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Citi Clear Credit Card
Citi Clear Credit Card

Citi Credit Cards

Citi Clear Credit Card

Updated 22 October 2020

With the Citi Clear credit card you can enjoy 0.9% p.a. on both purchases and balance transfers for 15 months and no balance transfer fee (balance transfer reverts to cash advance rate). Features a low standard 14.99% p.a. on purchases and platinum benefits. The annual fee is $99 and you can add up to 4 additional card holders for no extra cost.

T&Cs apply. Offer ends 31 October 2020

Purchase Rate (p.a)

0.9% p.a.

for 15 months. Reverts to 14.99% p.a.

Balance Transfer (p.a)

0.9% for 15 months No balance transfer fee.
Reverts to 22.24% p.a.

Annual Fee (p.a)

$99

$0 over 15 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0.9% p.a. on purchases and balance transfers for 15 months with no balance transfer fee. Balance transfer reverts to cash advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
  • Standard purchase rate of 14.99% p.a.
  • $99 annual fee
  • Up to four (4) supplementary cardholders at no additional fee
  • Up to 55 days interest free on retail purchases
  • Citi World Privileges - Take advantage of shopping deals, travel upgrades and more.
  • Complimentary Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • Enjoy a free bottle of wine when dining at Citibank's dining partner restaurants. T&Cs apply.
  • Eligible with Apple Pay and Samsung Pay

  • Annual fee of $99 isn't that low

Creditcard.com.au review

Editor Review

Citi Clear Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Citi Clear Credit Card Review

When you apply for the Citi Clear Credit Card today, you can take advantage of two money-saving introductory offers with 0.9% p.a. on both purchases and balance transfers for 15 months. On top of that, you benefit from all the extras this card offers, including complimentary insurance covers and access to Citi and Mastercard perks, complete with a low ongoing purchase rate and annual fee.

What we love

Citi currently has two intro offers on its Citi Clear Credit Card, giving new cardholders the opportunity to save big on interest. First up, purchases. When you apply and are approved for the Citi Clear, you will pay just 0.9% p.a. on purchases for 15 months. This could provide massive savings for anyone planning a large purchase – or even a number of large purchases.

Thinking of doing some renovations around the house? Maybe you’re looking to invest in a big ticket item, such as a new TV or white goods? Perhaps you’re thinking about taking a trip? While overseas travel may be off the cards, that doesn’t mean there isn’t plenty of Australia to explore, border restrictions permitting, of course.

With an offer of 0.9% p.a. on purchases, you can cover larger purchases and pay them back over the card’s introductory period. This gives you more than a year to clear that spending while paying minimal interest. Even if you’re not planning any big spending, you can save on interest on everyday purchases, giving you more flexibility month-to-month during the intro period.

Now to balance transfers. With 0.9% p.a. on balance transfers, you can work on paying down any existing credit card balances, clearing your debt faster as you pay less in interest. With 15 months to play with, you can create a workable repayment plan, paying off a chunk of your debt each month to potentially clear it within that introductory period.

What do you need to know? Well, there is no balance transfer fee, which means you can focus on paying down your debt without fees added into the mix. Citi’s terms state you can transfer up to 80% of your approved credit limit, giving you some leeway on card spending and interest. As with any balance transfer offer, there are no interest free days on purchases until the balance transfer has been paid off.

What’s not so great...

One factor worth noting here is that if there is a balance remaining at the end of the introductory balance transfer period, it will revert to the card’s cash advance rate. This rate is not low, so you should do all you can to make sure you pay your transferred balance within the first 15 months of having the card.

Why should you choose this card?

Aside from its great introductory offers, why else should you choose the Citi Clear Credit Card? Considering its features – which we’ll get to in a minute – the card has a reasonably low annual fee. Plus, it allows up to four additional cardholders at no extra cost. On top of that, it has a relatively low ongoing purchase rate, which could help you save on interest if you happen to carry a balance now and then.

Now to those features.

