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- Personal Loan Balance Transfers
Citi Clear Credit Card
2.8
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
Cons
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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