Citi Ready Credit - Apply Online

Terms and conditions apply and are available upon request. Fees and charges apply. Credit criteria apply.

Current Citibank Ready Credit and Personal Credit customers are not eligible to apply for this introductory offer. Applications may not be accepted if you have been approved for another Citibank offer in the last nine months. Allow up to 10 working days to process your application. To process your application, Citibank will need to verify your identity and income.

To verify your identity we will ask you to confirm details provided on your application. Please provide a contact telephone number that will be easy for us to contact you. Please notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details.

1. The 2.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 15 months. The 15 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period. Annual fees attract interest at the retail purchases rate. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit cash advance interest rate, currently 18.99% p.a. The current Citibank Ready Credit interest rate for retail purchases is 18.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 25 November 2011. This offer ends 31 March 2012. Current Citibank Ready Creditand Personal Credit customers are not eligible to apply for this introductory offer.
2. A credit line of between $5,000 and $30,000 will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $30,000 per year.
3. An establishment fee of $69 will be applied to your account upon activation. © 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank® and Arc Design® are service marks of Citigroup Inc.
4. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debitcard to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. The value table Assumes 6 dining experiences per year as part of the Citibank Dining Program.
5. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.
6. World privilege payment must be made using a Citibank Credit Card. Up to 25% discount on Dining and Shopping available at participating outlets. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.

© 2012 Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098. Citibank® and Arc Design® are service marks of Citigroup Inc.