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Citibank Ready Credit

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Citibank Ready Credit


Prevailing Interest Rate

S$ 100

Annual Fee

S$ 100

Min.Monthly Repayment

S$ 10,000

Loan Amount

3 Years

Loan Tenure

With Citibank Ready Credit, you can get cash up to 4x your monthly income with an effective interest rate of 20.95% p.a. and a waived annual fee of $80 for the first year of signing up.


  • Enjoy a line of credit up to 4x your monthly income or up to 8x, if such income is $120,000 or above with an interest rate of 20.95 p.a. EIR.
  • Receive a Citibank Ready Credit Card
  • Enjoy interest rate from as low as 3.99% p.a. (EIR 7.50% p.a.) by converting your available credit limit to a cash loan with Citi Quick Cash
  • Issue cheques with a personal chequebook
  • Maximize interest savings by transferring balances from other banks’ credit cards or credit lines with Citi Balance Transfer
Citizenship StatusSingaporean / PR
Age Requirement21 years old and above
Minimum Annual IncomeS$30,000
Annual FeeS$100 (the first year waived)
Late Payment FeeS$100
Over-limit Fee$40
Minimum Monthly Repayment$50 or the sum of 1% of Citibank Ready Credit balance, interest,
late payment, Quick Cash minimum payment, whichever is higher

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

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