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Citi Clear Platinum Credit Card

114 reviews

Apply by 30 June 2019

Purchase rate

14.99% p.a.

Balance transfer

0% 14 months
0% Complete (success)
reverts to 21.74% p.a. No BT fee

Annual fee

$99 p.a.
99% Complete (success)

Pros

0% p.a. on balance transfers for the first 14 months with no balance transfer fee

Purchase rate of 12.99% p.a.

Pay no annual fee first year, $99 thereafter

Range of complimentary platinum insurance covers and benefits

Free bottle of wine at Citi's dining partner restaurants (located on the Citi smart-phone app

Cons

$99 ongoing annual fee

Citi Clear Platinum Credit Card

With the Citi Clear Platinum credit card you can enjoy 0% p.a. for the first 14 months on balance transfers with no balance transfer fee and pay no annual fee the first year. Features a low 12.99% p.a. on purchases and platinum benefits. The annual fee from the second year is $99 and you can add up to 4 additional card holders for no extra cost.

Key features

  • 0% p.a. on balance transfers for the first 14 months with no balance transfer fee
  • Purchase rate of 12.99% p.a.
  • Up to 55 days interest free on purchases
  • Platinum concierge
  • Up to four (4) supplementary cardholders at no additional fee
  • Pay no annual fee first year, $99 thereafter
  • Guaranteed pricing scheme
  • With the Citi Dining Program, enjoy a free bottle of wine from award-winning wineries every time you dine at hundreds of participating restaurants and pay with your Citi card
100% of customers who have rated this card would recommend it
  • Rates
    89%
  • Fees
    83%
  • Rewards
    N/A
  • Customer Service
    86%
  • Value
    86%
Overall user rating 86%
114 reviews
Interest Rates
Purchase rate 14.99% p.a.
Cash advance rate 21.74% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 14 months
Balance transfer fee No fee
Balance transfer revert rate 21.74% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan Yes
Banks you can't balance transfer from Bank of Queensland ,Citi ,Coles ,Emirates ,IMB ,Qantas Money ,Suncorp ,Virgin Money
Credit limits
Minimum credit limit $6,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $99 p.a.
Additional cardholder fee Up to 4 at no extra cost
Cash advance fee 3.5%
Foreign transaction fee 3.4%
Minimum repayment 2%
Late payment fee $30
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Free wine with the Citibank Dining Program

The Citi Clear Platinum Credit Card

This is a good value everyday card. The purchase rate is low, you get a platinum concierge to help you make arrangements and bookings, Citi world privileges program meaning discounts worldwide on hotels, restaurants etc + you get a free bottle of wine at restaurants on Citi's partner program. A few meals a year and the annual fee is covered.

What we love…

The card features a relatively low rate of 12.99% p.a. on purchases, 0% for the first 14 months on balance transfer with no balance transfer fee. The annual fee is waived the first year and you can add up to 4 additional cardholders at no extra cost. For the $99 ongoing annual fee you get access to a platinum concierge and Citi Dining Program, where you can enjoy a free bottle of wine at participating restaurants when you pay with your Citi card.

In terms of insurance, the card comes with complimentary Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme.

What’s not so great…

The annual fee is quite high for a low rate credit card but the card comes with platinum benefits.

Why should you choose this card?

The balance transfer offer of 0% p.a. for the first 14 months with no balance transfer fee is handy if you need to transfer over some debt and pay off. The annual fee is waived for the first year, saving you $99.

If you would like to take advantage of the Citibank Dining Program and are looking for a card with a low purchase rate, then this card might be suitable for you.

Overall Rating

A low rate everyday credit card with access to a Platinum Concierge and Citibank Dining Program. Take advantage of 0% balance transfer offer and no annual fee the first year.

57 questions (showing the latest 10 Q&As)

Fiascoe

Fiascoe

16 May 2019
Hi there I have a platinum clear Citibank credit card with 24 months interest free and 14..99 on purchases. If I still have $2000 to pay off this card on the 0% but make a retail purchase do I pay 14.99 on my retail purchase only or 14.99 on the whole remaining balance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 May 2019
    Hi Fiascoe, you would pay 14.99% on just the new retail purchases. For the remaining balance transfer of $2,000 - you will not pay interest on this amount until the intro period expires.
Sharon

Sharon

8 May 2019
How long does it take after I am approved for the balance to be transferred? Is there anything I need to do to initiate this or is this automatically done at your end? Thanks!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 May 2019
    Hi Sharon, the balance transfer should occur soon after card activation. There is nothing you will need to do on your end. Citi will make a payment on your behalf of the approved balance transfer amount. This will effectively more the debt from your previous providers to Citi. You will receive the 0% rate on this amount until the intro period expires.
Yosh

