Citi Clear Platinum – Review and Application

Citi Clear Platinum cardholders can enjoy a 12.99% p.a. purchase rate, a 14-month balance transfer offer and a $0 first year annual fee.

Citi's low rate option, the Clear Platinum card combines an introductory 0% p.a. balance transfer rate for the first 14 months and $0 annual fee for the first year ($99 p.a. thereafter) if you apply by 31 March 2019. This card also offers a promotional purchase rate of 12.99% p.a. with platinum features including Visa Concierge services, complimentary purchase insurance cover and transit accident insurance.

The features and benefits of this card are attractive when considering the minimal cost associated with the account.

Product NameCiti Clear Platinum Credit Card
Balance transfer rate (p.a.)0% p.a. for 14 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.74% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)12.99% p.a.
Offer end date31 March 2019
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.4% of transaction value
Complimentary Travel InsuranceNo
Minimum Income$35,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$0 p.a. 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$10
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.4% of transaction value
Cash Advance Fee3.5% of transaction amount
Overseas Cash Advance Fee$5
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders4


  • The annual fee will be waived for the first year ($99 p.a. thereafter).
  • Benefit from a 0% p.a. interest on balance transfers for the first 14 months with no BT fee.
  • A platinum credit card which offers a discounted interest rate of 12.99% p.a. on purchases (normally 14.99% p.a.).
  • Access to Platinum Visa benefits and enjoy Citibank Dining Program that lets you enjoy a free bottle of wine from award-winning wineries every time you dine at a participating restaurant and pay with your Citi card.


  • Promotional balance transfer rate reverts to a high cash advance rate of 21.74% p.a.

Benefits of the Citi Clear Platinum card

The Citi Clear Platinum card has a nice collection of benefits from low rates and interest-free days to platinum benefits. Some of the main benefits of this card are:

  • $0 first year annual fee. If you apply by 31 March 2019, the annual fee will be waived in the first year (saving you $99 p.a.).
  • Balance transfer offer. Consolidate existing debts with 0% p.a. interest for the first 14 months (with no balance transfer fee) if you apply by 31 March 2019. Any unpaid balance after the promotional period ends will be charged at the variable cash advance rate (currently 21.74% p.a.). You can transfer debt from Australian non-Citi credit cards and personal loans up to 80% of your approved credit limit.
  • Low purchase rate. This card offers a competitive promotional purchase rate of 12.99% p.a.
  • Complimentary insurance. Cardholders can enjoy peace of mind when covered by complimentary insurances including transit accident insurance, purchase cover insurance, extended warranty insurance and guaranteed pricing scheme.
  • Platinum benefits. Platinum benefits include 24-hour concierge service, Citibank Dining Program, Citi World Privileges, Visa Platinum privileges and more.
  • Citibank Dining Program. The Citibank Dining Program lets you enjoy a free bottle of wine from award-winning wineries every time you dine at a participating restaurant and pay with your Citi card.
  • Mobile payment technology. The Citi Clear Platinum allows you to use your qualifying Samsung and Apple devices to make contactless payments via Samsung Pay and Apple Pay.

Features of Citi Clear Platinum card

Some of the Citi Clear Platinum credit card competitive features include:

  • Annual fee. Outside of any promotions, this card attracts a standard annual fee of $99.
  • Interest-free period. If you pay your balance in full, you can take advantage of up to 55 interest-free days on your purchases.
  • Additional cards. Customers can get up to 4 additional cards at no extra cost.
  • Credit limit. Customers can be approved for a credit limit up to $100,000 depending on their individual circumstances.

How to apply for the Citi Clear Platinum credit card

If you’re eligible and decide the Citi Clear Platinum Visa is the right card for you, you can find out more and apply by completing the secure online application form and by filling out your details. A new application should take between 10 to 15 minutes to complete.

Eligibility criteria

  • Be over 18 years of age
  • Have a good credit rating
  • Be a permanent Australian resident
  • Earn a minimum taxable annual income of $35,000
  • You will need to provide an email address to start the application

Required documents

  • Personal details, including your driver's license number
  • Contact details, including address, phone numbers and email address
  • Employment details, including time spent at your current job and your employer’s contact details and address
  • Details of your income and expenditure, including recurring expenses such as rent, and school fees
  • Details regarding any existing credit cards you own

The Citi Clear Platinum card could be a valuable way to try platinum features for a minimal cost. As this is not the only low rate platinum card on the market, applicants should compare their options to confirm which card is best for them.

Frequently asked questions

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80 Responses

  1. Default Gravatar
    AshishSeptember 24, 2018


    Can the balance transfer be done to a bank account or it has to be a credit card only?
    If it has to be credit card, assuming the outstanding on the old CC was zero and it was credited with balance transfer of $5,000, can I transfer the balance from my old card to my bank account?


