Citibank Ready Credit Credit Card Application
Transfer non-Citibank credit cards, personal loans and store cards then pay just 2.9% p.a. for 24 months! This is the longest balance transfer on market and great for debt consolidation.
Citibank Ready Credit Credit Card Rates and Fees
Purchase rate
18.99% p.a. on purchases
Balance transfer rate
2.9% p.a. for 24 months
Cash advance rate
18.99% p.a. on cash advances
Annual fee
$0
Pros
Cons
- Long balance transfer rate of 2.9% p.a. for 24 months
- No ongoing or cash advance fees
- Easy access to funds via a Visa Debit Card, cheque book, online or mobile
- A free additional card
- You have to pay an establishment fee of $69
- The introductory offer will revert to an interest rate of 18.99% p.a.
Citibank Ready Credit Credit Card Application Criteria
- You must be at least 18 Years of Age
- You must be a Permanent Resident or Australian Citizen
- You must have a Good Credit History
- You must earn the Minimum Income of $35,000 or more
Terms and Conditions
1. Your total balance transfers with this offer may not exceed 80% of your credit limit. The 2.9% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 24 months. The 24 month promotional period commences once balance transfer is processed. Transferred balances are repaid first during this period before the establishment fee which attracts 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 standard annual percentage rate, currently 18.99% p.a. Interest rates are variable, subject to change and credit criteria. The interest rates are current as at 1 January 2012.This offer ends 30 June 2012. Current Citibank Ready Credit and 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. Applies to Citibank, Westpac, St George, Bank of Melbourne and Bank SA branded ATMs around Australia.
4. An establishment fee of $69 will be applied to your account upon activation.
5. 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. Please visit citibank.com.au/dining for important information about how to use this program to receive a free bottle of wine.
6. World privilege payment must be made using a Citibank Credit or Visa Debit. Refer to citiworldprivileges.com for up-to-date offer details.
7. Citibank Travel Program is operated by Pinpoint Travel Group Pty Ltd. Licence No. 2TA002974. Visit citibank.com.au/lendingtravel for details.
8. Visa Entertainment Offers supplied by Visa. Visit visaentertainment.com.au for details.
9. Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited.
© 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.