Citibank Ready Credit
20.95%
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.
ALL DETAILS
Key Features
- 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
Eligibility
| Citizenship Status | Singaporean / PR |
| Age Requirement | 21 years old and above |
| Minimum Annual Income | S$30,000 |
Other Fees and Charges
| Annual Fee | S$100 (the first year waived) |
| Late Payment Fee | S$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 |
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