Yosh

29 April 2019
Hi, I would like to apply for citi clear platinum credit card, will I get the balance transfer sent to me as a cheque? I have couple of loan accounts to pay off. please confirm so that I can apply asap.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2019
    Hi Yosh, yes it is possible to get the balance transfer amount sent as a cheque with Citi.
Tim

Tim

3 April 2019
Hi there, I am a fully discharged bankrupt (Part X) with a clean credit file and a credit score of 799, and I’m looking for a secured car loan. I earn $200,000.I understand not all lenders check the NPII, can you suggest any lenders who I should apply with? Many thanks for your time.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2019
    Hi Tim, I would suggest you try a service that has a panel of lenders. Complete a quick quote on here - https://www.carloanworld.com.au/get-a-quote. See what they can offer. If you are not happy then look at other providers. Let me know how you go.
Zoey Hummel

Zoey Hummel

1 December 2017
I have a credit score of 506 I have a full time job would I likely be approved
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2017
    Hi Zoey, the banks will take a range of factors into consideration for accessing your credit card application. Big factors include income v expenses, assets v liabilities and your credit history. The likelihood of approval will depend on these plus more. So its very difficult to say whether you will be approved before assessing the whole application. Bottom line if you have not applied (and been declined) for credit in the past 6 months and you like the offer, then I say its worth a shot.
Adam

Adam

1 August 2017
Hi Roland. I have a default listed from a credit card from 5 years ago. It happened whilst I was travelling abroad. I earn $150-200k a year. Will this old default affect me greatly. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 August 2017
    Hi Adam, a default should come off your credit file after 5 years. Therefore if it has been that long then you could be all clear. I would suggest you get a current free copy of your credit file. If it is still listed it must be coming off very soon. If it is listed it will affect your ability to get approved for a credit card.
Jeannette Hayes

Jeannette Hayes

3 April 2017
Hello i am on a disability pension and i want to get a gredit card for emergencies and i have bad credit how can i get one please thanking you Jeannette
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2017
    Hi Jeannette, having bad credit, you are unlikely to be approved for a credit card. If you can clean your credit up, then reach out again and I can suggest some cards that may suit.
Royce mojares

Royce mojares

4 December 2016
How much is the maximum for balance transfer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 December 2016
    Hi Royce, max credit limit on this product is $100,000. You can transfer up to 80% of your approved limit. Even though this is the maximum, it is very unlikely that you would get this type of limit when you first apply. How much are you looking to transfer?
Lucas Phelan

Lucas Phelan

23 August 2016
What is the maximum credit limit this card can have?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 August 2016
    Hi Lucas, this card has a maximum credit limit of $100,000.
vicky

vicky

17 December 2015
have u got to have a good credit rateingand is there a credit card for pensioners
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2015
    Hi Vicky, you need a good credit rating to apply. Its possible for pensioners depending on income and expenses. The people I know have been approved get extra income from super and have good credit.
Tim Bowden

Tim Bowden

7 October 2015
I am interested in transferring credit card debt to an interest free card with no monthly repayments. I now have a steady job and good income so I can successfully pay off this debt but I want to go the most effective way about it. Can you help me? Tim
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 October 2015
    Hi Tim - all balance transfer offers will require minimum monthly repayments, therefore you cannot get away from them with these types of offers. Check out or 0% balance transfer section. What is best will depend on your personal situation and ability to pay off the debt over what period of time. There are 0% offers for up to 24 months. If you can budget to pay off the debt in that time inc the annual fees, then this is a great starting point.
DAVID COOK

DAVID COOK

22 September 2015
do I have hire car insurance if I pay the hire with my credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 September 2015
    Hi David - not for any domestic activity - your excess could be covered by the international travel insurance with this card.
tim mcloughlin

tim mcloughlin

16 June 2015
Hi with regard to credit checking does your company use Veda or Dunn &bradstreet
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 June 2015
    Hi Tim, Citi will uses a number of ways to access your application. Your credit file information is not a particular company but a record of your credit activity. Veda have this information on file and will be able to provide you with a free report by completing an online form. Dunn + Bradstreet, as far as I know, is for businesses rather than individuals. Its always a good idea to check your credit file before you apply.
Sara

