- Low ongoing retail purchase rate of 14.99% p.a.
- Annual fee of $149 with up to 4 free additional cardholders.
- 15% off Limited Time LUX Exclusive hotels (MYLUXPROMO) and 10% off international tours (MYLUXTOURS10) until 1 Mar 2026.
- 5% off international flights on Trip.com (AUSFLY5) — book by 31 Dec 2025, travel by 30 Sep 2026. 10% off hotels with Expedia (EXP10TRVL) or Wotif (WOT10TRVL) — book by 31 Jan 2026, stay by 30 Jun 2026.
- $10 cashback each month with BINGE until 31 Oct 2025.
- Complimentary insurances: Purchase Cover, Extended Warranty, Mobile Phone Protection.
- Apple Pay, Samsung Pay and Google Pay enabled.
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Citi Credit Cards
Citi Clear Credit Card
Updated 16 September 2025
Citi Clear Credit Card keeps things simple — with a low 14.99% p.a. purchase rate, affordable annual fee, and plenty of extras. You’ll unlock travel discounts on hotels, tours, and flights, receive $10 cashback each month with BINGE, and get complimentary Purchase Cover, Extended Warranty and Mobile Phone Insurance.
T&Cs apply. Interest rates, fees and eligibility criteria may change. Always read the PDS and terms before applying.
Purchase Rate (p.a)
14.99%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$149
Pros and cons
- No introductory balance transfer or purchase offers.
- Does not earn rewards points.
- Best value comes if you use the travel perks, BINGE cashback and insurance benefits.
Creditcard.com.au review
Editor Review
Citi Clear Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
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Editor's Review: Citi Clear Credit Card
The Citi Clear Credit Card has moved beyond its old balance-transfer focus and is now a low-rate, value-packed card for everyday spending. Its 14.99% p.a. purchase rate is one of the lowest standard rates from a major issuer, and the $149 annual fee is reasonable for a card that also gives you travel, entertainment and protection benefits.
One of the highlights is its lifestyle savings:
- Luxury Escapes: 15% off Limited Time LUX Exclusive hotels (up to $250) using MYLUXPROMO, plus 10% off international tours (up to $250) with MYLUXTOURS10. Valid until 1 March 2026.
- Trip.com flights: Save 5% on international flights departing Australia with code AUSFLY5. Book by 31 December 2025, travel by 30 September 2026.
- Expedia & Wotif: Enjoy 10% off selected hotels with codes EXP10TRVL (Expedia) or WOT10TRVL (Wotif). Book by 31 January 2026 and complete your stay by 30 June 2026.
- BINGE cashback: Get $10 cashback every month on Standard or Premium subscriptions until 31 October 2025.
The Citi Clear also offers solid complimentary insurance — Purchase Cover, Extended Warranty, and Mobile Phone Insurance — giving you peace of mind on eligible purchases (cover up to $1,000 per claim, $1,650 annual limit, $50 excess).
Other handy features include up to four additional cardholders at no extra cost, support for Apple Pay, Samsung Pay and Google Pay, and up to 44 interest-free days on purchases when you clear the balance each month.
Bottom line: If you want a simple credit card with a consistently low rate and practical extras — without paying for a rewards program you don’t need — the refreshed Citi Clear is a smart choice.
What's not so great
There’s no introductory balance transfer or purchase promotion anymore, and the card doesn’t earn rewards points. To get full value from the annual fee, make sure you take advantage of the travel discounts, BINGE cashback and insurance benefits.
Overall Rating
The Citi Clear card is a low-maintenance option: it combines a competitive ongoing rate with perks you can actually use. For shoppers who want a safety net and travel/entertainment deals but don’t care about points, it stands out as one of the better-value low-rate cards in the market.
User reviews
Rates and fees
Interest rates
Purchase rate 14.99% p.a.
Cash advance rate 22.24% p.a.
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit $2,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $149 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3.4%
Minimum repayment 2% or $30 whichever is greater
Cash advance fee 3.5% or $3.50, whichever is greater (Domestic); $5 (International)
Late payment fee $30
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Mobile Phone Insurance
Overview
Citi Clear Credit Card
Citi Clear Credit Card is designed for everyday value. It offers a low ongoing purchase rate of 14.99% p.a., a competitive annual fee, and a range of money-saving extras. You’ll enjoy discounts on hotels, tours, and flights, cashback on BINGE, and complimentary insurances — all while keeping card costs down.
Key features
- Low retail purchase rate: 14.99% p.a. on purchases.
- Annual fee: $149, with up to 4 additional cardholders at no extra cost.
- Luxury Escapes: 15% off Limited Time LUX Exclusive hotels (up to $250) using MYLUXPROMO, plus 10% off international tours (up to $250) with MYLUXTOURS10. Valid until 1 Mar 2026.
