Get instant access to extra cash anytime, anywhere with Citibank Ready Credit. Stay one step ahead with a flexible line of credit.

Citibank Ready Credit is a flexible line of credit that allows you to get up to 4 times or up to 8 times your monthly income, provided your annual income is S$120,000 and above (subjected to bank approval). With the help of Citibank Ready Credit, you can access emergency funds anytime.

• Citibank Online Banking -You can pay your Citibank Credit Card or Ready Credit bills via Citibank Online Banking. Transactions are highly secured and require the creation of a unique user ID and password for access.
• Funds Transfer via FAST Payment-With the help of the FAST (Fast and Secure Transfer) service, you can pay back your Citibank Ready Credit bills. You can also receive payments via FAST from other banks to your Citibank Ready Credit card to pay your bills.
• Citi Mobile App -Citi Mobile App enables you to pay your Citibank Ready Credit bills seamlessly with a few clicks. Once you download and install the Citi Mobile App, you can enjoy a secured and instant transaction. You can also perform activities like payments and transfers, adding a new payee, and updating your contact details via Citi Mobile App.

• Enrol for E-statements – To enrol for an e-statement of Citibank Ready Credit Account log into Citi Online Banking. Electronic statements(e-statements) are an eco-friendly way of procuring bank statements. It requires a one-time setup process, following which you can access up to 7 years of your banking statements with ease.
• Enrol for Citi Alerts – Enrolling for Citi Alerts enables you to get a notification via SMS and Email you make on your Citibank Ready Credit account. You will also receive a notification for the EMI/payment dues on your Citibank Ready Credit Account, 7 days prior to the due date.
• Protect Your Card – The Citibank Ready Credit Card comes with a wide range of features, such as Citi Alters, EVM Chip, and more, to safeguard it from unauthorized or fraudulent transactions.

You can apply online, call 6363 6666 or visit any Citibank branches.

All applicants must be aged 21 years and above.

Minimum annual income to qualify for Citibank Ready Credit:

• S$30,000 for Singaporeans and PRs
• S$42,000 for Foreigners

For Salaried Employees:

• A copy of your NRIC/Passport
• Latest original computerised payslip or Tax Notice of Assessment

For Self-Employed:

• A copy of your NRIC/Passport
• Last 2 years' Income Tax Notice of Assessment
• Last 3 months' bank statements

For Foreigners:

• A copy of your passport and work permit (with minimum 6 months validity)
• A copy of utility or telephone bill or bank statement with your name and address
• Income Tax Notice of Assessment
• Latest original computerised payslip

The maximum credit limit can be up to 4 times your monthly income. For example, if your monthly income is S$3,000, you can be assigned a limit up to S$12,000 subject to approval. If your annual income is S$120,000 and above, your maximum credit limit can be up to 8 times your monthly income. All requests for Citibank Ready Credit are subject to Bank’s approval.

Issue Cheques

Enjoy the convenience of having a free chequebook, which allows you to make payment to anyone.

Perform ATM Cash Withdrawals

Withdraw cash from over 2.0 million ATMs worldwide with your Citibank Ready Credit Card/ATM Card.

Make an Online Fund Transfer

Transfer funds from your Citibank Ready Credit account to any other bank account anytime, anywhere.

Pay for Purchases

Pay for your purchases at millions of merchants worldwide with the Citibank Ready Credit Card.

Pay for Bills Online

You no longer have to queue up or make trips to different payment counters to pay your bills. With Citibank Ready Credit, you can manage your bill payments online, securely and conveniently.

Citi Quick Cash^

Draw a loan on your credit line and repay in fixed monthly instalments over a tenure of your choice: 12, 24, 36, 48 or 60 months.

Contactless Purchases

Speed through the checkout process with your contactless-enabled Citibank Ready Credit Card or mobile phone via Apple Pay/Samsung Pay

• Fast and secure and convenient
• Go cashless
• Tap to pay with your mobile phone. Find out more here

You can use up to your full approved credit limit assigned to your Citibank Ready Credit Account.

Yes, you may request for a review of your permanent credit limit.

For Salaried Employees:

Latest Income Tax Notice of Assessment and latest computerised payslip.

For Self-Employed, Commission and Variable Income Earners:

Last 2 years' Income Tax Notice of Assessment.

Please note that should your income documents reflect a lower earned income than what was previously declared, Citibank will have to adjust your current credit limit downwards to reflect your current income.

You need to pay S$50 or sum of 1% of Citi Ready Credit (“CRC”) balance, plus all other interest, late payment charges, plus minimum payment due under any Citibank instalment loan programs, whichever is greater. If your CRC account current balance, including minimum payment due under any Citibank instalment loan programs ("CRC Balance") is less than S$50, minimum due equals CRC Balance.

Any CRC outstanding balance due and unpaid in respect of earlier CRC statements shall be added to the minimum payment due and payable under any current CRC statement.

• By cash or cheque either at our branches* or through our ATMs.
• By sending your cheque by post to Robinson Road PO Box 1272, Singapore 902522. The Cheque should be payable to "Citibank Singapore Ltd". Please write your Citibank Ready Credit account number on the back of your cheque.
• At any AXS stations in Singapore, available 24/7. Payment made on weekdays or Saturdays before 8pm will be credited into your Ready Credit account on the same day.
• Via the Citi Mobile^® App.

*Service fee of S$10.90 (inclusive of 9% GST) is charged for each payment made to Citi Ready Credit account over the counter at Citibank Branches.

Please contact our CitiPhone Banking Hotline at 6225 5225 to find out the exact amount outstanding in your account if you want to repay in full.

As long as you have an outstanding balance in your account, interest is calculated daily based on the outstanding debit balance at the end of each day.

A minimum interest charge of S$5.00 per month applies if you have any outstanding debit balance within the month.

A new chequebook will automatically be mailed to you before your current cheques run out.

Please contact CitiPhone Banking at 6225 5225 so that we can suspend your unutilised cheques.

To request for a chequebook, please follow the steps below:

1. Login to your Citibank Online account, navigate to "Services" located on the top menu bar. Follow the path My Profile>Document Upload>Download Empty Forms to download and complete the "Citibank Ready Credit Chequebook Request form"

2. Upon completion of the form, revisit "Services" followed by My Profile>Document Upload>Document Upload. Under "Account number" select your Ready Credit account and under "Topics" select "Ready Credit Chequebook Request"

3. Upload the scanned copy of your "Citibank Ready Credit Chequebook Request Form."

4. The status of your request will be reflected at Services>My Profile> Document Upload> Document Upload> Document Uploaded (Past 90 days).

5. Upon the status updated to "Approved", the chequebook will be delivered to you within 10 business days.

The annual fee is S$120 (first year waiver). For interest, other fees and charges, please click here.

Click here for the location of all Citibank branches and ATMs.