Citi Ready Credit
Plan it your way
Apply online! Free Trolley Bag size 20” and 0% interest rate in the first 3 cycles*
Any expense made manageable with Ready Credit Card
Convenient access to cash anytime anywhere with no withdrawal fee at any banks' ATMs nationwide
Convert your available credit to cash within 1 business day and with flexible installment plan up to 48 months
Greater financial flexibility with Citi PayLite installment plan, 0% interest installment payment up to 40 months
Cash Advance Amount
THB 10,000
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.
Ways to make your move:
Ongoing promotions
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
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How do I apply for Citi Ready Credit? -
What are the requirements? -
What is the maximum credit limit that can be approved? -
How do I use my Citi Ready Credit account? -
How much can I use? -
Are there any minimum repayments each month? -
Can I get an increase in my credit limit if I am in need of more funds? -
How is interest calculated? -
How do I make the payments? -
Are there any fees to pay? -
How do I request a new ATM pin or change ATM pin?
Citi Ready Credit Acquisition Promotion Terms and Conditions:
- Promotion is starting 1 April - 30 June 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