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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.
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 Name | Citi Clear Card - Balance Transfer Offer |
---|---|
Balance transfer rate p.a. | 0% for 36 months |
Balance transfer revert rate | Cash Advance Rate (22.24% p.a.) |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | 14.99% |
Annual fee | $49 for the first year ($99 thereafter) |
Interest-free period | Up to 55 days on purchases |
Cash advance rate | 22.24% p.a. |
Min credit limit | $6,000 |
Max credit limit | $100,000 |
Card type | Mastercard |
Foreign currency conversion fee | 3.4% |
Minimum income | $35,000 |
---|---|
Available to temporary residents | No |
Joint application | No |
Bonus points | N/A |
---|
Annual fee | $49 for the first year ($99 thereafter) |
---|---|
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 |
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.
2 Comments
November 15, 2021
Can i transfer a 15,000 credit card debt from humm MasterCard?
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.
Chris