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BTO)

Citibank Ready Credit (2.9% p.a. for 24 months
BTO)

 
 
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Details
Purchase Rate 18.99%
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Cash Advance Rate 18.99%
0 days
Interest Free
$0
Annual Fee
  • Balance Transfer Rate 2.9%for first 24 months

    • Citibank Ready Credit is a flexible line of credit giving you access to extra funds when you need them. Combining the convenience of a personal loan with the flexibility of a credit card to use for everyday expenses and those bigger things in life.
    • Start saving today with our 2.9% p.a. for 24 months on balances transferred.
    • Pay no annual fee, no monthly servicing fees and no cash advance fees ever.
    • A generous credit limit up to $30,000.
    • Access cash anytime using your Visa Debit Card fee free at over 3,000 ATMs, your personalised cheque book, online or from your mobile with Citibank's mobile app.
    • A low one off $69 establishment fee.
    • Enjoy a free bottle of award winning wine every time you dine with our partner restaurants, a range of worldwide discounts, access to exclusive holiday packages and Visa Entertainment offers.
    • Receive complimentary insurances on purchases - Guaranteed Pricing Scheme, Purchase Cover Insurance and Extended Warranty Insurance.
    Visit website for more features

    Card Details

    Rewards Program N Overseas ATM Availability N
    Insurance Cover for Purchases Y Interest Paid on Credit Balance N
    Automatic Travel Insurance N    


     
     
    Rewards Points per Dollar
    Spend to Redeem $100 Gift Card*
    Spend at Loyalty Partner for $100 Gift Card*
    Linked to Frequent Flyer N
    Frequent Flyer Ratio
    SPEND FOR SYD/MEL RETURN*


    Lifetime of Points
    Rewards Program Partners
    Rewards Bonus Points Partners
    Domestic Airlines
    International Airlines
    Conditions
    Annual Fee $0 Minimum Repayment 1%
    Annual Fee First Year $69 Interest Charged From PurchaseDate
    Rewards Joining Fee Late Payment Fee $10
    Supplementary Card Fee    
    Duplicate Statement Fee Overseas ATM Balance Fee
    Transaction Verification Fee Overseas ATM Withdrawl Fee
    Over Limit Fee $0 Overseas Emergency Card Replacement Fee
     


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    Terms & Conditions
    To apply for this product you must meet the following minimum criteria: (1) You are at least 18 years of age; (2) You have a good credit rating; (3) You earn a taxable income of $30,000 per year or more; (4) You are a permanent Australian resident.

    * For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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    Visa® is a registered trademark of Visa International Services Association.
    The MasterCard® brand is a registered trademark of MasterCard International Incorporated.