More than ready cash

Be it temporary or emergency financial needs, you can now enjoy peace of mind and greater financial flexibility with your Citibank Ready Credit.

Actual product may vary from picture shown above

Citi Quick Cash^


Welcome Offer: Enjoy interest rate from as low as 3.45% p.a. (EIR 6.50% p.a.) by converting your available credit limit to a cash loan with Citi Quick Cash^
Actual product may vary from picture shown above
Attractive Interest of 20.95% p.a.
Actual product may vary from picture shown above
Flexible line of credit up to 4X your monthly income or up to 8X your monthly income if your annual income is S$120,000 and above. Subject to Bank’s approval+.
Actual product may vary from picture shown above
Shop with Citibank Ready Credit Card

• Transact securely online.

• Contactless purchases.

FIND OUT MORE >

Actual product may vary from picture shown above

Convenient Bill Payment

Pay your bills online, securely and conveniently.
Actual product may vary from picture shown above

Balance Transfer

Get more savings when you transfer outstanding balances on any other bank’s credit card or credit line to your Citibank Ready Credit account.

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Interest Savings Calculator

Usage Amount:
Maximum S$999,999,999

Citibank Ready Credit

Interest Rate: 20.95% p.a.

Citibank Ready Credit

Interest payable (for 30 days):

S$86.10

Other Bank's Credit Card

Interest Rate: 25% p.a.

Credit Card

Interest payable (for 30 days):

S$102.74
Total Savings
S$16.64
Above figures have been simplified for illustrative purposes.
Welcome Offer: Enjoy interest rate from as low as 3.45% p.a. (EIR 6.50% p.a.) by converting your available credit limit to a cash loan with Citi Quick Cash^
Find Out More
Citibank Ready Credit
Enjoy better financial flexibility with Citibank Ready Credit.
Welcome Offer

Did you know that you can complete your application twice as fast if you’re a Singpass holder?

Welcome Offer

For new to Citi customers taking a minimum loan amount of $20,000:

Tenure (months) 12 24 36 48 60
Nominal Interest Rates (per annum) 4.11% 4.00% 3.99% 4.01% 4.05%
Processing Fee (%) 0.00% 0.00% 0.00% 0.00% 0.00%
Effective Interest Rates (per annum) 7.50% 7.50% 7.50% 7.50% 7.50%
Nominal Interest Rates (per annum)
Tenure 12 months:
0.00%
Tenure 24 months:
4.00%
Tenure 36 months:
3.99%
Tenure 48 months:
4.01%
Tenure 60 months:
4.05%
Processing Fee (%)
Tenure 12 months:
3.50%
Tenure 24 months:
0.00%
Tenure 36 months:
0.00%
Tenure 48 months:
0.00%
Tenure 60 months:
0.00%
Effective Interest Rates (per annum)
Tenure 12 months:
7.85%
Tenure 24 months:
7.50%
Tenure 36 months:
7.50%
Tenure 48 months:
7.50%
Tenure 60 months:
7.50%

For new to Citi customers taking a loan amount of less than $20,000:

Tenure (months) 12 24 36 48 60
Nominal Interest Rates (per annum) 5.22% 4.82% 4.55% 5.72% 5.79%
Processing Fee (%) 0.00% 0.00% 0.00% 0.00% 0.00%
Effective Interest Rates (per annum) 9.50% 9.00% 8.50% 10.50% 10.50%
Nominal Interest Rates (per annum)
Tenure 12 months:
0.00%
Tenure 24 months:
4.82%
Tenure 36 months:
4.55%
Tenure 48 months:
5.72%
Tenure 60 months:
5.79%
Processing Fee (%)
Tenure 12 months:
3.50%
Tenure 24 months:
0.00%
Tenure 36 months:
0.00%
Tenure 48 months:
0.00%
Tenure 60 months:
0.00%
Effective Interest Rates (per annum)
Tenure 12 months:
7.85%
Tenure 24 months:
9.00%
Tenure 36 months:
8.50%
Tenure 48 months:
10.50%
Tenure 60 months:
10.50%

Note: Loans with 0% interest rate with upfront service fee option are available.
Upon approval, the funds will be deposited within the next working day into your Citibank account or up to 5 working days for non-Citibank account.


Cancellation fee:
3% of outstanding unbilled principal amount or S$100 whichever is higher.

The promotions, products and services mentioned in this webpage are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. The content of this webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products or services mentioned herein to such individuals.

Singaporeans/PRs Foreigners
Minimum annual income of S$30,000 Minimum annual income of S$42,000

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
  • 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
Singaporean/PRs
Minimum annual income of S$30,000

For Salaried Employees:

  • A copy of your NRIC/Passport
  • Latest original computerised payslip or Tax Notice of Assessment or last 12 months’ CPF statements via CPF web-link


For Self-Employed:

  • A copy of your NRIC/Passport
  • Last 2 years' Income Tax Notice of Assessment
  • Last 3 months' bank statements
Foreigner
Minimum annual income of S$42,000
  • A copy of your passport and work permit (with minimum 6 months validity)
  • A copy of utility/telephone bill or bank statement with your name and address
  • Income Tax Notice of Assessment and latest original computerised payslip
Apply for Citi Quick Cash from your Citi Credit Card or Citibank Ready Credit Account via the Citi Mobile® App.
1
1
Log in to the Citi Mobile® App.
1
2
Select Credit Card / Ready Credit (“Credit Line” in the dashboard) and tap “Get Citi Quick Cash”.
1
3
Key in the amount of cash you need and select Repayment Plan.
1
4
Select your Citi account to receive your loan proceeds instantly, or if you prefer another bank of your choice, key in the details.
1
5
Review and confirm your
Citi Quick Cash and tap “Get cash now”.
1
6
Your funds will be deposited within the next working day into your Citibank account or up to 5 working days for non-Citibank account.

Frequently Asked Questions

Citibank Ready Credit

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 Citibank Ready Credit (“CRC”) balance, interest, late payment charges, Citi Quick Cash (“QC”) minimum payment, whichever is greater. If your CRC account current balance, including any QC minimum payment, (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.
  • At any SAM or SAMPLUS machine.
  • Via the Citi Mobile® App.

*Service fee of S$10.70 (inclusive of 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$100 (first year waiver). For interest, other fees and charges, please click here.

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

Important Note:

The promotions, products and services mentioned in this webpage are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. The content of this webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products or services mentioned herein to such individuals.

Terms and Conditions

+Terms and Conditions apply.

^Citi Quick Cash is drawn from your available credit limit from your Citi Credit Card or Citibank Ready Credit account.

> Click here to view Citi Quick Cash Terms and Conditions

> Click here to view Citi Quick Cash Terms and Conditions (Revision from 08 July 2021)


Click here for Citibank Ready Credit Customer’s Agreement.


New to Citi? Receive S$100 when you apply now.New to Citi? Receive S$100 when you apply now.
Welcome Offer: Enjoy interest rate from as low as 3.45% p.a. (EIR 6.50% p.a.) by converting your available credit limit to a cash loan with Citi Quick Cash^