CITIBANK READY CREDIT CARD

Citibank Ready Credit Card

More than ready cash.

APPLY NOW Get Quick Cash Loans with Citibank Ready Credit Card

Citibank Ready Credit PayLite

Welcome offer: Promotional interest rate of 4.55% p.a. (EIR 8.50% p.a.)

LEARN MORE

BENEFITS

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Shop and get 1% Cash Rebate on all online and retail purchases.

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Transact Securely Online

Shop online with 3D Secure, an enhanced security feature to make your online shopping experience safer.

  • Make your selection and enter your card details at the checkout page.
  • A one-time pin will be sent to you for verification.
  • You are protected against unauthorised usage, making online transactions safer.
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Contactless Purchases

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

  • Fast, secure and convenient
  • Go cashless
  • Tap to pay with your mobile phone. FIND OUT MORE
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Access Cash Anytime Overseas

  • Withdraw cash at over 1.4 million ATMs locally and overseas.
  • Click here for ATM locations

Important Notes

Daily spending limit of S$2,000 (applicable to retail Point-of-Sale transactions), for Citibank Ready Credit Cards issued on and after 7 December 2014. You may revise the limit anytime, please visit us at www.citibank.com.sg/contact.

Double Swiping: The magnetic stripe on your credit or debit card contains sensitive payment card data. To protect your information, the magnetic stripe of your credit or debit card should not be swiped on Point-of-Sale readers or Electronic Cash Registers which is known as "double swiping". Inserting or dipping a chip-enabled credit or debit card in a payment card terminal for payment is not considered as double swiping. For more information on double swiping, please visit http://www.abs.org.sg/docs/library/abs_faq_double_swiping.pdf

Please note that in addition to ATM withdrawal functions, your Citibank Ready Credit Card allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) which shall be paid for by directly deducting the transaction amount from your Citibank Ready Credit account. Your Citibank Ready Credit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. For more information about Citibank Ready Credit Card, please refer to annexure or the Money Sense guidance:
http://www.moneysense.gov.sg/Understanding-Financial-Products/Banking-and-Cash/Types-of-Products-and-Services/Debit-Cards.aspx

PRIVILEGES

Love Bonito
Love Bonito
  • S$20 off with minimum spend of S$150
  • Valid till 28 Feb 2018
SHOP NOW T&Cs apply.
Shopee
Shopee
  • Up to 10% off sitewide.
  • Valid till 10 Oct 2018
SHOP NOW T&Cs apply.
VPost
VPost
  • 20% off shipments
  • Valid till 28 Feb 2018
SHOP NOW T&Cs apply.

Click here for more online shopping / lifestyle deals

Accor Hotels
Accor Hotels
  • Complimentary breakfast for up to 2 people when you book a room at Accor Hotels.
  • Valid till 31 May 2018.
SHOP NOW T&Cs apply.
Comfort Cab
Comfort Cab
  • Enjoy S$3 off plus no admin fee on your taxi bookings.
  • Valid on all Mondays till 25 Dec 2017.
SHOP NOW T&Cs apply.

Click here for more exclusive Mastercard offers


Important Notes

Daily spending limit of S$2,000 (applicable to retail Point-of-Sale transactions), for Citibank Ready Credit Cards issued on and after 7 December 2014. You may revise the limit anytime, please visit us at www.citibank.com.sg/contact.

Double Swiping: The magnetic stripe on your credit or debit card contains sensitive payment card data. To protect your information, the magnetic stripe of your credit or debit card should not be swiped on Point-of-Sale readers or Electronic Cash Registers which is known as "double swiping". Inserting or dipping a chip-enabled credit or debit card in a payment card terminal for payment is not considered as double swiping. For more information on double swiping, please visit http://www.abs.org.sg/docs/library/abs_faq_double_swiping.pdf

Please note that in addition to ATM withdrawal functions, your Citibank Ready Credit Card allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) which shall be paid for by directly deducting the transaction amount from your Citibank Ready Credit account. Your Citibank Ready Credit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. For more information about Citibank Ready Credit Card, please refer to annexure or the Money Sense guidance:
http://www.moneysense.gov.sg/Understanding-Financial-Products/Banking-and-Cash/Types-of-Products-and-Services/Debit-Cards.aspx

ELIGIBILITY

  • Age

    21 years old & above

  • Singaporeans & PRs

    Minimum annual income of S$30,000

  • Foreigners

    Minimum annual income to qualify is S$42,000

Salaried employee:

A copy of your NRIC/passport, latest original computerized payslip or Tax Notice of Assessment or last 12 months CPF statement.

SUBMIT YOUR CPF

Self-employed:

A copy of your NRIC/passport, last 2 years' Income Tax Notice of Assessment and last 3 months' bank statements.

