In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Citi Clear Card - Balance Transfer Offer
Terms and conditions apply
Balance transfer rate for 28 months with 2% balance transfer fee
0% p.a.
Purchase rate
14.99% p.a.
Annual fee
$99 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers 0% interest on balance transfers for 28 months, but make sure you factor in the 2% balance transfer fee.

The Citi Clear credit card gives you a long 0% balance transfer period with this introductory offer, which can help if you have existing debt you want to pay off. To give you an idea of the potential savings, if you transferred an average balance of $3,023 to this card and did not add to your credit card debt, you could save $866.56 over the 28-month introductory period, compared to what you'd pay if the average standard credit card rate of 19.82% was charged. This is based on Finder's balance transfer credit card comparison table calculator and factors in both the annual fee and the 2% balance transfer fee (which would be $60.46 in this example).


  • 0% p.a. on balance transfers for 28 months with a one-time 2% BT fee
  • Extended warranty and purchase insurance options
  • Up to 4 additional cardholders at no extra cost


  • Balance transfer reverts to a high 22.24% p.a. cash advance rate
  • No rewards program or travel insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The Citi Clear credit card currently has one of the longest 0% balance transfer offers on the market when you apply and are approved by 30 April 2024. It also has a purchase interest rate of 14.99% p.a., which is competitive with other low rate cards that offer complimentary insurance and other perks. But you won’t be eligible for interest-free days on purchases if you have a balance transfer.


Product details

Product Name Citi Clear Card - Balance Transfer Offer
Balance transfer rate p.a. 0% for 28 months with 2% balance transfer fee, then 22.24%
Balance transfer limit 80% of available limit
Purchase rate p.a. 14.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 22.24%
Min credit limit $2,000
Max credit limit $100,000
Card type Mastercard


Available to temporary residents No
Minimum income $35,000
Joint application No


Bonus points N/A


Annual fee $99
Minimum monthly repayment 2% of the closing balance or $30, whichever is greater
Late payment fee $30
Foreign currency conversion fee 3.4%
Cash advance fee 3.5% or $3.50, whichever is greater
Overseas cash advance fee $5
Additional cardholder fee $0
Number of additional cardholders 4
On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.

How to apply

You can apply for the Citi Clear Credit Card online in as little as 10 minutes. Before you begin, check you meet the eligibility criteria and have the necessary information on hand:

Eligibility criteria

  • Eligible balance transfer debt. You can transfer balances from credit cards, store cards and personal loans not issued under the Citi brand, up to 80% of your credit limit.
  • Residency. This card is only available to permanent Australian residents and citizens.

Card benefits

  • Balance transfer offer. You can consolidate existing debts with a 0% interest rate for the first 28 months, with a one-time 2% balance transfer fee when you apply online, request the balance transfer and get approved for this card by 30 April 2024. Any unpaid balance after the promotional period ends will be charged at the variable cash advance rate, currently 22.24% p.a.
  • Complimentary insurance. When you use this card for shopping, you can get access to complimentary purchase protection insurance and extended warranty insurance.

Rates & fees

  • Annual fee. This card charges an annual fee of $99.
  • Purchase interest rate. This card has a 14.99% p.a. interest rate for purchases, which is lower than the average standard rate according to the Reserve Bank of Australia.

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Royale Waihape

July 22, 2023

Can limit be decreased after time?

Say I have a balance of $20k, pay $5k on it so then can I drop the limit down to $15k?

And continue to do this until paid off?


Richard Whitten Finder

July 26, 2023

Generally you can ask the card provider to decrease the card limit over time.



June 27, 2023

Hi there I’m trying to pay off an American Express credit card and it states “Biller does not accept payment from this type of account.”

Why is this?

Thank you


Sarah Megginson Finder

June 27, 2023

Hi James,

That error message usually comes up when you’re trying to make a payment FROM an Amex account, TO a biller that doesn’t accept Amex payments, so we suggest you double check the details of the payment you’re trying to make.

We’re not affiliated with Amex or Citi (we’re a review site) so you may need to contact them directly for customer support.

Hope this helps!

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June 19, 2023

I applied for this card and got approved. My objective was to pay off a personal loan and an outstanding balance on another Credit card. While applying, I provided the details of my daily transaction account and am assuming the money would be credited to that from where i will pay off my personal loan etc. Generally banks allow for CC to CC balance transfer. this sound to be like a loan where by there is no interest for the first 36 months (Ofcourse there is an annula fee of 99$) and a 1% of balance transfer charge. So if i take a 10K balance transfer and pay it off by 36 months, my total cost is 400$ ( 300$ yearly fee + 100$ transfer fee). Am i correct in my assumption ?

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Amy Bradney-George Finder

June 20, 2023

Thanks for your questions and details. In regards to personal loans and balance transfers, Citi is one of the credit card brands in Australia that does allow personal loan balances to be transferred to a credit card. You would typically need to provide details of the personal loan account for the balance transfer to be processed. If you have not provided these details or have questions, contact Citi on 13 24 84.

In regards to balance transfer costs, if you met the requirements and repaid the entire balance transfer within the 36-month introductory period, you would not be charged interest for the balance transfer. So the annual fee and balance transfer fee would be the main charges associated with the balance transfer. Keep in mind that interest-free days would not apply to new purchases made with this card while you’re paying off a balance transfer. I hope that helps.

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June 03, 2023

Can i balance transfer to my wifes account?


Amy Bradney-George Finder

June 08, 2023

Hi Joji,

Balance transfers typically need to be from accounts held in the same name as the primary cardholder. But you can call Citi on 13 24 84 to discuss options specific to your situation. Finder’s guide on balance transferring someone else’s debt also has more details on different options.

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April 14, 2023

Gday I have a couple of depts coming up real quick , one is a tax obligation of $1100 and the other is my car insurance claim of $1800 can I use Citi clear card to transfer some money into my bank card if I can’t quiet save enough 2 cover the whole costs of claim + repairs ?


Amy Bradney-George Finder

April 17, 2023

Hi Gary,

Unfortunately, it’s often difficult and expensive to transfer funds from a credit card to a bank account because it’s treated as a cash advance transaction. It also would not be eligible for the balance transfer offer, as that is only available for balances that you transfer from existing credit cards, store cards, personal loans or lines of credit. If the businesses accept credit card payments, it would be possible to pay with a credit card. The ATO does accept credit card payments.

Alternatively, you could consider a personal loan or discuss payment options directly with the ATO and/or businesses. If you need support, you can also speak to a financial counsellor for free by calling 1800 007 007 or visiting the National Debt Helpline website. I hope that helps.

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