Citibank Ready Credit is an Unsecured Personal Overdraft with Checking Facility that allows you to access cash easily in any amount in excess of your credit balance up to the approved overdraft limit.

Top 3 reasons why Citibank Ready Credit is beneficial to you.

Cash with Citibank Ready Credit PayLite and repay in fixed monthly instalments up to 48 months. Save on interest with Citibank Ready Credit Balance Transfer via Instalment Plan and Citibank Ready Credit Balance Refinancing. Cash from 10,000 ATMs nationwide. Apply Now

	Rediscover your spending power Consolidate outstanding balances from up to 3 credit / charge cards from other banks into your Citibank Ready Credit Balance Transfer via Instalment Plan to enjoy greater savings and better management of your finances. What's new with Ready Credit Balance Transfer via Instalment Plan? 9.9% Effective Interest Rate per annum for all tenures. Repay in fixed monthly instalment of 6, 12, 18, 24, 30, 36 or 48 months. Savings you could enjoy with a RM5,000 Balance Transfer via Instalment Plan at 9.9% Effective Interest Rate per annum: * For conventional credit cards, interest rates are compared based on finance charges at 18% p.a and calculated based on assumption that the customer only pays the 5% minimum repayment every month. Type of Applicants Documents Required Salaried Employee Photocopy of MyKad (both sides) Latest EPF Statement OR Latest 3 months salary slip AND/OR Any of the following documents where required. - Latest BE form with tax receipt - 3 months bank statements - EA Form Self- Employed Photocopy of MyKad (both sides) Photocopy of Business Registration Form AND Latest Form B with tax receipt OR 6 months bank statements

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