Citi Clear Credit Card – Balance Transfer Offer

Offers 0% interest on balance transfers for 28 months and a reduced annual fee of $49 in the first year, which goes to $99 per year after that.

The Citi Clear credit card is a low rate card that also offers a handful of other perks, including complimentary insurance for eligible purchases and free wine through the Citibank Dining Program. With this introductory offer, you can save on existing card debt with a 0% interest rate on balance transfers for 28 months when you apply by 28 April 2022.

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0% p.a.

Balance transfer rate

for 28 months

14.99% p.a.

Purchase rate

$49 p.a.

Annual fee

for the first year ($99 p.a. thereafter)

55 days

Interest free period

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Product NameCiti Clear Card - Balance Transfer Offer
Balance transfer rate0% p.a. for 28 months
Balance transfer revert rateCash Advance Rate (22.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate14.99% p.a.
Annual fee$49 annual fee for the first year ($99 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate22.24% p.a.
Min credit limit$6,000
Max credit limit$100,000
Card typeMastercard
Foreign currency conversion fee3.4%
Minimum income$35,000
Available to temporary residentsNo
Joint applicationNo


  • 0% p.a. on balance transfers for 28 months with no BT fee
  • $49 first-year annual fee ($99 p.a. thereafter)
  • Includes extended warranty and purchase cover insurances


  • Balance transfer reverts to the high 22.24% p.a. cash advance rate
  • No rewards program and travel insurance
Bonus pointsN/A
Annual fee$49 annual fee for the first year ($99 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3.4%
Cash advance fee3.5% or $3.50, whichever is greater
Overseas cash advance fee$5
Additional cardholder fee$0
Number of additional cardholders4

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Citi Clear credit card gives you a long 0% balance transfer period with this introductory offer and has no balance transfer fee. To give you an idea of the potential savings, if you balance transferred a $2,000 debt, you could save $307.13 over the 28-month introductory period. The reduced first-year annual fee also saves you $50 compared to the $99 annual fee that applies from the second year onwards.

How to apply

You can apply for the Citi Clear Credit Card online in 15 minutes. Before you get started, check if you meet the eligibility criteria and have the necessary information on hand:

Eligibility criteria

  • Income. Earn a minimum taxable annual income of $35,000.
  • Eligible balance transfer debt. You can transfer balances from credit cards, store cards and personal loans not issued by Citi, up to 80% of your credit limit.

Card benefits

  • Balance transfer offer. You can consolidate existing debts with a 0% interest rate for the first 28 months with no balance transfer fee when you apply through Finder, request the balance transfer and get approved for this card by 28 April 2022. Any unpaid balance after the promotional period ends will be charged at the variable cash advance rate, currently 22.24% p.a.
  • Discounted first-year annual fee. Save with a $49 annual fee for the first year when you apply and get approved for this card by 28 April 2022. This will revert to $99 after the first year.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard 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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