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  • We found 0 Citibank Ready Credit Card – For Secure and Fast Purchases
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    Citibank Ready Credit Card – For Secure and Fast Purchases

    Welcome to a card that is designed to give you a higher level of security and convenience when you use it to shop. Journey with us as we explore what this card stands for, what it offers, and how you can use it to its full potential.

    Check out These Card Benefits

    • Enhanced security to help you shop online more securely.
    • Go cashless with the contactless purchasing feature.
    • Get cash from more than 2 million ATMs in Singapore and around the world.

    Other Card Privileges

    • Exclusive shopping offers and deals for LiveUp members.
    • Offers on online shopping all throughout the year.
    • Dining offers at some of the best restaurants in the world.
    • A variety of exclusive offers from Mastercard.

    Related: Best Citibank Credit Cards

    Card Costs and Interest Rates

    We’ve put together what it will cost you to own this card along with the other pertinent interest rates and charges.

    Particulars Rate
    Annual Fee S$100 (waived for the first year)
    Prevailing Interest Rate 20.95% p.a. (minimum S$5)
    Prevailing Interest Rate for accounts in good standing 13.05% p.a.
    Past-due Interest Rate 23.95% p.a. or  26.95% p.a. depending on how many times your account is past due.
    Late Payment Charge S$100
    Over-limit Fee S$40

    Come, Explore the Benefits You Get

    Let’s dive in a little deeper and look at the card benefits in detail.

    Enhanced Security for Online Shopping

    The card features the 3D Secure facility – an additional layer of security to give you a better and safer experience when you shop online. Once you are done selecting the products you want to buy and provide your card information on the checkout section, you will be sent an OTP (One Time PIN). In order to complete the purchase, you need to provide this OTP. This helps verify that it is you indeed who is making the purchase and not someone else, thereby preventing unauthorised transactions.

    Cashless, Contactless Purchasing

    No cash, no problem. That seems to be the “modus operandi” of this card. You can now power through the checkout counter at any store that’s enabled to receive contactless payments via this card or through a mobile phone (Samsung Pay & Citi Pay). This is a secure and fast process, making it convenient for you to pay for your purchases. Simply tap to pay through your mobile phone and be on your way.

    Easy Access to Cash

    There will, of course, be a few situations where you will need to pay for your purchases in cash. In such cases, you can use this credit card to access more than 2 million ATMs both in Singapore and all over the world, and withdraw the cash you need.

    Read also: Best Citibank Credit Cards for Miles

    Privileges That Blow You Away

    The Citibank Ready Credit Card is loaded with features and privileges that are designed to give you nothing short of the best no matter where you go. From exclusive shopping deals to special global dining offers, online offers, and more, it gives you everything you need to have a truly global spending experience. Enjoy discounts and savings from time to time on renowned websites including Zalora, Lazada, Expedia, RedMart, and Shopee, to name a few.

    Exclusive Promotional Offer for LiveUp Members

    The card gives you access to a lifestyle membership programme courtesy of LiveUp. As a member of this programme, you get to make use of the offers that are available every now and then. Currently, till 30 April 2019, members will be able to get a rebate of 8% when they shop on Lazada.sg and Redmart.com using this card. The amount of rebate you can earn every month is limited to S$30 each on Lazada and RedMart purchases.

    Online Shopping Bonanza All Year Round

    If you love to shop online, this card just might make you squeal in happiness. It brings you a number of deals and offers that are available all through the year. Get discounts and special privileges when you shop at some of your favourite brands such as RedMart, Yoox, Zalora, foodpanda, LiveUp, and many more, and save money all throughout the year.

    Satisfy the Gourmand in You With Some Gastronomic Dining Offers

    Ah, food – probably the one thing that can give you satisfaction like nothing else can. People joke about it saying that the best way to a man’s heart is through his stomach. But looking at how much we seem to love food, this might be true after all. This credit card features the Citibank Gourmet Pleasures programme which gives you some of the best dining deals all over the world. From delicious discounts on your food bills, food vouchers that you can redeem at selected restaurants, and other privileges, you now get to save money while you eat your favourite dishes. Eat, save, repeat – it’s that simple (and that delicious).

    Mastercard Brings You a World of Exclusivity

    Mastercard offers you the chance to check out a number of global experiences that come with special rates and deals. If you’re a sports fan, check out the various sporting events around the world. If travelling, adventure, and entertainment shows are more of your thing, you get to enjoy them as well.

    Additional Reading: Citibank Singapore Credit Card Promotions for Dining

    Are You Eligible to Apply for the Card?

    You can apply for the Citibank Ready Credit Card if you fulfil the following criteria:

    • You’re at least 21 years old.
    • You’re a Singaporean Citizen or a Permanent Resident earning a minimum of S$30,000 per year.
    • You’re a foreigner earning at least S$42,000 every year.

    If you are eligible to apply, take a look at the documents you will have to submit along with your application.

    Salaried employees:

    • A photocopy of your NRIC or passport, and
    • CPF history statement for the last 12 months, or
    • Latest Income Tax Notice of Assessment, or
    • Your most recent payslip (computerised)

    Self-employed individuals:

    • A photocopy of your passport or NRIC, and
    • Bank statements for the last 3 months, and
    • Income Tax Notice of Assessment for the past 2 years.

    Foreigners:

    • A copy of your work permit and passport,
    • A copy of your bank statement or utility bill with your name and address on it,
    • Your most recent computerised payslip along with your latest notice of assessment of income tax.

    Before You Start Using Your Card, You Should Know These Things

    Here are a few things you should keep in mind before you start using this card. Being aware of these points will help you avoid unnecessary interest fees and charges, and also help you use your card to its full potential.

    • You can use this card to pay for purchases to the extent of the credit amount sanctioned for your Citibank Ready Credit account. This limit will also apply to the amount you can withdraw from ATMs.
    • If you want to use the card to get access to global privileges and use it for overseas transactions, you must first activate it for use abroad by contacting the bank.
    • There is a S$2,000 limit on your spends on this card on a daily basis. You can change this limit by getting in touch with the bank.

    The Citibank Ready Credit Card offers you a secure way to shop online, facilitates easier payments via the contactless payments feature, and helps you withdraw cash from tens of thousands of ATMs globally, apart from giving you access to offers and deals across categories such as dining, travel, entertainment, and more, worldwide. If these are the features you’re looking for in a credit card, this just may be the one for you.

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