Save with 30% cash back on interest charges*.

Save with 30% cash back on interest charges*.

Citibank Ready Credit

The overdraft facility that you can rely on to ease your monthly financial burden with convenient cash withdrawal at over 11,500 ATMs nationwide without having the need to pay any fees#.

#Annual fee, GST & Cash advance fee.

Find out more about Citibank Ready Credit here.

Current Promotions
No cash withdrawal fee

No Charge.

When you make cash withdrawals with your Citibank Ready Credit at over 11,500 MEPS Shared ATM's nationwide.

  • Get up to 4x rebates* on cash withdrawal fee per month
  • No cash advance fee
Citibank Ready Credit debit card Enrol now

Promotion period from 7 April to 31 August 2014
For full terms and conditions, please click here.

*Only applicable for cash withdrawal of minimum RM500 per transaction and Citibank Ready Credit account is in debit balance at end of the month.


All year round permanent benefits:

No annual fee & GST for life
No cash advance fee for all cash withdrawal
Monthly payment as low as 4% of outstanding balance
Enjoy special deals & discounts with Citibank World Privileges

How it works:

Customer can gain access to extra funds through the overdraft limit with any of the following methods:

Cash withdrawal Fund transfers Cheque issuance Swipe or online purchase with debit card

Ready Credit is a “pay-per-use” overdraft facility, thus interest will only be charged to the amount utilised from your overdraft limit on a daily basis and is chargeable until the outstanding amount is fully paid.

Example 1:

Example 2:

Interest saving instalment plan:

PayLite With PayLite, you can get cash amount by converting a portion of the overdraft line assigned to your Citibank Ready Credit into cash loan and repay in monthly instalment.
>Learn More.
Balance Transfer via Instalment Plan Rediscover your spending power by consolidating your credit/charge card outstanding balances held with other banks to enjoy greater savings and better management of your finances with Balance transfer via Instalment Plan.
>Learn More.

How much you need to pay per month:

Choose to pay your monthly bill in full or just the minimum 4% of the revolving balances each month. Any instalment plan signed up will be billed on top of your minimum payment.

Outstanding balances Minimum due for the month
RM0 to RM60 Full revolving balance + Monthly Instalments
RM60 to RM1,500 RM60 + Monthly Instalments
Above RM1,500 4% of revolving balance + Monthly Instalments

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
How To Apply

Criteria For Application

Minimum Income Requirement RM24,000 per annum
Minimum Age 21 years old
Maximum Age 65 years old at the point of application

Required Document for New-To-Bank applicants:

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.

  • Latest BE form with tax receipt
  • 3 months bank statements
  • Latest EA Form
Self- Employed Photocopy of MyKad (both sides)

Photocopy of Business Registration form


Latest Form B with tax receipt


6 months bank statements

Salaried Expatriate
(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

SMS RC2 to 36700
Leave your contact details here

Citibank Branches

Kuala Lumpur

165, Jalan Ampang, 50450 Kuala Lumpur

Tel: 1300-13-5555 1300-13-5555


43, Jalan Sultan Ahmad Shah, 10050 Pulau Pinang

Tel: 1300-13-5555 1300-13-5555

Johor Bahru

City Plaza, 21, Jalan Tebrau, 80300 Johor Bahru

Tel: 1300-13-5555 1300-13-5555

Looking for an Instalment Plan? Calculate your repayment here:

  • *Choose Your Instalment Plan

  • *Effective Interest Rate (%):

  • *Preferred Loan Amount:

  • *Repayment Tenure:

  • Your monthly instalment is RM 0
* All fields are mandatory
  • Interested? SMS RCMLM to 66399 to apply
  • Interested? Leave your details with us! Find out more