- Fastest, most flexible credit line with credit limit up to 4X your monthly income.
- Lower interest of 1.495% per month compared to a credit card.
- Citibank Ready Credit Card gives you access to millions of merchants worldwide + 1% cash rebate on your purchases.
No interest rate with upfront service fee*
|Tenure||6 months||12 months||18 months|
|Effective Interest Rate||14.82%||15.20%||13.63%|
|Upfront Service Fee||3.00%||6.60%||9.00%|
Preferential interest rate with no service fee
|Tenure||12 months||24 months||36 months||48 months||60 months|
|Effective Interest Rate||15.80%||14.25%||13.50%||14.00%||14.00%|
|Nominal Interest Rate||8.76%||7.76%||7.39%||7.79%||7.92%|
* No interest rate with upfront service fee, offer is not available for online application.
The loan amount will be deposited into the bank account of your choice within 3-5 days of approval.
- Age: 21 years old and above
- For Singaporeans and PRs, minimum annual income of S$30,000
- For foreigners, minimum annual income of S$42,000
A copy of your NRIC/passport, latest original computerized payslip or Tax Notice of Assessment or last 12 months’ CPF statement.
A copy of your NRIC/passport, last 2 years’ Income Tax Notice of Assessment and last 3 months’ bank statements.
- Latest Income Tax Notice of Assessment and/or employment letter certifying employment and salary
- Latest original computerised payslip
- Annual fee: S$80 (first year annual fee waived)
- Cancellation fee: 3% of outstanding unbilled principal amount or S$100 whichever is higher.