Citi - Clear Credit Card
Balance Transfer offer
The Citi Clear credit card has annual fee of $99. There are 55 days interest-free on retail purchases (provided there is no balance transfer). There is an introductory 0% p.a. balance transfer rate for the first 28 months (reverting to 22.24% p.a.). The balance transfer fee of 2%. The purchase rate is 14.99% p.a.
On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.
An introductory interest rate of 0% p.a. on balance transfers for the first 28 months.
Annual Fee
$99 per year
Balance Transfer
0% for 28 months reverts to 22.24% p.a.
2% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
2% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
Purchase Rate
14.99% p.a.
Interest Free Period
up to 55 days
Details
Card Type
Mastercard
Minimum Repayment
2% or $30
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$2,000
Maximum Credit Limit
$100,000
Fees
Annual Fee
$99
per year
Late Payment Fee
$30
per statement
Cash Advance Fee
3.50% or $3.50
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 4
additional holders
Rates
Purchase Rate
14.99% p.a.
Cash Advance Rate
22.24% p.a.
Balance Transfer
Balance Transfer
0% for 28 months
reverts to 22.24% p.a.
2% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
2% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
Balance Transfer Limit
80%
of credit limit
Balance Transfer Fee
2%
per transaction
Transfer Interest Free Days
No
Overseas Spending
Foreign Currency Conversion Fee
3.40%
per transaction
Overseas Cash Advance Fee
3.40%
per transaction
Eligibility
Minimum Age
18
years old
Temporary Residents
No
Joint Application
No
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
The target market for this Product is individuals who:
- are seeking a line of credit facility for everyday spending that has a low interest rate
- meet eligibility criteria and serviceability requirements for the Product
- are likely to carry a balance and look to take advantage of reduced interest rates and/or instalment repayments on a Fixed Payment Option or a Balance Transfer (including holding a Balance Transfer for longer than the period during which a reduced interest rate applies).
Visit Citi to view Target Market Determination Effective From: 2023-09-30.
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