Citibank

Citibank Ready Credit Balance Transfer

Repay your outstanding balances from other banks with your Ready Credit account in fixed monthly instalments.

    • Interest rate from 5.9% p.a.
    • Up to 48 months
    • No early termination fee
    • No setup fee

Low Interest Plans

Transfer your debt now to enjoy special low interest fees each month!

Citibank Ready Credit Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months5.9% p.a. and no one-time upfront handling feefrom RM1000
12 months5.9% p.a. and no one-time upfront handling feefrom RM1000
18 months5.9% p.a. and no one-time upfront handling feefrom RM1000
24 months5.9% p.a. and no one-time upfront handling feefrom RM1000
36 months5.9% p.a. and no one-time upfront handling feefrom RM1000
48 months5.9% p.a. and no one-time upfront handling feefrom RM1000

Fees & Charges

There are always fees but how much are they?

Early Termination Fee
None

How To Apply for Citibank Ready Credit Balance Transfer

Stay afloat in the vast ocean of your credit card debts

  1. Decide the credit you want to perform a balance transfer for - the required minimum balance is RM1,000 per card.
  2. Choose your replacement tenure from 6, 12, 18, 24, 30, 36 or 48 months.
  3. Call CitiPhone to apply or leave your contact in Citibank application form, their officer will call you back in next working day.

Frequently Asked Questions about Citibank Ready Credit Balance Transfer

Things you might want to know

Getting out of credit card debt is not the easiest thing to do. But a forgiving balance transfer plan is always helpful.

Experience Ready Credit

Apply for the Citibank Ready Credit Card and enjoy all the great benefits that come with it, including the opportunity to consolidate your debt. The Citibank Ready Credit Balance Transfer plan allows you to transfer all or parts of your outstanding balance beginning from RM1,000.

What are my options?

Well you have a fair few to choose from, depending on how much you transfer, take some time and choose a repayment tenure. This balance transfer offers you periods from 6 months up to 48 months, that’s four years of paying low interest rates.

Speaking of, the Ready Credit Balance Transfer offers a low interest rate of 5.9% per annum for ALL of those tenure periods, and no up-front handling fee ever.

Extra Fees?

Well there aren’t any extra up-front fees that you need to worry about. However, please take note that all your payments need to be made on time. This is to avoid paying any extra interest.

Or in the case that you haven’t made your payments for 3 consecutive months, you could be facing a bit of a dilemma where payment in full might be demanded from you.

So scratch the stress and settle your debts on time. You could even pay them off early, there is no early termination fee imposed on this plan. Therefore, be invited to debt free living in no time.

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