Foreigners:

A copy of your passport and work permit, a copy of utility or telephone bill or bank statement with applicant's name and address, Income Tax Notice of Assessment and latest original computerised payslip.

Annual fee:

S$80 (First year annual fee waived)

Interest, Other Fees and Charges:

FIND OUT MORE

Important Notes

Daily spending limit of S$2,000 (applicable to retail Point-of-Sale transactions), for Citibank Ready Credit Cards issued on and after 7 December 2014. You may revise the limit anytime, please visit us at www.citibank.com.sg/contact.

Double Swiping: The magnetic stripe on your credit or debit card contains sensitive payment card data. To protect your information, the magnetic stripe of your credit or debit card should not be swiped on Point-of-Sale readers or Electronic Cash Registers which is known as "double swiping". Inserting or dipping a chip-enabled credit or debit card in a payment card terminal for payment is not considered as double swiping. For more information on double swiping, please visit http://www.abs.org.sg/docs/library/abs_faq_double_swiping.pdf

Please note that in addition to ATM withdrawal functions, your Citibank Ready Credit Card allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) which shall be paid for by directly deducting the transaction amount from your Citibank Ready Credit account. Your Citibank Ready Credit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. For more information about Citibank Ready Credit Card, please refer to annexure or the Money Sense guidance:
http://www.moneysense.gov.sg/Understanding-Financial-Products/Banking-and-Cash/Types-of-Products-and-Services/Debit-Cards.aspx

FAQs

Citibank Ready Credit Card

  • You will enjoy 1% base cash rebate on all online and retail purchases charged to your Citibank Ready Credit Card. No maximum Cash Rebate* amount, nor minimum amount that you need to accumulate before receiving the Cash Rebate* credits. Any Cash Rebate* you earn in your current month's statement will be credited to your following month's statement.
  • Exciting shopping, travel and dining privileges, including our renowned Gourmet Pleasures programme.
You need to have an existing Citibank Ready Credit account to apply for the Citibank Ready Credit Card. To apply for the Citibank Ready Credit account, applicants must be aged 21 years and above, and satisfy the following minimum annual income requirement:
• S$30,000 for Singaporeans and PRs
• S$42,000 for foreigners
You can use your Citibank Ready Credit Card at any online and retail stores locally and overseas which has the Mastercard point-of-sale debit payment functionality.
You can use the Citibank Ready Card to pay for your retail and online purchases up to the credit limit available on your Citibank Ready Credit account. The same limit will be applicable for your ATM withdrawal, cheque usage, online fund transfer and bill payments etc on your credit line.
As long as you have an outstanding balance in your account, the effective interest rate applicable on your account will apply and this is calculated daily based on the outstanding debit balance at the end of each day.

There is a minimum interest charge of S$5.00 per month if you have any outstanding debit balance within the month.

Yes, first you must activate the overseas usage feature on your Credit/ATM/Debit Card(s) to enjoy your global privileges. Please note that overseas usage de-activation for Citibank Ready Credit Cards will only disable overseas ATM cash withdrawals and point-of-sale (POS) magnetic stripe transactions. POS EMV Chip transactions will not be disabled. To activate/de-activate click here.

Yes, there is a daily spending limit of S$2,000 on the Citibank Ready Credit Card that is issued on and after 7 December 2014 (applicable to retail Point-of-Sale transactions).

Yes, you may change your daily spending please visit us at www.citibank.com.sg/contact.

Important Notes

Daily spending limit of S$2,000 (applicable to retail Point-of-Sale transactions), for Citibank Ready Credit Cards issued on and after 7 December 2014. You may revise the limit anytime, please visit us at www.citibank.com.sg/contact.

Double Swiping: The magnetic stripe on your credit or debit card contains sensitive payment card data. To protect your information, the magnetic stripe of your credit or debit card should not be swiped on Point-of-Sale readers or Electronic Cash Registers which is known as "double swiping". Inserting or dipping a chip-enabled credit or debit card in a payment card terminal for payment is not considered as double swiping. For more information on double swiping, please visit http://www.abs.org.sg/docs/library/abs_faq_double_swiping.pdf

Please note that in addition to ATM withdrawal functions, your Citibank Ready Credit Card allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) which shall be paid for by directly deducting the transaction amount from your Citibank Ready Credit account. Your Citibank Ready Credit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. For more information about Citibank Ready Credit Card, please refer to annexure or the Money Sense guidance:
http://www.moneysense.gov.sg/Understanding-Financial-Products/Banking-and-Cash/Types-of-Products-and-Services/Debit-Cards.aspx


Terms and Conditions:
  • Click here for Citibank Ready Credit Customer's Agreement.