In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Citi Clear Credit Card – Balance Transfer Offer

  • Avatar
Citi Clear Card - Balance Transfer Offer
Terms and conditions apply
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.

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 transferred an average balance of $3,023 to this card and did not add to your credit card debt, you could save $884.28 over the 28-month introductory period, compared to what you'd pay if the average standard credit card rate of 20.07% was charged. This is based on Finder's balance transfer credit card comparison table calculator and factors in both the annual fee and the 2% balance transfer fee (which would be $60.46 in this example).


  • 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


  • Balance transfer reverts to a high 22.24% p.a. cash advance rate
  • No rewards program or travel insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Citi Clear credit card currently has one of the longest 0% balance transfer offers on the market when you apply and are approved. 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.


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


Available to temporary residents No
Minimum income $35,000
Joint application No


Bonus points N/A


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
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 as little as 10 minutes. Before you begin, check you meet the eligibility criteria and have the necessary information on hand:

Eligibility criteria

  • 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.
  • Residency. This card is only available to permanent Australian residents and citizens.

Card benefits

  • Balance transfer offer. You can consolidate existing debts with a 0% interest rate for the first 28 months, with a one-time 2% balance transfer fee when you apply online, request the balance transfer and get approved for this card. Any unpaid balance after the promotional period ends will be charged at the variable cash advance rate, currently 22.24% p.a.
  • Complimentary insurance. When you use this card for shopping, you can get access to complimentary purchase protection insurance and extended warranty insurance.

Rates & fees

  • Annual fee. 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.

Your reviews

Not enough reviews Write a review

Ask a question

Ask a question

Amy Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site