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Citi Clear Credit Card
Citi Clear Credit Card

Citi Credit Cards

Citi Clear Credit Card

Updated 1 December 2021

Move your existing balance and save on interest with Citi Clear Credit Card’s extra-long 0% p.a. on balance transfers for 36 months introductory offer (no balance transfer fee applies, reverts to cash advance rate). Enjoy a low ongoing purchase rate plus, complimentary insurance covers, Citi Extras, and global perks. No interest free days apply to retail purchases while you have a balance transfer.

T&Cs apply. Offer ends 28 April 2022

Purchase Rate (p.a)

14.99%

Balance Transfer (p.a)

0% for 36 months No balance transfer fee.
Reverts to 22.24% p.a.

Annual Fee (p.a)

$99

$0 over 36 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for 36 months with no balance transfer fee
  • Standard purchase rate of 14.99% p.a.
  • Up to 55 days interest free on retail purchases
  • Up to four (4) supplementary cardholders at no additional fee
  • Complimentary Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • Citi World Privileges - Take advantage of shopping deals, travel upgrades and more.
  • Enjoy a free bottle of wine when dining at Citibank's dining partner restaurants. T&Cs apply.
  • Eligible with Apple Pay and Samsung Pay

  • Balance transfer reverts to the high 22.24% p.a. Cash Advance rate. No interest-free days apply to retail purchases while you have a balance transfer.
  • Does not offer a rewards program.

Creditcard.com.au review

Editor Review

Citi Clear Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt about this card.

The Citi Clear Credit Card Review

If you apply for the Citi Clear Credit Card by 28 April 2022, you can take advantage of their extra-long 0% p.a. on balance transfers for 36 months introductory offer. This card has a low variable rate of 14.99% p.a. on purchases and gives you access to benefits including complimentary insurance covers for retail purchases and a number of other Citi and Mastercard perks.

What we love

Citi currently has an enticing introductory offer on its Citi Clear Credit Card, giving new cardholders the opportunity to save big on interest and enjoy exclusive perks and privileges at the same time.

New customers who apply by 28 April 2022 can save with an extra-long 0% introductory interest on balance transfers for 36 months. This offer will allow you to work on paying down any existing credit card balances, clear your debt faster as you pay less in interest. With 36 months to play with, you can create a workable repayment plan, paying off a chunk of your debt each month which you can potentially clear within the 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 being 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 of 22.24% p.a. This rate is not low, so you should do all you can to make sure you pay your transferred balance within the first 36 months of having the card.

Why should you choose this card?

Aside from its great introductory offer and features — which we’ll get to in a minute — the card has a reasonable annual fee. Plus, you can add 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 depending on your balance.

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, so you can pay with your device in-store or checkout faster when shopping online.
Complimentary Insurance Cover: 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: You’ll get a free bottle of wine when you dine at partner restaurants within the Citibank Dining Program. You can also take advantage of the Citi PayAll feature which lets you schedule recurring payments for your rent, education fees, childcare, taxes, bills and more.
Global Perks: With Citi World Privileges, you can take advantage of shopping deals, travel upgrades and more. And with Mastercard Priceless Cities, you’ll be able to take part in unforgettable experiences around the world.

As for eligibility, 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 introductory rate on balance transfers, paying just 0% p.a. over 36 months as well as access to a range of handy extras, all for a reasonable 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.

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 36 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 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

Foreign transaction fee 3.4%

Minimum repayment 2% or $30 whichever is greater

Cash advance fee Domestic 3.5% or $3.50 (whichever is greater) ; International $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

Complimentary Guaranteed Pricing Scheme

Overview

Citi Clear Credit Card

Citi Clear Credit card makes it easier for you to manage your finances with its excellent extra-long 36-month 0% p.a. balance transfer offer and low ongoing interest rate on purchases. Plus it gives you access to additional benefits including complimentary insurance covers, Citi extras, global perks, and more.

Key features

  • 0% p.a. on balance transfers for 36 months with no balance transfer fee. Reverts to cash advance rate.
  • 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.
  • 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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 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 a our credit card expert a question.

66 questions (showing the latest 10 Q&As)

Kayla

Kayla

31 October 2021
HI, Can I transfer balance from Lender ? or just from credit card ? Thanks
    Pauline - CreditCard.com.au

    Pauline

    1 November 2021
    Hi Kayla, thanks for your question and you’re in luck. Citibank are the only provider who will allow personal loan balances to be consolidated with a balance transfer. The total debt will need to be 80% of your approved credit limit. Hope this has helped!
Kathie Babic

Kathie Babic

26 October 2021
I’m $4700 in debt with my credit card what is the best thing I can do to pay it off intrest free?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 October 2021
    Hi Kathie, depending on how healthy your credit file is looking you may be able to complete a balance transfer. If you request a balance transfer at the time of application, your debt moves from one bank to the other and you’ll get a certain period of time to pay it off without interest. You’ll need to make sure you clear the debt before the end of the promotional period otherwise you could be charged a higher interest rate. You can learn more with our guide to balance transfer credit cards. Hope this has helped you out.
Sam

Sam

24 October 2021
Hi, are there any fees if you pay out a credit card early and close the account? Or do you have to commit to the full term of the card offer you sign up for?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 October 2021
    Hi Sam, you can request to have your Citi card cancelled at any time by logging in to your Citi account online or reaching the bank directly. Please note though that you need to make sure that all Reward points earned are redeemed before or upon account closure or else they will be forfeited. Also keep in mind that you need to still make payments towards your Citi account if there’s any balance until it’s zeroed out. Hope this has helped!
Alison Gillespie

Alison Gillespie

6 October 2021
Hi, I have recently done a balance transfer from my Amex to a HSBC card. I have sine done some spending on my Amex and I would like to transfer the remaining balance to this Citi card.. Is something like this possible? I'm quite new to this. Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2021
    Hi Alison, the Citi Clear Credit credit card offers a balance transfer if you transfer the balance within 90 days of being approved for the card. Keep in mind that multiple credit applications can ding your credit file and hurt your credit score. You should assess whether you can pay down both debts before taking on another application. Hope this has helped!
jason jordan

jason jordan

6 October 2021
I Have existing card with you which is about to be paid out. What rate can you offer me with a balance transfer of approx 12000 with existing 15500 limit
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2021
    Hi Jason, the current offer on the Citi Clear card is a 0% offer for 36 months. After this the rate will reverts to 22.24% p.a.
Sahan

Sahan

1 October 2021
I carry a Temporary Residence Visa (subclass 309) and will I be able to apply for credit card in your bank. I have a TFN and a full-time permeant job. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 October 2021
    Hi Sahan, looking at Citibank Clear’s eligibility criteria, you are a “permanent” Australian resident. If you’re still looking for a card, you can check out this list of credit cards we curated for cards allowing temporary Australian residents to apply.

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