• Free bottle of award winning wine every time you dine at participating restaurants with Citibank's Dining Program.
• A low ongoing rate of 15.99% p.a.
• Up to 55 Days Interest free on retail purchases.
• Exclusive Visa Entertainment Offers - access the hottest tickets for movies, shows, sports and travel.
• Global discounts on dining and shopping - up to 25% off, special offers through Citibank World Privileges.
• A low annual fee of $65 for the primary cardholder.
• Additional cards cost $19.
• Access your account anywhere, anytime via Internet and phone banking.
• Read the terms and conditions

• No frills credit card with fairly low annual fee.
• No rewards or perks to speak of.

How does the Citibank Clear Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	Citibank Clear Credit Card	15.99%	21.74%	$65	-%	- months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

The Citibank Clear credit card is a very accessible, cheap and straightforward credit product. With its low rates and lack of complicated charges, the card is ideal for someone new to credit, such as a student or someone setting out at the start of their career. That said, most customers will find the card’s low rates and simplicity a huge bonus.

Pros

The main advantage of the Citibank Clear credit card is its low charges. It has a very affordable annual card fee of just $65 p.a., meaning that people on a variety of income levels will be able to afford one. Additionally, the card has a relatively low interest rate for purchases (15.99% p.a.), which is ongoing; no misleading introductory offers, no sudden hiking in interest rates, and so, no nasty surprises on your statement in six month’s time.

This is the kind of card customers can take out, use and not worry about, with no need to start switching cards or haggling for better deals in a matter of months. The purchase interest rate is not as low as some other Citibank products, but then, where the purchase rate is lower, the annual fee is higher. Either way, the rates are very reasonable.

The card comes with 55 days interest free period on retail purchases, helping to keep costs down for customers who tend to pay off their debt in full at the end of each monthly period. Account access is very convenient, with customers able to check their balance and make payments via both internet and phone.

Cons

This is not the best card for every kind of customer out there. The Citibank Clear credit card comes with very few freebies, extras or rewards, so if customers are looking to accrue frequent flyer points and other benefits, they might be best off with another, more rewarding but complicated product. This card’s balance transfer deal is also not the best on the market.

Conclusion

The basis of this card is simplicity, affordability and accessibility. It is ideal for customers on a lower or medium income, who do not regularly travel internationally and are looking to simply use the card to give them a little breathing space when paying for monthly purchases. If used in this way, the card can be extremely useful.

For customers who do not want to be bothered with the hassle of accruing frequent flyer points, or trying to understand complicated reward programmes, and simply want a card that helps them spend their money more wisely and cheaply, this is a fantastic option. The application process is simple, quick and available online; why not give it a go now and see if you are eligible?