$300 JB Hi-Fi Gift Card When Existing Customers Access $5000 or More Credit within 3 Months ($149 Est. Fee) @ Citi Ready Credit

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dairy-coffee on 24/09/2024 - 16:46 www1.citibank.com.au (224 clicks)
Last edited 24/09/2024 - 16:58 by 1 other user

Received an email from Citibank for a ready credit offer - so assuming it is targeted but definitely try the link above.

The offer is $300 JB Hi-Fi Gift Card with the following conditions:

$149 establishment fee
6.9% p.a. interest for 5 years
Access above $5000 within 3 months minimum to be eligible for the offer
Same as other Citi Ready Credit deal, just need to maintain a debit balance until you receive the bonus gift card

A standard variable rate of 20.99% p.a. (22.49% p.a. effective 20 October 2024) applies to any unpaid balance transferred after 5 years and any purchases or cash advances during or after the promotional period.

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Citibank Australia

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  GloveBear on 24/09/2024 - 17:06

  how to maximise the benefit?

  • 

    HolyCr4p on 24/09/2024 - 17:32

    Keep spending

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  mickmac on 24/09/2024 - 18:31

  +1

  Got the same offer. Best way to maximise offer is to throw the 5k into your offset or high interest savings account, and pay it off at the 2 month mark. Probably around a 45% discount at the end.

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    GloveBear on 24/09/2024 - 20:32

    I've already throwed 12k durning last 6 months offer, save little but still expcting for the gift card to come. Thanks for sharing.

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  spiinl on 24/09/2024 - 18:36

  +3

  The establishment fee killed the deal.

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  janoski on 24/09/2024 - 18:56

  Does this stack with the Coles/velocity points offering I wonder.

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  MELso on 25/09/2024 - 07:26

  That's probably the worst offer of the promos available:

  70k Velocity here: https://www1.citibank.com.au/personal-loans/citi-ready-credi…
  50k Qantas here: https://www1.citibank.com.au/personal-loans/citi-ready-credi…
  100k Flybuys here ($500 at Coles or 50k Velocity): https://www1.citibank.com.au/personal-loans/ready-credit-fly…

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    Soapdroid on 03/10/2024 - 00:07

    Interesting those all have higher interest and establishment fees