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Citi Clear Credit Card
Citi Clear Credit Card

Citi Credit Cards

Citi Clear Credit Card

Updated 12 April 2022

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 29 June 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
  • Receive $10 cashback on one $25 or more worth of Deliveroo order. Offer available until 30 June 2022.
  • 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 29 June 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 29 June 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 benefit from ongoing monitoring, global fraud protection and Citi Alerts.
Citi Extras: You can take advantage of the Citi PayAll feature which lets you schedule recurring payments for your rent, education fees, childcare, taxes, bills, and more.

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 116 Creditcard.com.au user reviews )

86% rating based on 116 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

martin ronan

6 December 2021

can you help me

Recommends this card

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

Brands 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
  • Receive $10 cashback on one $25 or more worth of Deliveroo order. Offer available until 30 June 2022.
  • Up to four (4) supplementary cardholders at no additional fee
  • Complimentary Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • 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

  • Permanent 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.

83 questions (showing the latest 10 Q&As)

Keira J Weller

Keira J Weller

26 April 2022
I need a card that I can get returned fixture refunds, on purchases. Or a credit card of $500. That I can pay monthly. Thanks in advance.
Peter Lalla

Peter Lalla

6 April 2022
I would like to transfer my Commonwealth credit card balance and have a good credit record. The only issue I have I do not earn $35k per annum as I am a pensioner.
    Pauline - CreditCard.com.au

    Pauline

    8 April 2022
    Hi Peter, Citi are pretty strict on the minimum income requirements. However, we’ve documented a list of some credit cards that have a lower than $35,000p.a. income requirement. Hope this helps!
Chris

Chris

3 April 2022
Transfer personal loan ? for 36 months 0%
    Pauline - CreditCard.com.au

    Pauline

    4 April 2022
    Hi Chris, Citi (and providers they provide credit too like Qantas and Coles) are the only provider of credit cards that allow you to balance transfer a personal loan. If you meet all the criteria and have your credit file in good standing, you could be able to transfer up to 80% of your approved credit limit. Watch out for the revert rate at the end of the promotional period though!

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