CITIBANK READY CREDIT

Always within your reach

Citibank Ready Credit

Overdraft with Debit & ATM Card

Always within your reach. 
Citibank Ready Credit. 
Overdraft with Debit & ATM Card
Citibank Ready Credit Card

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

Benefits at a glance:

No Charges

  • No cash advance fee for all cash withdrawals
  • No annual fee
  • Giro fee is waived until further notice

Convenient

  • 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

Flexible

  • A “pay-per-use” overdraft facility; interest will only be charged to the amount utilized on a daily basis

    Example 1:

    Example 2:

  • 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)*

    *For Example:
    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
Promotions
Get a complimentary Condotti Trolley Bag when you become a new Citibank Ready Credit cardmember.
Get a complimentary Condotti Trolley Bag when you become a new Citibank Ready Credit cardmember.
  • 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.

MEPS Fee Rebate

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.

Citi World Privileges

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:

15% off food & beverage
20% off on food & beverage
20% off food & beverage
20% off on food & beverage
20% off weekday lunch buffet
10% off for first two bottles of alcohol
How to apply

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
Citizen Malaysia

How you can apply


Citibank Online

1. Click on the "Apply Now" button.
2. Fill up the online application form.

APPLY NOW

Mobile

SMS RC2 to 36700

Citibank Branches

Kuala Lumpur
165, Jalan Ampang, 50450 Kuala Lumpur
Tel: 1300-13-5555 1300-13-5555

Penang
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

REQUIRED DOCUMENT FOR CITIBANK READY CREDIT APPLICANTS
Type of Applicants Documents Required
Salaried Employee Photocopy of MyKad (both sides)

Latest EPF Statement

OR

Latest 2 months salary slip*

AND/OR

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

AND

Latest Form B with tax receipt

OR

6 months bank statements

Salaried Expatriate
(Only applicable for credit card applications)
Copy of Passport

Latest 2 months salary slip*

AND

Work permit valid for at least six months at the time of application

AND

Letter of employment

*Number of months of salary slip required will depend on the job nature of applicants

  • Interested? SMS RC2 to 36700 to apply