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Ready Credit

Usage benefits

Citibank Ready Credit allows you access to money anytime for unrestricted end use like child's education, vacation, purchase of consumer durables, wedding expenses or simply retain as emergency cash. All this while ensuring that your savings remain intact.


Activation charge & Annual Fee

The Ready Credit facility is available to you at a one time activation charge of Rs. 500 payable at the time of opening the account. On renewal - at the end of each year- you will be required to pay an annual fee of 2% of the overdraft line subject to a maximum amount of Rs. 750.

Now go ahead and use what you deserve. For more information or to sign up for Ready Credit, please call:

Bangalore: 22272265 / 22272484
Chennai: 28522484
Delhi: 95-124-254-2265
Gurgoan: 2542484
Hyderabad: 55662484
Mumbai: 28232484
Pune: 4012484
Or mail us at or visit us at


Access Ready Credit through Debit Card, Cheque book or Citibank Online

The line would be set immediately on receipt of all the documents. Please contact CitiPhone or any of the regional managers for more details.

Repayments & Interest

Details on repayment period & Interest rates

Citibank provides you simple and convenient repayment options like an ECS/SI that you would sign at the time of account opening. The minimum repayment is 5% of the principal outstanding plus the interest accumulated for the month. You can however choose to pay more than the minimum due and the same can be easily achieved by calling CitiPhone or by an online transfer. You can also drop cheques/cash into your Ready Credit Account directly.

Ready Credit - Overdraft Facility

Details on modalities of the overdraft facility

The Ready Credit account is a simple and convenient overdraft facility that can be accessed anytime, anywhere through a personal privilege Card. Citibank Ready Credit account lets you repay your Credit Card bills, purchase consumer durables, plan expensive holidays and much more, with absolute ease.

If you haven't found an answer to your query, mail us at