Citi Clear Credit Card

On website

Citi Clear Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Benefit from 0% p.a. for 28 months on Balance Transfers (with a 2% Balance Transfer fee). Rate reverts to cash advance rate.
  • Enjoy a low ongoing variable purchase rate of 14.99% p.a.
  • Add up to 4 supplementary cardholders at zero additional expense.

Pros and cons

Pros

  • Low ongoing variable purchase rate of 14.99% p.a.
  • Includes complimentary insurance.
  • Up to 55 days interest-free on retail purchases.
  • Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers until 1 March 2025.

Cons

  • There is no rewards program on this card.
  • The annual fee of $99.

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 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
28 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

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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