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.
Citi Clear Credit Card – Balance Transfer Offer

- 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.
Pros
-
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
Cons
-
Balance transfer reverts to a high 22.24% p.a. cash advance rate
-
No rewards program or travel insurance
Details
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 |
Eligibility
Available to temporary residents | No |
Minimum income | $35,000 |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
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 |
Your reviews

Amy Finder
Editor
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Richard Whitten Finder
July 26, 2023
Generally you can ask the card provider to decrease the card limit over time.

Jimmay
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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dibakar
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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Joji
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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Gary
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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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?