Stay in control of your cash flow with a combo created to support your lifestyle.
A versatile combo that lets you call the shots, the Citibank Payment Options Package offers you a truly flexible way to keep on top of your cash flow by utilising your savings or credit, depending on what suits you best.
The Citibank Payment Options Package:
- Citibank Ready Credit
- Citibank Rewards Credit Card – Platinum
- Citibank Plus
To ease the pressure of managing your expenses, we've created the perfect budgeting tool: the Citibank Payment Options Package. Combining a flexible line of credit that you can tap into any time, a $0 credit card annual fee^ for your everyday spend and a fee free transaction account, this package lets you decide how to use your savings or credit month by month.
Citibank Ready Credit:
- An introductory rate of 2.9% p.a. for 15 months1.
- Up to $30,000 credit limit for any purpose.
- A flexible redraw facility allows you to withdraw again and again without re-applying and No fixed term.
Citibank Rewards Credit Card - Platinum:
- $0 credit card annual fee every year when you spend $16,000 on your credit card, you'll save $199.
- 1.25 points per $1 spent on purchases in Australia and 3 points per $1 spent on international purchases, up to 250,000 points every year with Citibank's Rewards Program.
- A range of complimentary insurances including International Travel Insurance, Transit Accident Insurance, Extended Warranty, Purchase Cover and Guaranteed Pricing Scheme2.
Citibank Plus:
- Free access at over 3,000 Citibank, Westpac, St George, Bank of Melbourne and BankSA ATMs Australia-wide.
- Free international money transfers from Australia to any account, anywhere in the world.
- Free Visa Debit card, so you can shop online, in-store or overseas using your own money.
Enjoy the Citibank Dining Program:
- You'll receive a free bottle of award winning wine every time dine and pay with your Citibank card at Citibank Dining Program partner restaurants.
Your package deal:
$0Credit card annual fee every year when you spend $16,000 on your credit card.
$0Establishment fee on your Citibank Ready Credit.
2.9%p.a.For 15 months1 on balances you transfer on your Citibank Ready Credit.
Learn more about:
| Balance Transfer Rate | 2.9% p.a. for 15 months1. Standard interest rate after 15 months. |
| Variable Standard Interest Rate | 18.99% p.a. |
| Variable Cash Advance Rate | 18.99% p.a. |
| Interest calculated | Daily |
| Loan amounts | $5,000 - $30,000 |
| Loan term | Revolving |
| Security | Unsecured |
| Insurance | Card Protect |
| Minimum income | $60,000 |
| Minimum Age | 18 |
| Additional Cardholders | Up to 1 |
| Additional Cardholder Minimum | Age 16 |
| Repayment frequency | Monthly |
| Ability to make additional repayments | Yes, at no charge |
| Minimum repayments balances | The greater of $30; or the sum of the interest charges for the Statement Period, plus 1% of your Closing Balance, plus any billed late payment fees as at the end of the Statement Period. |
| Repayment methods |
|
| Lump sum repayments | Yes |
| Increase regular repayments | Yes |
| Access funds |
|
| Unlimited free transactions |  |
| Minimum opening balance | $0 |
| Monthly eStatement | |
| ATM & EFTPOS | |
| Visa Debit Card | |
| Citibank Online | |
| CitiPhone | |
| Cheque | |
| Bank@Post - Australia Post | |
Apply now
Apply now for the Citibank Payment Options Package to take control of your cash flow.
What you will need and eligibility criteria:
You will need the following to apply for a Citibank Payment Options Package:
| Proof of age: | You must be over 18 years of age or older. |
| Resident requirement | You must be a resident of Australia. |
| Identification: | You must be able to be identified in Australia at or before account opening. For Citibank Plus you will need to provide at least two of the following forms of identification - Australian drivers licence, Medicare card or Passport, so we can verify your identity electronically. For your Credit Card or Ready Credit you will also need to verify your income details. You'll need to supply documents to help us do this, a list below outlines what is required depending on your employment type. |
| Personal details: | Residential address, contact details (for all account holders if applying for a joint account) and your current e-mail address. We will confirm your application and send your electronic notices to this e-mail address. |
| Residential details: | Current residential status (and previous residential details if you have been at your current address for less than three years). If renting or boarding, your landlord or real estate agent's details. Contact details of a relative or friend not living with you. |
| Tax File Number (TFN): | Or valid exemption - you do not have to provide your TFN, but without it we will be required to deduct tax at the top marginal rate. |
| Credit rating: | You must have a good credit rating |
| Taxable income: | You must earn taxable income of $75,000 per year or more |
| Financial position: |
|
To verify your identify and income details for your Credit Card or Ready Credit, you'll need to supply documents to help us do this, a list below outlines what is required depending on your employment type.
