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 – Exclusive Offer

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Citi Clear Card - Exclusive Offer
Terms and conditions apply
Balance transfer rate for 24 months with 1.5% balance transfer fee
0% p.a.
Purchase rate
14.99% p.a.
Annual fee for the first year ($99 p.a. thereafter)
$49 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers 0% interest on balance transfers for 24 months and a discounted $49 annual fee in the first year, which goes to $99 after that.

This Citi Clear Credit Card offer gives you a way to pay off existing debt interest-free for the first 2 years when you apply through the link on Finder. Citi also accepts balance transfers from personal loans and lines of credit as well as credit cards. So if you’re paying interest on a few different accounts, you could consolidate them with this offer. Just keep in mind that there is a 1.5% balance transfer fee, which would add $75 for a $5,000 transfer (as an example).

Pros

  • 0% p.a. on balance transfers for 24 months
  • Discounted $49 first-year annual fee
  • Extended warranty and purchase insurance options
  • Up to 4 additional cardholders at no extra cost

Cons

  • Charges a one-time 1.5% BT fee
  • Balance transfer reverts to a high 22.24% p.a. cash advance rate
  • $99 annual fee after the first year
  • 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 offers simple credit card features and a few extra perks for purchases, including complimentary insurance options. Its 14.99% p.a. interest rate for purchases is also at the lower end of the scale. But you won’t be eligible for interest-free days on purchases if you have a balance transfer.

Details

Product details

Product Name Citi Clear Card - Exclusive Offer
Balance transfer rate p.a. 0% for 24 months with 1.5% balance transfer fee, then 22.24%
Balance transfer limit 80% of available limit
Purchase rate p.a.
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

Minimum income $35,000
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$49 first year ($99 after)
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $30
Foreign currency conversion fee
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 if you meet the eligibility criteria and have the necessary information on hand:

Eligibility criteria

  • Apply through the link on Finder. This 0% balance transfer and discounted first-year annual fee offer is only available when you apply through the link on Finder.
  • 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.

Card benefits

  • Balance transfer offer. You can consolidate existing debts with a 0% interest rate for the first 24 months, with a one-time 1.5% balance transfer fee when you apply through the link on Finder, 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.
  • Reduced first-year annual fee. This offer gives you a way to save on account costs, with a $49 first-year annual fee. After that, the annual fee is $99.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a $99 annual fee.
  • 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

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Amy Finder

Editor

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Avatar

Jess

January 03, 2024

Can we link this card to ABN for small business use?


Avatar

Amy Bradney-George Finder

January 15, 2024

Hi Jess,

This credit card is set up for personal use, so you can’t technically link it to your ABN. But it is possible to use a personal credit card for business expenses. You can learn more about different options in Finder’s guide to business credit cards. You may also want to discuss your plans with an accountant or the credit card brand. I hope this 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?


Avatar

Richard Whitten Finder

July 26, 2023

Generally you can ask the card provider to decrease the card limit over time.


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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


Avatar

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?


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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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