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Any expense made manageable with Ready Credit Card

Cash-advance-at-ATM
Cash advance at ATM


Convenient access to cash anytime anywhere with no withdrawal fee at any banks' ATMs nationwide

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Readily-available-cash-with-Citi-Quick-Cash
Readily available cash with Citi Quick Cash

Convert your available credit to cash within 1 business day and with flexible installment plan up to 48 months

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Installment-plan-with-Citi-PayLite
Installment plan with Citi PayLite


Greater financial flexibility with Citi PayLite installment plan, 0% interest installment payment up to 40 months

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Cash Advance Amount

THB 10,000
10000
THB 0
THB 1,000,000
Interest rate 24% p.a Interest per day: 6.58 Total Interest: 0
Interest rate 25% p.a Interest per day: 6.85 Total Interest: 0
Citi-Ready-Credit-Acquisition-Promotion

Special Promotion

Special Deal! 0% interest rate for cash withdrawal in the first 3 billing cycles

 Plus Free! Premium Trolley Bag size 20” valued THB 5,890 for Citi Ready Credit online applicants

  Subject to the Bank's terms and conditions

  Please click here for promotion terms & conditions.

 

Get your offer

Ways to make your move:


A couple hugging in joy while renovating their house with Citi Ready Credit Cash card

Home improvement

Turn your house into a home with funds you need

A happy family who managed to have their vacation with Citi Ready Credit Cash card

Family vacation

Take a well deserved break with the people who matter the most

A newly married couple who managed to have their dream wedding with Citi Ready Credit cash card

Wedding

Celebrate your big day with funds for a dream wedding

Ongoing promotions


Year-Round-Promotions

Year-round promotions

Check out latest promotions

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PayLite-Instalment

0% PayLite Instalment

0% PayLite Instalment up to 40 months at participating stores

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Special Promotion

Get Free food, beverage or e-coupon from participating stores

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Age requirement
20 years old and above
 

Citizenship eligibility
Thai citizen
 

Minimum salary requirement
15,000 Baht


Please submit the following:

For salaried:

  • Photocopy of ID Card / Government Official ID Card / Stated Enterprise ID Card
  • Current month Payroll slip/salary certification letter
  • Bank Statement of Personal account (updated last 3 months)


For self-employed:

  • Photocopy of Identification Card
  • Bank Statement of Personal account (updated last 6 months)
  • Photocopy of your verified corporate registration
     

  • How do I apply for Citi Ready Credit?

    Click here to apply now.

  • What are the requirements?

    Eligibility

    - Age: 20 years old and above

    - Thai citizen

    - Minimum monthly income is THB 15,000

    Required document

    For salaried:

    - Photocopy of ID Card / Government Official ID Card / Stated Enterprise ID Card

    - Current month Payroll slip/salary certification letter

    - Bank Statement of Personal account (updated last 3 months)

      For self-employed:

      - Photocopy of Identification Card

      - Bank Statement of Personal account (updated last 6 months)

      - Photocopy of your verified corporate registration

      • What is the maximum credit limit that can be approved?

        For monthly income less than THB 30,000

        Maximum revolving credit line up to 1.5 times of monthly income

        For monthly income THB 30,000 and above

        Maximum revolving credit line up to 5 times of monthly income or THB 1,000,000

      • How do I use my Citi Ready Credit account?

        Citi Ready Credit: 3 conveniences, making life easy

        • Withdraw money anywhere. Whenever or where ever you want cash, you can withdraw cash at any bank's ATMs.
        • Order a lumpsum anytime. Whether you want a small or large lumpsum, you can ask for it to be transferred to your account anytime.
        • Installment buying with Citi PayLite. Choose to do either short or long tenor installment buying on selected items with 0% interest through Citi PayLite.
      • How much can I use?

        Maximum withdrawal 5 times a day or THB 100,000.

      • Are there any minimum repayments each month?

        Pay a minimum of 1% of the transfer amount

      • Can I get an increase in my credit limit if I am in need of more funds?

        Click here to view details.

      • How is interest calculated?

        Interest starts from 24% to 25% per annum. 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.

      • How do I make the payments?

        Payment for your Ready Credit card spending should be made by the due date indicated on your monthly statement. Simply choose the payment method you find most convenient from various online and offline payment channels. For more details, please visit https://citi.asia/THsccBeB

      • Are there any fees to pay?

        - No withdrawal fee at any banks' ATMs nationwide

        - No transfer fee to your account

        - Interest start from 24% to 25% per annum when aggregated with interest, fines, service charges, fee and commissions

        - Payment fee: THB 0-50 depends on payment channels

        - Fee for issuing new card in case of loss/damage (in case of card for cash withdraw): THB 200 

        - Application fee for each statement report (from the second copy onwards): THB 50

        - Collection fee: THB 100 / Billing cycle

      • How do I request a new ATM pin or change ATM pin?

