Exclusive to Finder.com.au: Citibank Ready Credit 0% PA for 6 Months Balance Transfer Offer

02

Go to Deal

Store Repfindercomau @ Finder on 17/02/2014 - 14:52 creditcardfinder.com.au (111 clicks)
Last edited 17/02/2014 - 17:06 by 2 other users

Citibank have released a balance transfer offer on their ReadyCredit product of 0% p.a. for 6 months for finder.com.au users only.

Product Name: Citibank ReadyCredit
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Revert Rate: Purchase Rate (18.99% p.a.)
Interest Rate on Purchases: 18.99% p.a.
Offer end date: 31 March 2014
Annual Fee: $0 p.a.
Interest Rate on Cash Advances: 18.99% p.a.
Minimum Credit Limit: $5,000
Max Credit Limit: $60,000

Fees

There are no annual fees, monthly account keeping fees, redraw fees or early termination fees with the Ready Credit. Other fees include:
- An establishment fee of $69, which is debited to your account on first use.
- Late payment fee of $10 every 7 days until payment is made.

Read our complete review of this offer: http://www.creditcardfinder.com.au/citibank-ready-credit-bal…

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• 

  hotmustardsauce on 17/02/2014 - 15:00

  +2

  How much do you earn from citi for each successful referer

• 

  No on 17/02/2014 - 15:05

  +1

  Also worth noting that if you sign up direct with citibank the rate is 5.9% for 2 years which could be better for some people.

  http://www.citibank.com.au/aus/lending/loans_readycredit.htm

• 

  justtoreply on 17/02/2014 - 15:08

  Yay? Zero fee on balance transfers is not rare. There are usually a few without annual fees too (admittedly far fewer).

  Technically you can list this offer on ozbargain because its "discounted". But what makes this any better than the HSBC card which is 0 annual fee, 0% for 6 months on transfers, but 1% cheaper interest rate? Nothing. But you can't advertise the HSBC card because it's not a deal. Feels misleading to me that you've elected to advertise an inferior product.

  I actually like the info on your website. But I dont think I can call this a true deal.

• 

  THEMAN_AUS on 17/02/2014 - 15:45

  +1

  the ANZ one is 13 months and I think the NAB one is 14 months.

  • 

    aztecian on 17/02/2014 - 17:09

    Agree, therefore this is hardly a good deal

  • 

    justtoreply on 18/02/2014 - 13:52

    Note those aren't annual-fee free ($30 is the cheapest for both banks).

    Having said that, in terms of keeping your credit card rating intact it may be better to pay a small annual fee rather than keep switching cards. $30 for that is not a big cost. A couple of card switches and hopefully you've gotten yourself under control and paid it off.

    Also note any period > 12 months is going to incur the annual fee twice. So you may not want to be with them for longer than 12 months.