2025, your application will be cancelled. To be eligible to earn 70,000 Velocity Frequent Flyer Points, you must apply for this offer, request a balance transfer of $5,000 or more within 3 months from approval, and provide a Velocity Frequent Flyer membership number linked to an account in your name to NAB within 2 months of our request for it.  Your account must be open, in good standing (for example, your account is not in default or suspended) and maintain a debit balance until the Velocity Frequent Flyer Points are credited. If you do not provide your Velocity Frequent Flyer membership number within 2 months from when NAB first request it, the Velocity Frequent Flyer Points will be forfeited.

Offer exclusions: This offer is available only once per customer. If you have previously received, or are entitled to earn, 70,000 Velocity Frequent Flyer Points with this offer, you will not be eligible to earn another 70,000 Velocity Frequent Flyer Points with this offer.

Requesting your Velocity Frequent Flyer number: NAB will send you an email to the address maintained on your Citi Ready Credit account requesting your Velocity Frequent Flyer membership number from you within 2 months from the date the initial transfer of $5,000 or more was processed.

Receiving your Velocity Frequent Flyer Points: The Velocity Frequent Flyer Points will be credited to your Velocity Frequent Flyer account within 2 months of NAB receiving your Velocity Frequent Flyer number.

About Velocity Frequent Flyer: Membership of Velocity Frequent Flyer is your responsibility. Velocity membership and Points earn and redemption are subject to the Velocity member Terms and Conditions, as amended from time to time, are available at velocityfrequentflyer.com.

Offer commenced: Offer commenced 6 February 2025. NAB reserves the right to vary or end this offer at any time.

6. 50,000 Qantas Points

Offer eligibility: Please ensure that all supporting documentation for your application is submitted to us before 1 August 2025. If we don’t receive all documentation before 1 August 2025, your application will be cancelled. To be eligible to receive 50,000 Qantas Points, you must: apply for this offer before it is withdrawn, request a balance transfer of $5,000 or more within 3 months of approval, and provide your Qantas Frequent Flyer membership number linked to an account in your name to NAB within 2 months of our request for it. Your account must be open, in good standing (for example, your account is not in default or suspended) and must maintain a debit balance until the Qantas Points are credited. If you do not provide your Qantas Frequent Flyer number within 2 months from when NAB first request it, the Qantas Points will be forfeited.

Offer exclusions: This offer is available only once per customer. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. If you have previously received, or are entitled to earn, 50,000 Qantas Points with this offer, you will not be eligible to earn another 50,000 Qantas Points with this offer.

Requesting your Qantas Frequent Flyer number: NAB will send you an email to the email address maintained on your Citi Ready Credit account requesting your Qantas Frequent Flyer membership number from you, within 2 months from the date your initial transfer of $5,000 or more was processed. NAB may also send you an SMS.

Receiving your Qantas Points: The Qantas Points will be credited to your Qantas Frequent Flyer account within 2 months of NAB receiving your Qantas Frequent Flyer number.

About Qantas Frequent Flyer: You must be a Qantas Frequent Flyer to earn and redeem Qantas Points. A joining fee can apply, however, new customers who join here will have the joining fee waived by Qantas. Please ensure you provide your valid Qantas Frequent Flyer membership number. The Qantas Frequent Flyer membership must be in your own name. In the instance that the Qantas Frequent Flyer membership number and last name attached to your Citi Ready Credit account does not match the details in your Qantas Frequent Flyer account, you may not be eligible to receive Qantas Points. Membership of Qantas Frequent Flyer is your responsibility. Membership and redemption of Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions, available at qantas.com/terms.

This offer commenced 1 May 2024. NAB may vary or end this offer at any time.

7. Establishment fee: An Establishment Fee of $199 will be debited to your Citi Ready Credit account on the date NAB issue the first statement of account after you 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. NAB reserves the right to vary or end this offer at any time.