    • finder Customer Care
      JoshuaSeptember 27, 2018Staff

      Hi Ashish,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      A balance transfer is usually done from one credit card to another (though in some instances, a personal loan can also be transferred to a credit card). You

      If your old credit card does not have any balance, then a balance transfer won’t be possible and therefore, it won’t be possible for you as well to get your balance from your new card to a bank account.

      What you can do is discuss what you need to your bank and from there, they should be able to suggest possible options for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. finder Customer Care
    LouDecember 13, 2016Staff

    Hi Sealz,

    Thanks for reaching out.

    Generally, when you applied for a credit card and are approved, the account is already open, regardless if you activate your card or not. The annual fee will be charged to you on the first billing period.


  3. Default Gravatar
    BuddhikaFebruary 11, 2016

    0% balance transfer for 9 months offer :

    Do I need to transfer the intended balance at the application stage or is it possible to transfer debt during the 9 months window as required to get 0% benefit?


    • finder Customer Care
      JonathanFebruary 12, 2016Staff

      Hi Buddhika, thanks for your question!

      The 0% p.a. promotional balance transfer rate applies for the first 9 months on balances from card approval and must be requested at point of application.



  4. Default Gravatar
    PhilJune 3, 2015

    Can you offer any frequent flyer points with this offer?

    Thank you

    • finder Customer Care
      sally.mcmullen@hiveempire.comJune 4, 2015Staff

      Hi Phil,

      Thank you for your question.

      Just to confirm, you have come through to, not Citibank.

      However, we can confirm that you can only earn frequent flyer points through the Citibank Rewards Credit Card, not the Citibank Clear Platinum card. Citibank Rewards cards offer you the choice of earning Qantas Frequent Flyer points on your signature or Citi Prestige credit card by joining Citibank Qantas Rewards.

      You can compare the Citibank Platinum Rewards Credit Card here.

      I hope this has answered your question.



  5. Default Gravatar
    May 17, 2015

    Is there a reward programme involved. Thanks mate

    • finder Customer Care
      JonathanMay 18, 2015Staff

      Hi Jay, thanks for your inquiry!

      Even though there is no specific rewards points earnings program associated with this credit card, other reward benefits include Citibank Dining Program, Personal 24 Hour Concierge Services, Citi World Privileges and VISA Platinum Privileges. You may like to refer to the following link for comparing other Rewards credit cards.



  6. Default Gravatar
    NathanFebruary 28, 2015

    The 0% interest for first 9 months apply for cash advances or just card purchases?

    • finder Customer Care
      JonathanMarch 2, 2015Staff

      Hi Nathan, thanks for your inquiry!

      The promotional rate of 0% for 9 months is only for balance transfers and purchases. Cash advances are charged at 21.74% p.a.



  7. Default Gravatar
    terrieSeptember 25, 2014

    are regular payments, health insurance,life insurance etc , classed as purchases or cash advances.
    thank you

    • finder Customer Care
      ShirleySeptember 26, 2014Staff

      Hi Terrie,

      Thanks for your question.

      Generally they will be processed as purchases, unless you’ve paid for them over the counter at banks, another financial institution, or a post office.

      It’s also considered as a cash advance if you’ve used internet banking to transfer available credit from your credit card account to another account.


  8. Default Gravatar
    lianaSeptember 3, 2014

    Hi there, can I use this card overseas? thanks

    • finder Customer Care
      ShirleySeptember 5, 2014Staff

      Hi Liana,

      Thanks for your question.

      Yes you can use this card overseas. However, please note that transactions in a foreign currency will incur a currency conversion fee.


  9. Default Gravatar
    ECJuly 1, 2014

    I’m trying to consolidate my current debt, I have applied on line for your interest free period low rate card but haven’t received a conditional approval and your bank want me to supply multiple docs without a conditional approval. I don’t want to waste my time sending in multiple docs without a conditional approval

    • finder Customer Care
      ShirleyJuly 2, 2014Staff

      Hi EC,

      Thanks for your question.

      This decision is ultimately up to you; if you feel as though its a waste of time then you’re not forced to submit documentation. However, there is always the chance that your application my be approved if you meet their criteria.

      May be a good idea to speak to Citibank first to enquire about your eligibility.


  10. Default Gravatar
    AnyaJune 10, 2014

    I’m interested to know if I can transfer a balance onto an Australian credit card from an American credit card?

    Thank you!

    • finder Customer Care
      ShirleyJune 11, 2014Staff

      Hi Anya,

      Thanks for your question.

      Unfortunately the balance must come from an Australian credit card or store card.

      Please see this page for more information.


Credit Cards Comparison

Rates last updated December 17th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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