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 Card - Cashback Offer - DISCONTINUED
Terms and conditions apply
Balance transfer rate for 15 months with no 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

No longer offered

The Citi Clear Card - Cashback Offer is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested. You can compare a range of other cashback credit cards here.

Pros

  • $400 cashback
  • $49 first-year annual fee (then $99 p.a.)
  • 0% p.a. on balance transfers for the first 15 months with no BT fee
  • Complimentary insurance options for purchases

Cons

  • Balance transfer reverts to the high 22.24% cash advance rate
  • No complimentary travel insurance or rewards program

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 has a 14.99% p.a. interest rate for purchases, which is lower than the average standard interest rate in Australia. The $400 cashback offer and reduced first-year annual fee can also give you extra value when you first get the card.

Details

Product details

Product Name Citi Clear Card - Cashback Offer - DISCONTINUED
Balance transfer rate p.a. 0% for 15 months, 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 $49 first year ($99 after)
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 10 minutes. Before you get started, check if 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

  • $400 cashback. Get $400 cashback when you apply by 31 May 2023 and spend $3,000 on eligible purchases within the first 90 days from card approval. Eligible purchases cover most of your everyday spending but transactions that won't count towards the spend requirement include cash advances, balance transfers, special promotions, interests, fees, refunds and chargebacks. The $400 cashback will be credited to your account within 16 weeks of meeting the spending requirement.
  • Annual fee discount. Get a discounted $49 annual fee for the first year when you apply and get approved for this card by 31 May 2023. This will revert to $99 after the first year.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard 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.

Your reviews

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Ask a question

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Amy Finder

Editor

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

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Avatar

Colin

March 29, 2019

Do any of your cards have free travel insurance?


Avatar

Mai Finder

March 30, 2019

Hi Colin,


Thank you for leaving a question with Finder.


You may refer to Citi credit cards with complimentary travel insurance. On the page is a comparison table you can use to see which card suits you. When you are ready, press the ‘Go to site’ button to apply.


If you are open to any cards that come with complimentary travel insurance, see our list of credit cards with complimentary travel insurance.


Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.


Hope this helps! 😊


Kind Regards,

Mai


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Narsh

February 07, 2019

If I want to have $5400 as transfer amount does that mean I need to apply for $6750 so it’s 80% of the approved limit? I would like the interest free to apply to the full amount of the transfer amount


Avatar

Jeni Finder

February 10, 2019

Hi Narsh,


Thank you for getting in touch with finder.


Please note that credit card issuers will decide on your credit limit based on a variety of factors including your income, credit history, personal circumstances and sometimes even the card that you choose.


You’re right that if you are thinking to transfer your non-Citibank credit card balance of $5400, your Citi Clear Platinum’s credit limit must be $6750 or higher since this card’s balance transfer limit is 80% of available credit limit. Please have your other credit card details as balance transfer is part of the application process.


I hope this helps.


Thank you and have a wonderful day!


Cheers,

Jeni


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Mahbub

January 08, 2019

If we close the Balance transfer credit card within the first year, is there any closeout fee?


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Jhezelyn Finder

January 09, 2019

Hello Mahbub,


Thank you for your comment.


Closing a balance transfer credit card generally has the same steps as closing a normal credit card. You must make sure that all balances are paid before contacting your credit card issuer regarding your intention to close the card. If not, this may leave a mark on your credit file.


You can check our guide on how to close your credit card account.


Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.


Regards,

Jhezelyn


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Jeni Finder

January 06, 2019

Hi Lorna,


Thank you for getting in touch with finder.


This Citi Clear Platinum credit card’s current offer is 0% p.a. for 14 months on balance transfers only. If you do a balance transfer and did not pay the BT balance in full after the BT period of 14 months, the remaining balance will charge an interest of 21.74% p.a. Now, if you make purchases you are charged at 12.99% p.a. unless you keep paying your monthly bill in full on or before its due date.


I hope this helps.


Please feel free to reach out to us if you have any other enquiries.


Thank you and have a wonderful day!


Cheers,

Jeni


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Prashaanth

December 18, 2018

I want to apply for this low rate CC. Please help


Avatar

May Finder

December 20, 2018

Hi Prashaanth,


Thanks for reaching out.


Just to confirm, are you interested in applying for the Citi Clear Platinum credit card? If so, you can directly apply from their main page by clicking the ‘Go to site’ button above. Please note though of the list of requirements of the card above and make sure you meet them.


In case you’d also like to check other low-rate credit cards aside from the one offered by Citi, you can use our comparison table to help you find the card that suits you. Feel free to compare the cards in the table by interest rates and annual fees. I suggest that you check and read the T&Cs of the card before you consider it’s the right one for you.


Hope this has helped.


Cheers,

May


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