Sara

4 June 2015
Is the travel insurance only valid if you pay for your travel on this card (we've already booked)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2015
    With Citibank, it looks like you to book the ticket with your card. With many other programs you just need to book a certain amount of prepaid expenses pre-trip. Below is grabbed from the insurance PDFA cardholder with a Prestige Card, Signature Card, Platinum Card or Citibusiness Gold Card is eligible for this International Travel Insurance when they meet all of the following criteria: 1. the cardholder’s travel is for no more than six (6) consecutive months or three (3) months for Citibusiness Gold Card cardholders; and 2. before leaving Australia the cardholder obtains their overseas travel ticket (but not taxes or airport or travel agent charges) by one or a combination of the following methods: (a) charging the cost of the overseas travel ticket to the cardholder’s card; or (b) obtaining the overseas travel ticket under the Citibank Travel Program; or (c) obtaining the overseas travel ticket via the cardholder’s airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and 3. the person is a cardholder at the time obtain their overseas travel ticket
Kat

Kat

5 May 2015
Hi, I have an existing cc debt of 14K plus a car loan of 11K. I was planning on consolidating this debt by transferring it to a 0% balance transfer card. Which card would you recommend? Would it make sense to transfer the balance and then use my existing card for any needed purchases and not touch the new card apart from making payments? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 May 2015
    For that kind of amount I like the Citi Platinum Rewards card with 0% for 24 months. With Citi you can balance transfer up to 80% of the approved limit. Therefore you would need a limit around $32k to successfully be able to balance transfer the car loan + card debt. Citibank (and cards that they issue) are the only balance transfer (that I am aware of) that accepts non-Citi personal loan debt as well as store and credit cards. Best of luck with your application. It sounds like it could save you a heap in interest.
Jasmin

Jasmin

23 November 2014
Hi, I was just inquiring about your 9mths interest free on balance transfers and purchases. Is the balance transfer plus and purchases in the first 9mths of being approved free from any interest during that 9 mths? Also if I pay it off say in 4 mths then use the card again do I still have no interest for 5mths? Is that how this card works? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 November 2014
    Hi Jasmin - yes the interest free period is a full 9 months. This is from the date of issue therefore on the purchases side it should be more like 8.5 months. If you used the card, paid it off in full after 4 months then you would have another 5 months interest free. Best of luck with your application. If this offer is used well it works out great. The purchases revert to the low purchase rate so if you dont pay off in full you wont be hit with high interest. The balance transfer component reverts to the cash advance rate, therefore its important to pay this off (if used) within the intro period.
Amber

Amber

17 September 2014
Does this offer have an end date?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 September 2014
    Offer ends 6 January 2015.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian resident
  • Minimum income of $35,000 p.a.
  • You have your personal details ready to complete the online application
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card

Citi Clear Platinum Credit Card

Updated 11 April 2019

Apply by 30 June 2019

Purchase Rate (p.a)

14.99%

Balance Transfer (p.a)

0% for 14 months No BT fee. reverts to 21.74% p.a.

Annual Fee (p.a)

$99

$0 over 14 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for the first 14 months with no balance transfer fee
  • Purchase rate of 12.99% p.a.
  • Pay no annual fee first year, $99 thereafter
  • Range of complimentary platinum insurance covers and benefits
  • Free bottle of wine at Citi's dining partner restaurants (located on the Citi smart-phone app

  • $99 ongoing annual fee

Creditcard.com.au review

Editor Review

The Citi Clear Platinum Credit Card

This is a good value everyday card. The purchase rate is low, you get a platinum concierge to help you make arrangements and bookings, Citi world privileges program meaning discounts worldwide on hotels, restaurants etc + you get a free bottle of wine at restaurants on Citi's partner program. A few meals a year and the annual fee is covered.

What we love…

The card features a relatively low rate of 12.99% p.a. on purchases, 0% for the first 14 months on balance transfer with no balance transfer fee. The annual fee is waived the first year and you can add up to 4 additional cardholders at no extra cost. For the $99 ongoing annual fee you get access to a platinum concierge and Citi Dining Program, where you can enjoy a free bottle of wine at participating restaurants when you pay with your Citi card.

In terms of insurance, the card comes with complimentary Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme.

What’s not so great…

The annual fee is quite high for a low rate credit card but the card comes with platinum benefits.

Why should you choose this card?

The balance transfer offer of 0% p.a. for the first 14 months with no balance transfer fee is handy if you need to transfer over some debt and pay off. The annual fee is waived for the first year, saving you $99.

If you would like to take advantage of the Citibank Dining Program and are looking for a card with a low purchase rate, then this card might be suitable for you.

Overall Rating

A low rate everyday credit card with access to a Platinum Concierge and Citibank Dining Program. Take advantage of 0% balance transfer offer and no annual fee the first year.

User reviews

Citi Clear Platinum Credit Card ( based on 114 Creditcard.com.au user reviews )

86% rating based on 114 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 14.99% p.a.

