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Citi Clear Credit Card – Balance Transfer Offer

Offers 0% interest on balance transfers for 36 months with no balance transfer fee, plus a discounted annual fee in the first year.

The Citi Clear credit card currently has one of the longest 0% balance transfer offers on the market, giving you 36 months interest-free and no balance transfer fee when you apply by 31 August 2022. You can also save with a $49 annual in the first year, but that goes to $99 from the second year on.

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0% p.a.

Balance transfer rate

for 36 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 rate p.a.0% for 36 months
Balance transfer revert rateCash Advance Rate (22.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.14.99%
Annual fee$49 for the first year ($99 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 36 months with no BT fee
  • Pay a reduced annual fee in the first year
  • Includes extended warranty and purchase cover insurances
  • Up to 4 additional cardholders at no extra cost


  • A $99 p.a. annual fee applies from the second year onwards
  • 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 for the first year ($99 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 has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also 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, which can help if you have existing debt you want to pay off. To give you an idea of the potential savings, if you balance transferred a $2,000 debt to this card, you could save $699.68 over the 36-month introductory period, compared to what you'd pay if the average standard credit card rate of 19.94% was charged.

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 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 under the Citi brand, 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 36 months with no balance transfer fee when you apply through Finder, request the balance transfer and get approved for this card by 31 August 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. Apply by 31 August 2022 and you'll save with an annual fee of $49 in the first year, which goes to $99 p.a. after that.

Rates & fees

  • Annual fee. Outside of any promotions, 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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  1. Default Gravatar
    November 15, 2021

    Can i transfer a 15,000 credit card debt from humm MasterCard?

    • Avatarfinder Customer Care
      November 17, 2021

      Hi Ben,

      Transferring a balance of $15,000 from humm90 Mastercard is going to depend on the new card’s general terms and conditions and the credit limit that you’re approved for.

      If you’re interested in applying for Citi’s Clear Credit Card, please review first the eligibility requirements. The bank can allow you to transfer up to 80% of your approved credit limit without a balance transfer fee. They will usually base their approval of your credit limit on assessing your financial situation and overall qualifications.

      I hope this has helped.


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