{ "id": "citibank-quick-cash-welcome-rate-3-45-2026-11-10", "url": "https://spill.sg/p/citibank-quick-cash-welcome-rate-3-45-2026-11-10", "brand": "Citibank", "title": "Citi Quick Cash welcome rate from 3.45% p.a. (EIR 6.5%)", "summary": "New Citi credit card or Citibank Ready Credit account holders can take Citi Quick Cash at interest rates from 3.45% p.a. (effective 6.5% p.a.) with no processing fee, over 12 to 60 months.", "deal_type": "other", "badge": "3.45% p.a.", "price_sgd": null, "original_price_sgd": null, "start_date": null, "end_date": null, "time_note": null, "conditions": "New Citi credit card or Citibank Ready Credit account holders only; subject to approval; minimum annual income S$30,000 (Singaporean/PR) or S$42,000 (foreigner).", "details": [ { "heading": "Rates by tenure (nominal / effective p.a.)", "lines": [ "12 months: 3.56% / 6.50%", "24 months: 3.46% / 6.50%", "36 months: 3.45% / 6.50%", "48 months: 3.46% / 6.50%", "60 months: 3.48% / 6.50%" ] }, { "heading": "Loan terms", "lines": [ "No processing or admin fee", "Borrow up to 4x monthly income, or 8x with annual income of S$120,000 and above", "Funds paid next working day into a Citi account, up to 5 working days for other banks" ] }, { "heading": "Good to know", "lines": [ "Cancellation fee: S$100 or 3% of the outstanding loan, whichever is higher", "Apply via the Citi Mobile App or Citibank Online; 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