Citi Clear Platinum – Review and Application

Citi Clear Platinum cardholders can enjoy a low purchase rate of 14.99% p.a., up to 55 interest-free days on purchases and other platinum features.

Citi's low rate option, the Clear Platinum card combines a purchase rate of 14.99% p.a. with platinum features including Visa Concierge services, complimentary purchase insurance cover and transit accident insurance at an annual fee of $99.

The features and benefits on this card are quite attractive when considering the minimal cost associated with the card. Customers can also enjoy more purchasing power with a high credit limit of up to $100,000.

Product NameCiti Clear Platinum
Purchase rate (p.a.)14.99% p.a.
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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 on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
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
Credit Rating RequirementGood
Joint ApplicationNo
Annual fee$99 p.a.
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
Late Payment Fee$10
Cash Advance Fee3.5% of transaction amount
Overseas Cash Advance Fee$5
Foreign Currency Conversion Fee
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.
of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders4


  • A platinum credit card which offers a low interest rate of 14.99% p.a. on purchases
  • Access to Platinum Visa benefits for a low annual fee of just $99
  • 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.


  • This credit card does not currently offer any introductory rates on purchases and balance transfers.

Citi Clear Platinum review

This card provides offers premium features like transit accident and purchase cover insurance and a 24/7 concierge while keeping the annual fee and purchase interest rate at a minimum. Unlike many other platinum cards, this card doesn’t come with a rewards program or complimentary travel insurance, which could be a downfall for frequent travellers.

Benefits of the Citi Clear Platinum card

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

  • Low purchase rate. This card offers a competitive standard purchase rate of 14.99% 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.
  • Interest-free period. If you pay your balance in full, you can take advantage of up to 55 interest-free days are provided on this card.
  • 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.
  • Eligible for Samsung Pay. Citi Clear Platinum now allows you to use your qualifying Samsung device to make contactless payments. Learn more here.

Features of Citi Clear Platinum card

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

  • Annual fee. This card attracts an annual fee of $99.
  • PayWave. This contactless technology allows cardholders to complete purchases up to $100 by tapping their card at a PayWave terminal without the hassle of a PIN or signature.
  • Additional cards. Customers can get 4 additional cards at no extra cost.
  • Higher credit limit. Much higher than your general no-frills card, customers can get credit limit up to $100,000 depending on their individual application.

How to apply for the Citi Clear Platinum credit card

If you’re eligible and feel 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 credit limit you wish to apply for

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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78 Responses

  1. Staff
    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.


  2. 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?


    • Staff
      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.



  3. Default Gravatar
    PhilJune 3, 2015

    Can you offer any frequent flyer points with this offer?

    Thank you

    • Staff
      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.



  4. Default Gravatar
    May 17, 2015

    Is there a reward programme involved. Thanks mate

    • Staff
      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.



  5. Default Gravatar
    NathanFebruary 28, 2015

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

    • Staff
      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.



  6. Default Gravatar
    terrieSeptember 25, 2014

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

    • Staff
      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.


  7. Default Gravatar
    lianaSeptember 3, 2014

    Hi there, can I use this card overseas? thanks

    • Staff
      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.


  8. 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

    • Staff
      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.


  9. 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!

    • Staff
      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.


  10. Default Gravatar
    terryApril 30, 2014

    I do not have the facilities to apply online . which bank can do an application in house for a Citibank card

    • Staff
      ShirleyMay 1, 2014Staff

      Hi Terry,

      Thanks for your question.

      Yes, you can most definitely in a Citibank branch, or over the phone.


Credit Cards Comparison

Rates last updated March 23rd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
St.George Amplify Signature - Qantas
19.49% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
finder Exclusive: A discounted $139 first year annual fee, 90,000 bonus Qantas Points and 2 complimentary lounge passes. Ends 18 April 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 March 2018.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 31 March 2018.

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* 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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