Citi Balance Transfer

Citi Balance Transfer on your Credit Cards or Ready Credit account helps you shrink your interest payments and maximize your interest savings substantially.

  • - Flexible monthly repayment, available in 6, 12 and 24 months

Minimum Payment

For Ready Credit: If the current balance on your Citi Ready Credit (“CRC”) account, including minimum payment due under any Citibank instalment loan programs (“CRC Outstanding Balance”) is less than S$50, the minimum payment amount shall be equivalent to the current CRC Outstanding Balance. If the CRC Outstanding Balance is more than or equal to S$50, the minimum payment shall be the higher of:
(i) Sum of 1% of CRC outstanding balance plus minimum payment due under any Citibank instalment loan programs, plus all other interest charges and late payment charges; or
(ii) S$50. 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.

For Credit Card:
Current Balance Minimum Payment
S$0 to <S$50 Current Balance
>=S$50 The minimum payment amount is specified in your statement of account and is computed by taking greater of –
(a) (i) 1% of the current balance; plus
(ii) 1% of any outstanding unbilled instalment amounts; plus
(iii) all interest charges (including interest charged under our instalment plans); plus
(iv) all upfront service fees for our instalment plans; plus
(v) late payment charges;
(b) S$50;
plus any overdue amounts.

Offer is subject to approval.

Citi Balance Transfer Program Terms and Conditions apply.

Apply for Citi Balance Transfer Now

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Our Citibank banking officer will give you a call by the next business day to complete the application. The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.

*Are you an existing Citibank customer?:

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Personal Details



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I have read and accepted the terms & conditions and Product Highlights*

* I confirm that I:

  1. am applying for the Citibank Balance Transfer
  2. have provided accurate and complete details about myself in this form;
  3. agree to the terms of Customer Declarations & Confirmation, Product Highlights; and

By proceeding, you agree that we may call/contact you regarding this offer and/or other Citibank lending offers and any calls that we make to you may be recorded for quality and training purposes. You also agree that any personal data that you provide to us may be used by us in accordance with our Citi Privacy Circular