This was posted 11 months 16 days ago, and might be an out-dated deal.

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70,000 Velocity Points When You Access $1000 or More Credit within 3 Months (8.9% p.a., $199 Fee) @ Citi Ready Credit

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70,000 Velocity Points When You Access $1000 or More Credit within 3 Months (8.9% p.a., $199 Fee) @ Citi Ready Credit
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L[Deactivated] on 15/01/2024 - 23:00 www1.citibank.com.au (562 clicks)
Last edited 16/01/2024 - 12:08 by 1 other user

Citi Ready Credit is a line of credit that can help bring your grand plans to life! You can spend on a big purchase like a second-hand car, a family holiday or use it to pay off an existing balance. Enjoy an introductory fixed rate of 8.9% p.a. for 5 years on the initial balance that you request to be transferred to your bank account.2

Apply online in as little as 10 minutes and you’ll also receive 70,000 bonus Velocity Frequent Flyer Points when you request a balance to be transferred of $1,000 or more within 3 months from approval.1 Whatever your needs may be, Citi Ready Credit ensures you have the funds you need, when you need them.

A standard variable rate of 20.49% p.a. applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.

Mod note

Please note also the reduced establishment fee offer outlined in the Interest Rates Table: An Establishment Fee of $99 will be debited to your Ready Credit account on the date we issue the first statement of account after you activate your account. The Establishment Fee is billed in addition to the amount borrowed. This reduced Establishment Fee applies to applications submitted from 1 November 2023 to 30 April 2024 only. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice.

Please enquire with Citi as to the exact amount of establishment fee you will be charged.

Financial Frequent Flyer Loan Reward Points Velocity Frequent Flyer

Related Stores

Citibank Australia
Citibank Australia
Velocity Frequent Flyer
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closed Comments

  • sebtobin on 15/01/2024 - 23:19
    +2

    Wow their website is trash

  • stiggz on 15/01/2024 - 23:30
    +2

    Just so you are aware, NAB are taking over citi's australian consumer business, so you will be an NAB customer.

    They have already f'd up one part of my transition to NAB.

    • Wiadro on 15/01/2024 - 23:55
      +3

      NAB has been sh!t from day one!
      I don’t understand how they have loyal customers

    • payless69 on 16/01/2024 - 08:14

      Ubank is fine
      NAB itself sub average
      CITI is sewage

      • timhn on 16/01/2024 - 09:16

        CITI is sewage

        But their Prestige deals in 2022/2023 could considered "gold status" in term of credit card deals (1/2 annual fees, high bonus points, no hassle to getting points from PayAll, unlimited lounges access, multiple exclusive deals like airport transfers and accom free night etc). It was the only credit card that I kept for 12 months to milk all the benefits.

        Similar with the PayAll deal that many people managed to setup beyond 2030 - before they closed the loophole.

        • payless69 on 16/01/2024 - 17:42

          Long time before NAB, Suncorp had their fingers burned with Citi. They were Suncorp branded but backed by Citi. Good at the beginning, fading to junk.
          Full page advertisements advertising wrong annual fees. Well new customers got a lower fee but the ads failed to explain, no fine print at all.
          Hidden rewards with inconsistent deals, dodgy web access.
          Fast forward to 2024, CITI web access sucks, their Philippine based call centre is unable to deal with the smallest issues.

  • bk1973 on 16/01/2024 - 02:04

    Anyone know if it possible to “double dip” on this? I previously did the 100k Flybuys Ready Credit offer last June. I still have the Ready Credit account open, but perhaps I can close that then reopen another? The T&C’s only mention not having previously received the 70k velocity offer a previous time.

    T&Cs state: “ Offer exclusions: This offer is available only once per customer. If you have previously received, or are entitled to earn, 70,000 Velocity Frequent Flyer Points with this offer, you will not be eligible to earn another 70,000 Velocity Frequent Flyer Points with this offer.”

    • Mr BoMBAStiG on 16/01/2024 - 06:21
      -1

      Use your wife's details this time

  • Carrots94 on 16/01/2024 - 07:17

    What does this end up costing you to get the points?

    Just the $199? Or do you need to pay anything to meet the minimum transfer
    I’m confused

    • timhn on 16/01/2024 - 09:24
      -1

      What does this end up costing you to get the points?

      $199 plus some interest payments.

      You can check some comments in similar deals like this

      This is not a good deal any more since the fee is reverted to full price.

      • BergzBargz on 16/01/2024 - 10:44
        +5

        $200 for 70,000 points is still good.

  • Miroslav on 16/01/2024 - 12:07
    -2

    $199 fee kills the deal. The Citi Rewards card offer https://www.ozbargain.com.au/node/820858 is much better - less hassle, more points.

  • alvchan on 16/01/2024 - 14:06
    +1

    Was a pain trying to apply for the QFF deal - customer service either doesn't connect through or breaks up during the call. Not going to bother with Citibank deals anymore I think.

  • TheFyrd on 10/02/2024 - 14:55

    Sorry bit of a silly question. Is there a way to get the bpay or account information early? Was it included in an email? I can't download a statement yet. I called up and transferred $1250 out of the account and it's been a few days and I want to transfer at least half back in to reduce the interest accrual until I get the email for the points claim.

  • TheFyrd on 15/02/2024 - 16:04

    Has anyone gotten the email for the points?

  • jjj123 on 28/02/2024 - 08:50

    can you enlighten me how to spend $5K in 90 days, ATO, city council fee, centerlink debt do not count.

  • Koipanda on 01/03/2024 - 00:16

    According to the T&Cs:

    Offer exclusions: This offer is available only once per customer. If you have previously received, or are entitled to earn, 70,000 Velocity Frequent Flyer Points with this offer, you will not be eligible to earn another 70,000 Velocity Frequent Flyer Points with this offer.

    I'll risk it and apply even though I have previously got the Qantas one.

    • alvchan on 19/03/2024 - 09:24

      how did you go?

  • CyberHippy on 02/03/2024 - 03:02

    Hello, just wondering if anyone has been knocked back when applying for credit cards after taking out this ready credit offer? I don’t want this to affect my churning

  • digitalane on 13/03/2024 - 18:06
    +1

    These jokers keep declining me even though I have a card with them which I pay in full every month.

    Maybe they don’t like the fact that I only use it for a $20k PayAll each month!

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