        Ready Credit customers can request a new ATM pin or change ATM pin through

        Citibank Online

        1. Go to Citibank Online website at www.citibank.co.th

        2. Choose “My Profile” menu

        3. Choose the “change ATM PIN” from the left menu

        4. Enter One-Time PIN received via SMS to your primary mobile number

        5. Select the card that you want to change the ATM PIN

        6. Enter your old and new ATM PIN

        7. Successfully changed your ATM PIN

        CitiPhone Banking

        1. Call 1588 Press 2 for English

        2. Enter Account number, Card number or National ID

        3. Press 1 to enter date of birth (ddmmyyyy) then Press # to continue

        4. Press 3 for Telephone PIN and ATM PIN change

        5. Press 3 setting new ATM PIN for Citi Ready Credit, then enter the 4 digits T-PIN number

        6. Press 1 to request for new OTP and press 1 to confirm receiving OTP

        7. Enter the 6 digits OTP

        8. Enter the desired ATM PIN

        Note:

        *In case you do not have T-PIN, please press 0 to request T-PIN from CitiPhone Banking officer. Once completed, the call will be routed to steps above.

      Citi Ready Credit Acquisition Promotion Terms and Conditions:

      • Promotion is starting 1 July - 30 September 2021.
      • Enroll for eStatement by the first cycle
      • Receive 0% interest rate offer (ATM withdrawal) for first 3 consecutive billing. This is applicable for less than THB 50,000 outstanding balances. For over THB 50,000  outstanding balances, card will be charged the normal interest rate. Note that after first 3 consecutive billing, card will be charged the normal interest rate as well
      • Receive Premium Trolley Bag size 20” valued THB 5,890 for customers who have over THB 5,000 of ATM withdrawal or at least 1 transaction of Citi PayLite/Call for Cash or Citi PayAll within 60 days after card issuance
      • The bank has a right to offer the bag to Ready Credit applicants who give us their email address only
      • Bank will send redemption code via SMS to redeem trolley bag through www.extraredeem.com Customer will be able to fill in personal details when spending according to bank's criteria.
      • Code is Valid for 1 redemption only.
      • Citibank reserves the right to offer this promotion only to those who have never been a Citi Credit Card/Ready Credit member and/or who have cancelled their membership with Citi Credit Card/Ready Credit for more than 12 months. This condition does not apply to Citi Prestige and Citi Royal Orchid Plus Preferred credit card members who have paid upfront annual fee.
      • Premiums, reward points, and cash rebate will be uploaded within 4-8 weeks according to the terms and conditions
      • Premiums, reward points, and cash rebate are limited to one item per qualified primary card members
      • Premiums, reward points, and cash rebate are non-refundable and non-transferable after Card member's acknowledgement
      • Citibank reserved the right to change promotion or gift without earlier information
      • Citibank reserved the right to change stock-out premium with the same value without prior notice
      • In the event of disputes, Citibank has the absolute right to make the final decision
      • Please check promotion details prior to applying
      • The products and services mentioned in this application 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. This application is not, and should not be construed as, an offer, invitation or solicitation to apply for any of the Citi Credit Card and other services mentioned herein to such individuals.
         

      Citi Ready Credit Product Details:

      • Benefit Book, please click
      • Terms and conditions, Please click
      • For overseas withdrawal, transaction fee is waived for Citibank ATMs worldwide, except Citibank ATMs in Australia, Costa Rica, El Salvador, Guatemala, Honduras, Panama, Paraguay, Uruguay, Peru and Kazakhstan. Country coverage may subject to change. Citibank reserves the right to modify the list without prior notice. Withdrawal from non Citibank's ATM may subject to transaction fee, depending on respective banks.
      • Call For Cash/Quick Cash applicants must comply the bank's terms and conditions and/or Citi Ready Credit loan agreement such that the Call For Cash/Click For Cash product is under Citi Ready Credit's credit limit. The bank will exempt pre-termination fee for the applicant who complete at least 12 monthly payment.
      • The bank will exempt pre-termination fee for the applicant who complete at least 12 monthly payment.
      • Citibank has the right to change or cancel any special campaign without preemptive announcement. All changes and announcements solely depend on the bank's decision.
      • Interest rate including penalty fees and other service charges at 24%-25% per annum (effective rate), Payment fee based on the points of service providers from THB 0 to 50, Card replacement fee in case of loss/damage of THB 200, Statement re-issuing fee of THB 50, Collection fee of THB 100/Billing Cycle, Details of interest rate and fees are available at www.citibank.co.th
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