Citi Clear Credit Card

Citi Clear Credit Card
  • 0.9% p.a. on balance transfers for 15 months (no balance transfer fee). Balance transfer reverts to the cash advance rate (currently 22.24% p.a.)
  • 0.9% p.a. on purchases for 15 months. Reverts to the variable retail purchase rate, currently 14.99% p.a.
  • Free wine when you dine with the Citibank Dining Program
  • Offer ends 31 October 2020
purchase rate
0.90%

p.a. for 15 months

then 14.99% p.a.

balance transfer
0.90%

p.a. for 15 months

then 22.24% p.a.

annual fee
$99

ongoing

interest free days
55

maximum on purchases

cash advance rate
22.24%

per annum

credit limit
$6,000

minimum

Features

  • Free Extended Warranty Insurance
  • Free Accidental Damage Insurance
  • Free Overseas Travel Insurance
  • Free Transport Accident Insurance
  • Free Travel Inconvenience Insurance
  • Free Rental Car Damage Liability Waiver Insurance
  • Shopper's Protection Insurance
  • Concierge Service

Other fees

Supplementary card fee$0
International transaction fee on purchases3.40%
Late payment fee$30
Cash advance feeThe greater of 3.50% or $3.50
Duplicate statement fee$0

Things you should know

Minimum qualifying income (p.a.)$35,000
Minimum repaymentThe greater of 2.00% or $30

Product Specific Terms and Conditions

Your total balance transfers may not exceed 80% of your credit limit. The promotional rate of 0.9% p.a. applies to balances transferred with this offer at point of application for a promotional period of 15 months. The 15 month promotional period commences once the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you are not entitled to any interest-free days on retail purchases while you have a balance transfer. This means all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 October 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

The promotional rate of 0.9% p.a. applies to retail purchases for a promotional period of 15 months from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 14.99% p.a., will apply to any outstanding retail purchases and any new retail purchases.Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 October 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

To access the full Terms and Conditions related to this product, click here.

Credit Savvy may be compensated by Citi for offers that appear on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.

Editorial Note: Opinions expressed on this site are the author’s alone and have not been reviewed, approved or otherwise endorsed by Citi.

Important Information

Products shown are only a selection and not representative of all lenders or products in market. All product applications are subject to the provider's credit criteria, approval and terms and conditions. Conditions, fees and charges may apply. Interest rates are subject to change and some products may have lower introductory rates which revert to higher rates after a set period of time. You should consider your needs, along with the product's terms and conditions before making a decision to apply for a product.

Once you click on a link or apply for a certain product you will be dealing with the provider and not us. We do not accept any liability in respect of any product from any provider.

This is an information service only and we do not provide advice or take into account your personal circumstances, financial situation or needs. The display or order of products (including any 'Sponsored Featured Product') is not an indication of product ranking or suitability or a suggestion or recommendation based on your personal information, requirements or eligibility. Commercial arrangements we enter into with providers (including any payments we receive from them for displaying their products) and other factors may influence which products we display and in what order. The ‘Sponsored Featured Product’ is a paid promotional placement.

Credit Savvy endeavours to provide accurate information and no responsibility is taken for errors or oversights. The results from any calculations, such as indicative monthly repayments, are estimates only and should be used for general information purposes.

We act as a credit intermediary and do not provide personal financial, legal or tax advice, or credit assistance of any form. Any content featured on the site is of a general and informative nature only and does not take into account your personal objectives, financial situation or needs. You should consider your needs, along with the product's terms and conditions before making a decision. We do not accept any liability in respect of any product or service which you elect to acquire from any provider.

© 2021 CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 and Australian Credit Licence 516487, trading as Credit Savvy Australia.
Credit Savvy is a trademark of CBA New Digital Businesses Pty Ltd. CBA New Digital Businesses Pty Ltd is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.

Your security is extremely important to us. Your data is encrypted and we work with industry leading experts to keep your details safe.