Cash advance rate 21.74% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 14 months

Balance transfer revert rate 21.74% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee.

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Queensland, Citi, Coles, Emirates, IMB, Qantas Money, Suncorp, Virgin Money

Credit limits

Minimum credit limt $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee Up to 4 at no extra cost

Foreign transaction fee 3.4%

Minimum repayment 2%

Cash advance fee 3.5%

Late payment fee $30

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Free wine with the Citibank Dining Program

Overview

Citi Clear Platinum Credit Card

With the Citi Clear Platinum credit card you can enjoy 0% p.a. for the first 14 months on balance transfers with no balance transfer fee and pay no annual fee the first year. Features a low 12.99% p.a. on purchases and platinum benefits. The annual fee from the second year is $99 and you can add up to 4 additional card holders for no extra cost.

Key features

  • 0% p.a. on balance transfers for the first 14 months with no balance transfer fee
  • Purchase rate of 12.99% p.a.
  • Up to 55 days interest free on purchases
  • Platinum concierge
  • Up to four (4) supplementary cardholders at no additional fee
  • Pay no annual fee first year, $99 thereafter
  • Guaranteed pricing scheme
  • With the Citi Dining Program, enjoy a free bottle of wine from award-winning wineries every time you dine at hundreds of participating restaurants and pay with your Citi card

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian resident

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

57 questions (showing the latest 10 Q&As)

Fiascoe

Fiascoe

16 May 2019
Hi there I have a platinum clear Citibank credit card with 24 months interest free and 14..99 on purchases. If I still have $2000 to pay off this card on the 0% but make a retail purchase do I pay 14.99 on my retail purchase only or 14.99 on the whole remaining balance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 May 2019
    Hi Fiascoe, you would pay 14.99% on just the new retail purchases. For the remaining balance transfer of $2,000 - you will not pay interest on this amount until the intro period expires.
Sharon

Sharon

8 May 2019
How long does it take after I am approved for the balance to be transferred? Is there anything I need to do to initiate this or is this automatically done at your end? Thanks!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 May 2019
    Hi Sharon, the balance transfer should occur soon after card activation. There is nothing you will need to do on your end. Citi will make a payment on your behalf of the approved balance transfer amount. This will effectively more the debt from your previous providers to Citi. You will receive the 0% rate on this amount until the intro period expires.
Yosh

Yosh

29 April 2019
Hi, I would like to apply for citi clear platinum credit card, will I get the balance transfer sent to me as a cheque? I have couple of loan accounts to pay off. please confirm so that I can apply asap.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2019
    Hi Yosh, yes it is possible to get the balance transfer amount sent as a cheque with Citi.
Tim

Tim

3 April 2019
Hi there, I am a fully discharged bankrupt (Part X) with a clean credit file and a credit score of 799, and I’m looking for a secured car loan. I earn $200,000.I understand not all lenders check the NPII, can you suggest any lenders who I should apply with? Many thanks for your time.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2019
    Hi Tim, I would suggest you try a service that has a panel of lenders. Complete a quick quote on here - https://www.carloanworld.com.au/get-a-quote. See what they can offer. If you are not happy then look at other providers. Let me know how you go.
Zoey Hummel

Zoey Hummel

1 December 2017
I have a credit score of 506 I have a full time job would I likely be approved
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2017
    Hi Zoey, the banks will take a range of factors into consideration for accessing your credit card application. Big factors include income v expenses, assets v liabilities and your credit history. The likelihood of approval will depend on these plus more. So its very difficult to say whether you will be approved before assessing the whole application. Bottom line if you have not applied (and been declined) for credit in the past 6 months and you like the offer, then I say its worth a shot.
Adam

Adam

1 August 2017
Hi Roland. I have a default listed from a credit card from 5 years ago. It happened whilst I was travelling abroad. I earn $150-200k a year. Will this old default affect me greatly. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 August 2017
    Hi Adam, a default should come off your credit file after 5 years. Therefore if it has been that long then you could be all clear. I would suggest you get a current free copy of your credit file. If it is still listed it must be coming off very soon. If it is listed it will affect your ability to get approved for a credit card.
Jeannette Hayes

Jeannette Hayes

3 April 2017
Hello i am on a disability pension and i want to get a gredit card for emergencies and i have bad credit how can i get one please thanking you Jeannette
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2017
    Hi Jeannette, having bad credit, you are unlikely to be approved for a credit card. If you can clean your credit up, then reach out again and I can suggest some cards that may suit.
Royce mojares