Please authorise with your employer and/or your accountant that Citibank may contact them to confirm your income and employment details.
All applicants
(please supply all of the following)
- Driver Licence (back side of the driver's license to include change of address) or proof of address (eg. most recent electricity or utility bill)
- Medicare Card or Passport to confirm residency
- Most recent mobile phone bill which reflects your name, address and mobile number.
(please supply any one of the following options):
- Two payslips less than 60 days old (preferred), or
- Letter of employment (should indicate annual income and employment status), or
- Three months of applicant's bank statements showing the regular income, or
- Most recent Individual Tax Return, or
- Most recent PAYG payment summary, or
- Most recent Individual Tax Assessment Notice.
(please supply any one of the following options):
- Two most recent Tax Assessment Notices, or
- Two most recent Income Tax Returns, or
- Two most recent Business/Company Tax Returns, or
- Two most recent Business/Company Profit & Loss Statements
(please supply any one of the following options):
- Two most recent Tax Assessment Notices & two most recent pay slips, or
- Two most recent PAYG payment summaries & two most recent pay slips.
(please supply any one of the following options):
- Annual superannuation statement which includes an indexed pension amount, or
- Most recent Pension statement, or
- Three months of personal bank statements showing regular credit or cash deposits, or
- Most recent Self-managed Superannuation Tax Return less than 15 months old.
Please send documents, together with your full name and DOB to:
| Email: | newcreditapplications1@citi.com |
| Fax: | 1300 301 304 |
| Post: | Citibank Credit Cards, GPO Box 1625, Sydney NSW 2001 |
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About the Offer
Spend includes retail purchases and it excludes refunds, balance transfers and cash advances.
Can I swap my Citibank Rewards Credit Card – Platinum and/or Ready Credit for another Citibank card?
No, the package offers are based on taking a Citibank Rewards Credit Card – Platinum and Ready Credit.
Unfortunately, yes you will be required to pay the annual fee on the Citibank Rewards Credit Card - Platinum and the establishment fee on your Ready Credit, however you can retain the 2.9% for 15 months BT on your Ready Credit.
No, to be eligible for the package offer, you are required to take up the balance transfer offered as part of this package.
You can request the credit limit you require, or we will assign the credit limit that is available to you according to our assessment. We will allocate the sum of your two credit limits evenly between your two products, subject to your requests above the minimum credit limit available on each product. You may request those limits to be reallocated in different proportions when you activate your accounts.
Your Citibank Plus account will continue to be processed, however you will no longer be eligible for the Citibank Payment Options Package offer.
At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Citibank Ready Credit variable standard Annual Percentage Rate, currently 18.99% p.a. This offer ends 31 December 2013.
If you don't have a balance to transfer, but would still like this offer, simply request a cheque to be sent to you (Cheque to Self) at a nominated amount once your account is approved, and use the funds to pay for whatever you like.
Citibank Plus Terms and Conditions (Adobe PDF, 287 KB)
Citibank Plus Schedule of Fees and Charges (Adobe PDF, 189 KB)
Terms & Conditions apply and are available on request.
- Your total balance transfers 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 15 months. Transferred balances are repaid before cash advances and purchases. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the standard variable Annual Percentage Rate, currently 18.99% p.a.
- Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No.232507 and Citibank, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentaryinsurance. An excess applies to Purchase Cover Insurance.
^ Spend criteria applies
Fees, charges and credit criteria apply. The product, rewards program and Dining Program terms and conditions that apply are available upon request. Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098 ('Citibank'). Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme. For more information go to www.apra.gov.au or call 1300 55 88 49. Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931.
New customers only. Offer ends 6th January 2015. If you do not qualify for one or more of the products, we will still proceed with your application for the remaining products, but you will not qualify for the package. We'll give you six months' notice if we vary your package benefits.
© 2017 Citibank, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.