- Trip.com flights: Save 5% on international flights from Australia with AUSFLY5. Book by 31 Dec 2025, travel by 30 Sep 2026.
- Hotels on Expedia & Wotif: 10% off selected hotels – use EXP10TRVL (Expedia) or WOT10TRVL (Wotif). Book by 31 Jan 2026, stay by 30 Jun 2026.
- BINGE cashback: $10 back each month on Standard or Premium subscriptions, available until 31 Oct 2025.
- Insurances: Complimentary Purchase Cover, Extended Warranty and Mobile Phone Insurance (up to $1,000 per claim, $1,650 annual limit, $50 excess).
- Payment options: 44 interest-free days on purchases when you pay in full; compatible with Apple Pay, Samsung Pay and Google Pay.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question131 questions (showing the latest 10 Q&As)
Citi clear card enquiry. If I have personal loan, can I transfer the money from this credit card to the personal loan account? also, if I do that, what will be the interest rate?
Hi Aishwarya, you’re in luck! The Citi Clear Credit Card is one of a handful that allows balance transfers from personal loans. It currently has a 0% p.a. balance transfer for 24 months which you can use to help pay off your personal loan. Just watch out for that balance transfer fee! Thanks!
How do I appky?
Hi Margaret, we’re currently not partnered with the Citi Clear credit card but you can head over to their official website to apply. Alternatively, you can check out some of the other balance transfer cards for more options.
I would like to apply for a credit card
Hi Faye, you’re actually on Creditcard.com.au, Australia’s leading credit card comparison site. You can check some of the different credit cards listed on our site for options. Thanks
Hi There, I was told that Citi can balance transfer from lines of Credit such as Zip Pay and Zip Money? Can I please confirm that?
Hi Joshua, we’ve been told by Citi that they accept balance transfers from accounts with a BSB and Account number or a BPAY Biller Code. You could give them a call or use the online chat to confirm. I’ve generally found them easy to get in touch with. Thanks!
I would like to take advantage of the 0% for 28 months on the citi clear card. If i transfer $6000 from commonwealth bank. if i pay the card off before the 28 months and dont use it to purchase anything - what is the total amount of fees i will be charged?
Hi Michelle, good question! If you transfer $6000 to the Citi Clear Card and pay it off within the 28 months promo period without making any purchases, you'll generally be charged a one-time balance transfer fee upfront which is $60 (1% of the balance transfer amount). I'd recommend checking with Citi directly for the specific fee details based on your transfer amount before proceeding with your application.
Hi Pauline. I’m looking at applying for a balance transfer card, can you please tell me if Zippay/Zipmoney and a small personal loan would be possible to transfer to this card? Thankyou!
Hi Courtnie, interesting question! I looked into this for you and found that Citi is actually one of the few financial institutions that allows balance transfers from personal loans and lines of credit (e.g. Zip Pay). Just make sure you have the biller code when you put in your balance transfer request upon application. I’ve written a detailed guide on transferring BNPL debt that will give you more information.
I submitted a reassessment for my application Ref: 20230914004756270 as I had incorrectly input my expenses value. I have yet to receive a response.
Hi Collette, you’ve actually reached Creditcard.com.au, Australia’s top credit card comparison site. I suggest calling Citi directly at 13 24 84 to check on the status of your application.
I was looking at a Citibank Clear Credit card for the purpose of transferring the balance from another bank's credit card (current 28 month offer). However I am a self funded retiree. Can I just confirm or otherwise that I would not be eligible for this card because I am not receiving a regular income from eg employment? Thank you.
Hi Jeff, Citi lists self-funded retirees in its eligibility criteria, as long as you can show proof of income. You can find the details on our Credit Cards for Pensioners blog. Thanks Jeff!
Can I roll my other 2 credit cards into my already existing citi bank card and start the 36 months interest free card.
Hi Kim, with this card any balances you transfer must be transferred within 90 days from card approval. Hope that answers your question!
How do I apply? there's no 'apply' button.
Hi Benjamin, we’re currently not partnered with the Citi Clear credit card but you can head over to their official website to apply. Alternatively, you can check out some of the other balance transfer cards for more options.
HI Pauline. My question is that I have a debt of 6000$ Credit card and if I gets citi clear credit card and will pay minimum amount for 36 months will i get any interest in that period of time and that minimum payment will count towards the transferred amount?
Hi Waqas, that’s a good question! Because the Citi Clear card currently offers 0 interest on balance transfers for 36 months, this means you won't be charged interest as long as you pay at least the minimum amount stated on your monthly statement. Watch out though, after the promotional period ends, any remaining balance will be subject to a 22.24% p.a. interest rate.
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28 August 20221
Does not recommend this cardmartin ronan
6 December 2021can you help me
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