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The card for all your cash needs - Citi Ready Credit

Citi Ready Credit - Instant Cash Advance Loans

Plan it your way



Free Premium Trolley Bag size 20” valued THB5,890 when applying for Citi Ready Credit online*

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Any expense made manageable with Ready Credit Card

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

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

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
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 Special 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


Celebrate your big day with funds for a dream wedding

Ongoing Ready Credit Promotions

Citibank customers happy to hear about Citi Year-Round-Promotions

Year-round promotions

Check out latest promotions

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Citibank customers exited to know about Paylite Instalment using Citibank Ready Credit Card.

0% PayLite Instalment

0% PayLite Instalment up to 40 months at participating stores

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Withdraw Cash with Citi Ready Credit and Get free E - Coupon valued up to THB 400*

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

Citi Ready Credit Acquisition Promotion Terms and Conditions:

  • Promotion valid from 1 April - 30 June 2022
  • 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 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, Brazil, New Zealand. 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 50 for the first cycle and THB 100 for the following cycle, Collection fee will not be charged, if your outstanding balance is less than THB 1000, Details of interest rate and fees are available at
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