Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate.
SAVE with a low balance transfer rate 7.9% p.a.* for LIFE on balances you transfer† from non-Citibank credit cards, store cards and personal loans.
SAVE with a low ongoing rate 14.99% p.a. on ANY purchases and cash advances. Use it for everyday purchases and cash withdrawals, and save even more.
SAVE with none of the everyday transactional fees# NO transaction, ATM/EFTPOS or cash advance fees# so even more money stays in your pocket.
Have the freedom to buy what you want With $5,000 to $25,000^ to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds.
Convenient access with a Visa Debit Citicard Use at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.
*Please note: To process your application, Citibank will need to verify your identity and income.
Terms and conditions apply and are available on request. Existing customers are not eligible for this offer. Applications may not be accepted if you have been approved for another Citibank offer in the last 9 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 on. Please notify your payroll department or accountant (if self employed) to ensure that they are willing to confirm your income details.
* 7.9% p.a. interest rate applies only to balances transferred with this offer.
† Balance transfers are repaid first. Transactions made other than with this offer will be subject to Citibank's standard Personal Credit rate currently 14.99% p.a., which is variable, subject to change and Citibank's credit criteria.
# Low annual fee of $69 applies. 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.
^ The credit line of $5,000 to $25,000 is subject to Citibank credit criteria.
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