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Citibank Personal Credit
Citibank Personal Credit 
Special Offer: CitiBank Personal Credit
Transfer your Personal Loans and/or Credit Cards and pay only 7.9% for 12 months!
CitiBank are offering 7.9%p.a FOR 12 Months! on any Balances transferred from either a Credit Card or a Loan not held with CitiBank.
CitiBank's offer is unique in that you are given a $25,000 'Line of Credit' that you can spend and repay at your leisure (minimum payment of $30 per month, or 1% whichever is the greater).
Considering most Credit Cards or Loans will charge from 12% to 20%, or even 30%p.a, why not transfer to a CitiBank Personal Credit account and pay only 7.9%p.a for 12 months!
Citibank Personal Credit
Advice
There is a one off $69 establishment fee. There are NO transaction, EFTPOS or cash advance fees with this card.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 15.59% p.a. |
| Purchases: | 15.59% p.a. |
| Cash Advance: | 15.59% p.a. |
| Annual Fee: | $69 one off fee, then $99p.a |
| Standard Features | |
| Credit Limit: | $25,000 |
| Interest Free Days: | N/A |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Citibank Ready Credit
Advice
There is a $69 card activation fee charged on first spend. There are NO ANNUAL FEE or transaction, EFTPOS or cash advance fees with this card.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 15 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 18.99% p.a. |
| Purchases: | 18.99% p.a. |
| Cash Advance: | 18.99% p.a. |
| Annual Fee: | $69 one off fee, then $0p.a |
| Standard Features | |
| Credit Limit: | $25,000 |
| Interest Free Days: | Up to 0 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Credit Card Benefits
- The Citibank Ready Credit works like an "ondemand loan". You have a credit line of $5000 - $25,000 which you can spend and repay as you wish.
- There is a minimum payment requirement of $30 per month or 1% (which ever is the greater).
- This means you can borrow up to $25k and only pay $250 per month in repayments if you wish.
- Alternatively, you could pay it all back the following month, the choice is yours!
- 2.9% p.a. introductory interest rate is available on purchases, cash advances, and balance transfers. After the six-month introductory period the interest rate will revert to an interest rate of 17.99% p.a. This interest rate is variable and subject to change and Citibank credit criteria.
- THERE IS NO ANNUAL FEE WITH THIS CARD!
Citibank Personal Credit Terms & Conditions
Existing Citibank Ready Credit customers or anyone who has applied for a Citibank unsecured credit product in the last nine months are not eligible for this offer.
Allow up to 10 working days to process your application. To process your application, Citi 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.
† Low annual fee of $99 applies.
* 7.9% p.a. introductory interest rate is available on purchases, cash advances, and balance transfers. After the twelve-month introductory period the interest rate will revert to an interest rate of 15.59% p.a. This interest rate is variable and subject to change and Citibank credit criteria.
ˆ The credit line of $5,000 to $25,000 is subject to Citibank’s credit criteria.
# Currency conversion fee applies to transactions made in a foreign currency. Other service fees and charges including late payment fee and dishonour fees may apply.
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