# Citibank: Citi Quick Cash welcome rate from 3.45% p.a. (EIR 6.5%)

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: 3.45% p.a. (Deal)
- When: Ongoing since 10 Nov
- Status on 2026-11-12: undated
- Category: Cards & Banks
- 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).
- Promotion page: https://www1.citibank.com.sg/loans/quick-cash-loan#:~:text=interest%20rates%20as%20low%20as%203.45%25
- Menu / poster (PDF): https://www.citibank.com.sg/global_docs/pdf/rc/rcpl_dual_terms_and_conditions.pdf
- Where: Not stated

## Details

### Rates by tenure (nominal / effective p.a.)
- 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%

### Loan terms
- 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

### Good to know
- Cancellation fee: S$100 or 3% of the outstanding loan, whichever is higher
- Apply via the Citi Mobile App or Citibank Online; new customers need NRIC/passport and income documents
- No end date shown on the page

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/citibank-quick-cash-welcome-rate-3-45-2026-11-10
- Add to calendar: https://spill.sg/p/citibank-quick-cash-welcome-rate-3-45-2026-11-10/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=Citibank%3A+Citi+Quick+Cash+welcome+rate+from+3.45%25+p.a.+%28EIR+6.5%25%29&dates=20261112%2F20261113&details=New+Citi+credit+card+or+Citibank+Ready+Credit+account+holders+can+take+Citi+Quick+Cash+at+interest+rates+from+3.45%25+p.a.+%28effective+6.5%25+p.a.%29+with+no+processing+fee%2C+over+12+to+60+months.%0ANo+end+date%0ANew+Citi+credit+card+or+Citibank+Ready+Credit+account+holders+only%3B+subject+to+approval%3B+minimum+annual+income+S%2430%2C000+%28Singaporean%2FPR%29+or+S%2442%2C000+%28foreigner%29.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fcitibank-quick-cash-welcome-rate-3-45-2026-11-10&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=Citibank%3A+Citi+Quick+Cash+welcome+rate+from+3.45%25+p.a.+%28EIR+6.5%25%29&body=New+Citi+credit+card+or+Citibank+Ready+Credit+account+holders+can+take+Citi+Quick+Cash+at+interest+rates+from+3.45%25+p.a.+%28effective+6.5%25+p.a.%29+with+no+processing+fee%2C+over+12+to+60+months.%0ANo+end+date%0ANew+Citi+credit+card+or+Citibank+Ready+Credit+account+holders+only%3B+subject+to+approval%3B+minimum+annual+income+S%2430%2C000+%28Singaporean%2FPR%29+or+S%2442%2C000+%28foreigner%29.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fcitibank-quick-cash-welcome-rate-3-45-2026-11-10&location=&startdt=2026-11-12&enddt=2026-11-13&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/citibank-quick-cash-welcome-rate-3-45-2026-11-10?save=1&remind=1

_From Spill. Source: www1.citibank.com.sg. Terms can change._