Royce mojares

4 December 2016
How much is the maximum for balance transfer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 December 2016
    Hi Royce, max credit limit on this product is $100,000. You can transfer up to 80% of your approved limit. Even though this is the maximum, it is very unlikely that you would get this type of limit when you first apply. How much are you looking to transfer?
Lucas Phelan

Lucas Phelan

23 August 2016
What is the maximum credit limit this card can have?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 August 2016
    Hi Lucas, this card has a maximum credit limit of $100,000.
vicky

vicky

17 December 2015
have u got to have a good credit rateingand is there a credit card for pensioners
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2015
    Hi Vicky, you need a good credit rating to apply. Its possible for pensioners depending on income and expenses. The people I know have been approved get extra income from super and have good credit.
Tim Bowden

Tim Bowden

7 October 2015
I am interested in transferring credit card debt to an interest free card with no monthly repayments. I now have a steady job and good income so I can successfully pay off this debt but I want to go the most effective way about it. Can you help me? Tim
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 October 2015
    Hi Tim - all balance transfer offers will require minimum monthly repayments, therefore you cannot get away from them with these types of offers. Check out or 0% balance transfer section. What is best will depend on your personal situation and ability to pay off the debt over what period of time. There are 0% offers for up to 24 months. If you can budget to pay off the debt in that time inc the annual fees, then this is a great starting point.
DAVID COOK

DAVID COOK

22 September 2015
do I have hire car insurance if I pay the hire with my credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 September 2015
    Hi David - not for any domestic activity - your excess could be covered by the international travel insurance with this card.
tim mcloughlin

tim mcloughlin

16 June 2015
Hi with regard to credit checking does your company use Veda or Dunn &bradstreet
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 June 2015
    Hi Tim, Citi will uses a number of ways to access your application. Your credit file information is not a particular company but a record of your credit activity. Veda have this information on file and will be able to provide you with a free report by completing an online form. Dunn + Bradstreet, as far as I know, is for businesses rather than individuals. Its always a good idea to check your credit file before you apply.
Sara

Sara

4 June 2015
Is the travel insurance only valid if you pay for your travel on this card (we've already booked)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2015
    With Citibank, it looks like you to book the ticket with your card. With many other programs you just need to book a certain amount of prepaid expenses pre-trip. Below is grabbed from the insurance PDFA cardholder with a Prestige Card, Signature Card, Platinum Card or Citibusiness Gold Card is eligible for this International Travel Insurance when they meet all of the following criteria: 1. the cardholder’s travel is for no more than six (6) consecutive months or three (3) months for Citibusiness Gold Card cardholders; and 2. before leaving Australia the cardholder obtains their overseas travel ticket (but not taxes or airport or travel agent charges) by one or a combination of the following methods: (a) charging the cost of the overseas travel ticket to the cardholder’s card; or (b) obtaining the overseas travel ticket under the Citibank Travel Program; or (c) obtaining the overseas travel ticket via the cardholder’s airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and 3. the person is a cardholder at the time obtain their overseas travel ticket
Kat

Kat

5 May 2015
Hi, I have an existing cc debt of 14K plus a car loan of 11K. I was planning on consolidating this debt by transferring it to a 0% balance transfer card. Which card would you recommend? Would it make sense to transfer the balance and then use my existing card for any needed purchases and not touch the new card apart from making payments? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 May 2015
    For that kind of amount I like the Citi Platinum Rewards card with 0% for 24 months. With Citi you can balance transfer up to 80% of the approved limit. Therefore you would need a limit around $32k to successfully be able to balance transfer the car loan + card debt. Citibank (and cards that they issue) are the only balance transfer (that I am aware of) that accepts non-Citi personal loan debt as well as store and credit cards. Best of luck with your application. It sounds like it could save you a heap in interest.
Jasmin

Jasmin

23 November 2014
Hi, I was just inquiring about your 9mths interest free on balance transfers and purchases. Is the balance transfer plus and purchases in the first 9mths of being approved free from any interest during that 9 mths? Also if I pay it off say in 4 mths then use the card again do I still have no interest for 5mths? Is that how this card works? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 November 2014
    Hi Jasmin - yes the interest free period is a full 9 months. This is from the date of issue therefore on the purchases side it should be more like 8.5 months. If you used the card, paid it off in full after 4 months then you would have another 5 months interest free. Best of luck with your application. If this offer is used well it works out great. The purchases revert to the low purchase rate so if you dont pay off in full you wont be hit with high interest. The balance transfer component reverts to the cash advance rate, therefore its important to pay this off (if used) within the intro period.
Amber

Amber

17 September 2014
Does this offer have an end date?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 September 2014
    Offer ends 6 January 2015.

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