Citi Clear Credit Card

On Citi's website

Citi Clear Credit Card

2.8

Balance transfer

20 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$99.00 p.a. ongoing

Highlights

  • 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a.
  • Has a low ongoing purchase rate, making it more affordable for everyday spending.
  • Includes complimentary insurance including Extended Warranty Insurance and Purchase Protection Insurance. See Terms and Conditions here.

Pros and cons

Pros

  • Long interest-free balance transfer period (20 months).
  • Add up to 4 cardholders for free, making it a great option for most families.
  • My Cashback offers are personalised and require no opt-in or registration.
  • 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program, but this card is about simplicity.
  • High revert rate on balance transfers (22.24% p.a.).
  • Purchases have no interest-free days while there's a balance transfer.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$100,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
20 months
Balance Transfer Fee Percentage
2%

Balance transfer conditions

Balance Transfer From Personal Loan
Yes
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
22.24%

Rates, fees, charges

Cash advances

Cash Advance Rate
22.24% p.a.
Cash Advance Fee
$3.50
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
14.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$99.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$0.00
Foreign Exchange Fee Percentage
3.4%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Convenient and offers some rewards

    Reviewed by Anon

    Okay card

    Reviewed by Kristine

    Easy credit

    Reviewed by dodgy23

    Citibank are OK

    Reviewed by Overseas problems

    Was good at the start then they hit you

    Reviewed by Anno

    Best of all time

    Reviewed by Yvonne Dent

    Citi delivers

    Reviewed by Anon

    It's a great card, I love it

    Reviewed by Anon

    Monthly fees are high

    Reviewed by Tony

    Rewards and online transactions

    Reviewed by Ankit

    I wish I never got this card

    Reviewed by Tony

    Benefits, low interest, no frills

    Reviewed by Timothy

    All fees are too high

    Reviewed by Tony

    Late fees are a joke

    Reviewed by James

    Easy to use, great rewards

    Reviewed by Nadine

    High fees and penalties

    Reviewed by Tony

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    This credit card is listed in these comparisons

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business