Balance transfer rate - 0% p.a. for 36 months with no balance transfer fee. Reverts to cash advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
Annual fee - $99
Additional cardholder fee - $0. You may have up to four (4) additional cardholders, who must be 16 years or older.
Retail purchase rate - 14.99% p.a. or pay off eligible purchases at a fixed interest rate over a set term with a Citi Instalment Plan.
Cash advance rate - 22.24% p.a.
Interest free period - Up to 55 days interest-free on retail purchases (unless you have a balance transfer).
Minimum credit limit - $6,000
Maximum credit limit - $100,000
Citi Instalment Plans: Break big expenses into smaller, fixed monthly repayments.
Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.
Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer within 90 days from card approval, for a period of 36 months, commencing from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citi unsecured credit products. Please note you will not be entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. Offer ends 29 June 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
$99 annual fee tho