Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate.

• SAVE with a low balance transfer rate
7.9% p.a.* for LIFE on balances you transfer† from non-Citibank credit cards, store cards and personal loans.

• SAVE with a low ongoing rate
14.99% p.a. on ANY purchases and cash advances. Use it for everyday purchases and cash withdrawals, and save even more.

• SAVE with none of the everyday transactional fees#
NO transaction, ATM/EFTPOS or cash advance fees# so even more money stays in your pocket.

• Have the freedom to buy what you want
With $5,000 to $25,000^ to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds.

• Convenient access with a Visa Debit Citicard
Use at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.

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If you have got got multiple debts and it feels like things are getting out of control or stressful then it may be wise to consider consolidating your existing debts. When you have outstanding balances on multiple credit cards or personal loans it's hard to know where to start in terms of paying the balances down. It also means you can't easily see exactly how much debt your in and how much your repayments are.

If this sounds like you then you may be able to simplify your finances and reduce stress with a debt consolidation loan.

• All your credit card and loan debts are consolidated into one loan making it easy to manage at all times
• May reduce the minimum repayments each month
• Pay a reduced interest rate compared to high rate credit cards

Information on this page is not designed as financial advice. What's best for you will depend on your personal circumstances. See application page for full product terms and conditions.