CREDIT LIMIT INCREASE

Your Credit Limit.

Greater convenience. More flexibility.

Your Credit Limit. Greater convenience. More flexibility.
  • Greater financial freedom as your income increases
  • Benefits of higher credit limit whenever you shop, dine, entertain or travel, anytime, anywhere
  • Quick, easy application via mail or fax
Benefits

With an annual income of at least S$30,000, you may be able to obtain unsecured credit facilities of up to four times (4x) your monthly income.

A higher credit limit is useful for extra spending that one may have planned for the year, for example, a dream holiday or anniversary. It also gives greater peace of mind for unforeseen expenditures.

Apply

How to apply

  • Download and complete the Income Update Form.
  • Attach your income documents along with the completed form (include variable income and bonus).
  • Send all the documents back to us by mail using the postage-paid mailer included with the form, or fax them all to 6704 6529.
  • Please note that if your income documents reflect an increase in income based on our record, we will, subject to our review*, increase the combined Citibank Credit Card account(s) credit limit and/or Citibank Ready Credit account credit limit. However, should your income documents reflect a lower earned income than what is currently in our record, your current credit limit will be reduced accordingly to reflect the prevailing earned income*.

    You can also ask for a temporary credit line increase by logging into Citibank Online to make the request.

    Please call our 24-Hour CitiPhone Banking at 6225 5225 if you have any questions.Please call our 24-Hour CitiPhone Banking at 6225 5225 if you have any questions.

  • Review and revision of the combined Citibank Credit Card account(s) credit limit and/or Citibank Ready Credit account credit limit is conducted at Citibank's absolute discretion. The maximum aggregate credit limit offered by Citibank in respect of unsecured credit facilities granted to an individual whose annual income is not less than $30,000 is: (a) four times (4x) the individual's monthly income; or (b) such higher multiplier of the individual's monthly income as may be permitted under law.
  • Where the individual has both Citibank Credit Card account(s) and Citibank Ready Credit account, Citibank will in its absolute discretion assign the maximum credit limit for each account. Citibank will in its absolute discretion, determine the credit limit based on income information provided and its credit and risk management policies.
  • If you have been granted a temporary credit limit increase, please note that any increase to your permanent credit limit pursuant to our review will be effected only after the temporary credit limit increase has ceased to be effective and the credit limit has reverted to the previously assigned credit limit.
  • Salaried Employees:

    Most recent computerized payslip (within last 2 months); OR

    Latest Income Tax Notice of Assessment and latest computerized payslip.

    Self-Employed, Commission and Variable Income Earners:

    Last 2 years' Income Tax Notice of Assessment.

Terms and ConditionsTerms and Conditions

Terms and Conditions - Credit Limit Review Program

  • The combined Citibank Credit Cards ("CCC") credit limit is the maximum credit limit permitted by Citibank in respect of which the current balance of all your card account(s) (excluding any business card account and Citibank Ready Credit account) must not exceed at any time and such combined credit limit is subject to the terms and conditions of the relevant Citibank Cardmember's Agreement(s).
  • The Citibank Ready Credit ("CRC") credit limit is the maximum credit limit permitted by Citibank in respect of which the current balance of your Citibank Ready Credit account must not exceed at any time and such credit limit is subject to the terms and conditions of the Citibank Ready Credit Customer's Agreement.
  • Review and revision of the combined Citibank Credit Card credit limit and/or Citibank Ready Credit credit limit is conducted at Citibank's absolute discretion. The maximum aggregate credit limit offered by Citibank in respect of unsecured credit facilities grated to an individual whose annual income is not less than $30,000 is: a) four times (4x) the individual's monthly income. b) such higher multiplier to the individual's monthly income as may be permitted under law. Where the individual has both Citibank Credit Card account(s) and Citibank Ready Credit account, Citibank will in its absolute discretion assign the maximum credit limit for each account. Citibank will in its absolute discretion, determine the credit limit based on income information provided and its credit and risk management policies.
  • If the combined CCC credit limit and/or the CRC credit limit is reduced pursuant to Citibank's review, and the current balance of all your CCC account(s) and/or your CRC account exceeds the revised credit limit assigned for the CCC account(s) and/or CRC account, you must immediately pay Citibank such excess amount in such manner as Citibank may in its reasonable discretion direct and Citibank may communicate this direction to you by any means it deems fit.
  • "Citibank" means Citibank Singapore Limited.