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Citibank Ready Credit

Rates and fees updated 20/04/2014

Home » Citibank Credit Cards » Citibank Ready Credit

Annual Fee$0 per year
Intro Rate for Purchases5.9% p.a. for 24 months
Standard Purchase Rate18.99% p.a.
Issued by: Citibank GPO Box 40 Sydney NSW 2001 Australia

    You can transfer from:

  • American Express
  • ANZ
  • Bank of Melbourne
  • Bank SA
  • Commonwealth Bank
  • HSBC
  • NAB
  • St.George
  • Westpac

    You cannot transfer from:

  • Bank of Queensland
  • Citibank
  • CUA
  • IMB
  • Suncorp
  • Virgin
  • Woolworths
  • Frequent Flyer Points
  • Reward Points
  • Rewards Program
  • Sign Up Bonus
  • First Purchase Bonus
  • -
  • -
  • -
  • -
  • -
  • Extended Warranty Insurance
  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Personal Item Theft Cover
  • Price Protection Insurance
  • Purchase Protection Insurance
  • Transport Accident Insurance
  • -
  • -
  • -
  • -
  • -
  • -
  • -
  • Additional Card Fee
  • Balance Transfer Fee
  • Cash Advance Rate
  • Credit Limit
  • Interest Free Period
  • Minimum Age
  • Minimum Income
  • -
  • -
  • 18.99% p.a.
  • -
  • Up to 0 days on purchases
  • 18 years old
  • $35,000

Citi Ready credit is the ideal account for anyone who wants access to credit as and when they need it. With no annual management, transaction or cash advance fees; it costs absolutely nothing to maintain the account. The interest rate on purchases stands at – for the first -, it then jumps to a respectable 18.99% p.a.. Whether you want to pay for a one off item or want to use the card regularly, the Citi Ready Credit account is the perfect choice.

The Card’s Best Features

The Citi Ready account allows you access to your funds through a Visa debit card and a cheque book – giving you peace of mind for any of life’s unseen emergencies where you might need to get your paws on some extra cash in a hurry.

As previously mentioned, the account comes with an excellent introductory and standard purchase rate that makes it ideal for everyday purchases too!

Citi also offer CardProtect, a cheap monthly service (from 59c a month) that assists you in meeting your monthly repayments in the event of disablement, redundancy, resignation and certain listed life events. This gives you further peace of mind that you will be financial secure, no matter what life throws at you. CardProtect also pays the outstanding balance on your Ready Credit account up to a maxium of $50,000 in the event of your death and up to $100,000 if death was the result of an accident.

Are There Any Drawbacks?

Unfortunately, the Citi Ready account isn’t completely free! There is a $69 establishment fee to pay at the very beginning. The interest rate after the introductory period goes up to 18.99% p.a. and although this is competitive, bare in mind that there are credit cards on the market offering a better rate.

Who Would be Suited?

The Ciitbank Ready account is perfect for anyone who wants financial security and peace of mind. If you don’t already own a credit card and simply want a cheap-to-run account which gives you access to a line of credit as and when you need it, then the Ready card is the one for you.

Who is Eligible?

In order to be eligible for the Citi Ready account, you’ll need to be earning $35,000 or more per annum. You will also need to be an Australian resident, be over the age of 18 and have a good credit history.


Whether it’s car insurance, a holiday or an unpaid bill, the Citi Ready account gives you access to a line of credit, without having to pay through the roof for the privilege so you can pay for things without worrying where you will get the money from. If you don’t already own a credit card, but don’t want to pay the associated fees that come with it, then sign up to the Ready account now.