- Citibank Ready Credit - Overview & Promotions
Top 3 reasons to get Citibank Ready Credit Card
- Cash Withdrawals - No cash advance fee
- Retail Swipe - Enjoy Rewards points from your debit card swipes
- Online Interbank Transfer & Online bill payment - GIRO and instant transfer fee*
*waived until further notice
Benefits at a glance:
- No cash advance fee for all cash withdrawals
- No annual fee
- Giro fee is waived until further notice
- Overdraft with ATM / Debit card
- No collateral or guarantor required for Ready Credit application
- Instant access to cash from ATMs nationwide and worldwide 24 hours a day, 7 days a week
- Online transfer and online bill payment
- Just swipe your debit card and earn Rewards points
- A “pay-per-use” overdraft facility; interest will only be charged to the amount utilized on a daily basis
- Monthly payment as low as 4% on outstanding balance
The Minimum Payment is determined as follows:
Revolving Balance (RM) Minimum Payment Due for the month
(Effective from 31st October 2015)
RM0 to RM60 Full Revolving Balance + 100% Monthly Instalments (if any)* RM60 to RM1,500 RM60 + 100% Monthly Instalments (if any)* Above RM1,500 4% of Full Revolving Balance + 100% Monthly Instalments (if any)*
If you have signed up for an instalment plan ie: BTI or PayLite, and the instalment amount is RM400 per month and the Full Revolving Balance is RM500 for the month, the minimum payment due would be RM460 i.e. RM60 (As Revolving Balance between RM60 to RM1500) + RM400 (100% of the monthly instalment amount)
You can pay your Ready Credit monthly bill via any of the following methods:
- By cash via cash deposit machine
- By cheque
- By online transfer (GIRO)
- By fund transfer via MEPS Shared ATM
- Spend RM1,500 within 60 days from your card approval date and you’ll get a 20” Condotti Trolley bag with Swarovski crystals OR an In-Car Digital Video Recorder (JT320).
- Spend RM5,000 within 60 days from your card approval date and you’ll get a 24” Condotti Trolley bag with Swarovski crystals OR an In-Car Digital Video Recorder (JT320).
Applicable for new Citibank Ready Credit cardmembers only. For full Terms & Conditions, click here.
For any transactions from a MEPS ATM under the following conditions:
- Rebate MEPS ATM withdrawal fees for the first 2 transactions of the month
- Minimal withdrawal amount of RM 300 to qualify for fee waiver
Promotion period: Valid from now until 30 September 2016.
Applicable to all Citibank Ready Credit cardmembers only. For full Terms & Conditions, click here.
As a Citibank Ready Credit cardmember, you’ll get special deals & discounts with Citi World Privileges.
To find out more, click here
Our current hottest privileges:
Applying for a Citibank Ready Credit is simple. The application process should take less than 10 minutes of your time to complete if you have all your personal details ready at hand.
Criteria For Application
|Minimum Income Requirement||RM24,000 per annum|
|Minimum Age||21 years old|
How you can apply
1. Click on the "Apply Now" button.
2. Fill up the online application form.
SMS RC2 to 36700
|Type of Applicants||Documents Required|
|Salaried Employee||Photocopy of MyKad (both sides)|
Latest EPF Statement
Latest 2 months salary slip*
Any of the following documents where required.
|Self- Employed||Photocopy of MyKad (both sides)|
Photocopy of Business Registration form
Latest Form B with tax receipt
6 months bank statements
(Only applicable for credit card applications)
|Copy of Passport|
Latest 2 months salary slip*
Work permit valid for at least six months at the time of application
Letter of employment
*Number of months of salary slip required will depend on the job nature of applicants