ATM PIN. Just a click away.

Create a new one for your Citibank Ready Credit via Citibank Online.

ATM PIN. Just a click away. Create a new one for your Citibank Ready Credit via Citibank Online.

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.

Apply Now

Please complete below info and a Citibank staff will call you on the next working day.

  • *Full Name:

  • *Email:

  • *Mobile Number:

  • *Monthly Income Range:

    RM 2000 and above Below RM 2000

* All fields are mandatory
New to Ready Credit?

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:

You can choose to pay us the monthly outstanding balance in full or the TOTAL MINIMUM PAYMENT DUE each month, as illustrated below:

The Minimum Payment is determined as follows:

Revolving Balance Minimum payment Due for the month
Revolving Balance (RM) For CRC accounts without Instalments plans For CRC accounts with Instalments plans
RM0 to RM60 Full Revolving Balance 4% of Full Revolving Balance + monthly Instalments*
RM60 to RM1,500 RM60
Above RM1,500 4% of the Full Revolving Balance

*For Example:

If you have a signed up for an instalment plan with a monthly instalment amount of RM400 and the Full Revolving Balance is RM500 for the month, the minimum payment due would be RM420
i.e. RM20 (4% of Full Revolving Balance) + RM400 (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

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