Compatibility: With the Citi Clear Credit Card, you have the option to sync your card with Apple Pay and Samsung Pay, allowing you to pay with your device instore, or enjoy a faster checkout when shopping online.
Complimentary Insurance Covers: You can benefit from complimentary insurance cover on eligible purchases, including Extended Warranty Insurance, Purchase Cover Insurance, Guaranteed Pricing Scheme and Transit Accident Insurance.
Support: You have access to emergency card replacement should you need it, backed by 24/7 customer service if your card is lost or stolen. You also benefit from ongoing monitoring, global fraud protection and Citi Alerts.
Citi Extras: With this card in hand, you can take advantage of a free bottle of wine when dining at partner restaurants within the Citibank Dining Program. You can also utilise Citi PayAll for an easy way to cover single or regular expenses.
Global Perks: With Citi World Privileges, you can take advantage of shopping deals, travel upgrades and more. And with Mastercard Priceless Cities, you can explore unforgettable experiences around the world.

As for eligibility, Citi says that to be eligible for the Citi Clear Credit Card you must be an Australian resident aged 18 or over, with a minimum annual income of $35,000. Other figures worth noting here are the card’s minimum and maximum credit limits, which are $6,000 and $100,000 respectively.

Overall Rating

With the Citi Clear Credit Card, you can take advantage of its awesome intro offer on purchases and balance transfers, paying just 0.9% p.a. over 15 months. The card also provides access to a range of handy extras, all for a low annual fee and low ongoing purchase rate.

User reviews

Citi Clear 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.

Introductory purchase rate 0.9% p.a. for 15 months

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0.9% p.a. for 15 months

Balance transfer revert rate 22.24% 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 Citi

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 Whichever is greater: $30; or 2% of Card Balance; or The sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month

Cash advance fee 3.5%

Late payment fee $30

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Free wine with the Citibank Dining Program

Eligible with Apple Pay and Samsung Pay

Overview

Citi Clear Credit Card

Key features

  • 0.9% p.a. on purchases and balance transfers for 15 months with no balance transfer fee. Balance transfer reverts to cash advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
  • Standard purchase rate of 14.99% p.a.
  • Up to 55 days interest free on retail purchases
  • Citi World Privileges - Take advantage of shopping deals, travel upgrades and more.
  • $99 annual fee
  • Up to four (4) supplementary cardholders at no additional fee
  • Complimentary Purchase Cover Insurance, Extended Warranty Insurance and 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. T&Cs apply
  • Eligible with Apple Pay and Samsung Pay

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.

60 questions (showing the latest 10 Q&As)

Gino

Gino

13 June 2020
What are the rewards points structure for this card ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2020
    Hi Gino, this card earns no rewards points on spend. Have a look at our rewards credit card category to review cards that earn points.
isabella

isabella

22 August 2019
Hi, I am planning to apply for this card and want to know whether Citi clear platinum credit card accepts balance transfer from AMEX as I read on top they do not accept from Coles mastercard. Thank You.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 August 2019
    Hi Isabella, a balance transfer needs to be between different banks. Citi issues the Coles credit card range. Thus why you cannot balance transfer between them. You can however transfer AMEX debt to a Citi balance transfer offer, subject to credit approval.
Chaitra

Chaitra

25 June 2019
I am in Sydney since a month with a good pay, looking for a credit card that low on interest and annual fees. Also the only big transactions on my card would be air tickets(not quantas :) ). Kindly suggest. And I dont understand the interest rates, so irrespective of paying within the timeframe, every transaction is charged for a interest?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 June 2019
    Hi Chaitra, a month is probably not enough time to build enough history to get approval for a credit card. Though every persons financial situation is unique. Therefore depending on your residency it could be possible. Typically banks will want at least 2 months employment, if not 6 months to feel conformable. Though if you have a strong employment contract this could go some way. For interest, if you pay off your balance in full billing cycle, I like to do monthly. Then you will typically get up to 55 days interest free. If you carry a balance, then you will need to pay interest from day 1. The purchase rate is the one you need to look at. The purchase rate is the interest that would be charged on say your airline ticket purchase (if you did not pay in full in the billing cycle). A credit card is not for life. Therefore if you just start somewhere. Then adjust what card you have based on your spending and features that you use. Not sure what airline you use but would be good to get a card that can get you free flights with that.
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 PDF A 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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