Citi Ready Credit

Welcome to Citibank

Privileges for TISCO Personal Loan Customers Transferred to Citibank Only

Need a quick online loan?

Enjoy access to quick cash with Citi Ready Credit. Turn your available credit limit into an instant cash loan and bring your plans to life, whatever they might be. So, apply for one of the fastest cash loans online today.

Citi Ready Credit

Citi Ready Credit - Quick Cash Loans
  • 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 24 months

Citi Ready Credit - Quick Cash from Credit

Benefits - Fast Cash Loan


  • No ATM withdrawal fee for ATMs with these logos
  • No annual fee for life
  • No transfer fee
  • No payment charged at more than 10,000 payment channels across country


  • No collateral or guarantor required for Ready Credit application
  • Instant access to cash from ATMs nationwide and worldwide 24 hours a day, 7 days a week
  • Various payment channels across country. Once paid, the credit line is instantly replenished


  • Maximum revolving credit line up to five times of monthly income or 1,000,000 Baht
  • Temporary line increase service at 1588 CitiPhone Banking 24 hours a day
  • Offer various products for All Your Cash Needs such as ATM withdrawal, Click For Cash, Citibank PayLite

Cash Advance from ATM or Balance Transfer Program

Withdraw money with no withdrawal fee whenever and wherever you would like with Citi Ready credit. You can withdraw cash at any banks' ATMs nationwide or request cash via Balance Transfer program to be transferred to any of your bank account upon contacting 02-232-4288, with maximum revolving credit line up to 1,000,000 Baht.

Click for Cash

Order a lump-sum anytime. Whether you want a small or large lump sum, you can credit it to your account anytime, 24-hour. It gets even better as you can repay upto 48 monthly installments with preferential interest rate.

Citi PayLite

Enjoy 0% installment plan with Citi PayLite. 0% interest on any items over a short or long tenor up to 24 months. Or enjoy a longer loan repayment period up to 48 months.

Interest Calculation

Calculate interest from cash advance

  • Cash advance amount
  • Interest rate p.a.
  • Transaction date
  • Payment date
  • Interest per day


  • Number of days


  • Total interest


Acquisition Promotion

Free! Silver Supreme Trolley Bag size 26” valued
9,000 baht when spending at least 1 transaction wihtin 30 days of card approval

Subject to the Bank's terms and conditions

Please click here for promotion terms & conditions.

  • Promotion is only for unsecured loan customers transferred from TISCO
  • Promotion is valid from 1 June - 31 Dec 2018
  • Receive Silver Supreme Trolley Bag 26" valued 9,000 baht for customers who have at least 1 transaction of ATM withdrawal or at least 1 transaction of Citi PayLite within 30 days of card approval
  • Citi reserves the right to offer the premium only to persons who have card between Today - 31 Dec 2018
  • Citibank reserves the right to offer this promotion to individuals who have never been a Citi Ready Credit/ Citi Credit Card customer and prior customers that have cancelled their card membership for over 12 months (except Citi Prestige and Citi Royal Orchid Plus Preferred credit cards may participate in promotion)
  • Premiums, Reward points, and cash rebate are limited to one item per qualified primary card member
  • Premiums, Reward points, and cash rebate are non-refundable and non-transferable after Card member acknowledges receipt
  • Citibank reserves the right to change promotion or gift without prior notice
  • Citibank reserves the right to replace Trolley bags that are out of stock with a similar product of 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
How to Apply





Complete the short form and click "Submit"


Citibank Sales Agent will call you to confirm your application within a business day


  • Age: 20 years old and above
  • Thai citizen
  • Minimum monthly income is 15,000 Baht
Photocopy of ID Card / Government Official ID Card / Stated Enterprise ID Card Photocopy of Identification Card
Photocopy of home registration Photocopy of home registration
Current month Payroll slip/salary certification letter Photocopy of your company valid registration of your company valid registration
Bank Statement of Personal account (updated last 3 months) Bank Statement of Personal account (updated last 6 months)


  • 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/Click For 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.
  • 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%-28% 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
  • Earn more with click for cash.