Clear - Balance Transfer Offer card image
Mini meca 2023

Citi Clear Credit Card

Advertiser disclosure
The details shown below are for a card without rewards
The details shown below are for a card without rewards

Choose the version of this credit card that suits you best

Name Rewards program
Clear - Balance Transfer Offer n/a
Clear - Purchases Offer n/a
  • Clear - Balance Transfer Offer
    Rewards: n/a
  • Clear - Purchases Offer
    Rewards: n/a
Purchase rate
14.99% p.a.
Balance transfer rate
0% p.a. for 28 months and then 22.24% p.a. (2.00% balance transfer fee)
Annual fees
$99
Interest free days on purchases
55
Purchase rate
0% p.a. for 6 months then 14.99% p.a.
Balance transfer rate
No current offer
Annual fees
$99 $0 in the first year
Interest free days on purchases
55

Mozo editorial review Citi Clear Credit Card - last updated: 5 February 2024

binocular icon
What's hot
  • 2023 Mozo Experts Choice Award winner
  • $99 annual fee
  • Offer 1: 0% p.a. purchase rate for first 6 months (14.99% p.a. thereafter)
  • Offer 2: 0% interest on balance transfers for 28 months, then reverts to cash advance rate (2% fee applies)
What's not
  • No rewards points
  • 3.40% foreign exchange margin
Mozo snapshot

Citi’s Clear credit card comes with a competitive annual fee of $99, a 14.99% p.a. purchase rate, and other perks that have earned this card a 2023 Mozo Experts Choice Award for best Low Rate Platinum Credit Card.

key icon
Key features

The Citi Clear comes with a low ongoing purchase rate of 14.99% p.a., one of the lowest in the Mozo database for a platinum card. 

Plus the $99 ongoing annual fee is also one of the lowest around for a platinum credit card, and if you're a new customer choosing the introductory purchase rate offer, your first year annual fee will be waived (T&Cs apply, offer ends 25 October 2023).

This card has a minimum credit limit of $2,000 and a max of $100,000. 

If you're heading overseas you'll be able to use the credit card wherever MasterCard is accepted - which is pretty much at most retailers around the world. But remember, for international purchases, you'll face a 3.40% foreign exchange margin if you pay on your Citi Clear.

As a Citi Clear card holder, you may get complimentary purchase cover insurance for covered items that are lost or stolen within 90 days of the purchase date.   

Purchase Rate offer

In fact, customers who apply for a Citi Clear card could pay 0% p.a. interest on their purchases for the first 6 months (T&Cs apply, offer ends 30 April 2024). Your annual fee will also be waived for the first year ($99 annually thereafter). 

Balance Transfer offer

Pay 0% p.a. for 28 months when you transfer your balance to a Citi Premier card. After the first 28 months, the interest charged on your balance transfer will revert to the cash advance rate of 22.24% p.a (T&Cs apply) and a 2% balance transfer fee will apply.

snapshot
Who is it good for

The Citi Clear credit card is good for those looking for a card with a relatively low purchase rate compared to other premium cards on the market.

It’s also good for those looking for a lower credit limit, starting at $2,000.

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Any catches

There are unfortunately no reward points to earn with this card. Also, the revert rate (22.24% p.a.) on the balance transfer offer is significantly higher than the purchase rate.

Details

Rates and fees information correct as at 15 April 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

14.99% p.a.

none

0% p.a. for 28 months and then 22.24% p.a. (2.00% balance transfer fee)

yes

22.24% p.a.

55

Fees

$99.00

none

none

none

$30.00

3.5%, min $3.50

3.40%

$0.00

$0.00

$0.00

Features

$30.00

2.0

4

none

Payment options

Apple Pay, Samsung Pay

Rewards privileges

Concierge,
Extended Warranty,
Purchase Protection

Details

Rates and fees information correct as at 15 April 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

14.99% p.a.

0% p.a. for 6 months

No current offer

yes

22.24% p.a.

55

Fees

$99.00

$0 in the first year

none

none

$30.00

3.5%, min $3.50

3.40%

$0.00

$0.00

$0.00

Features

$30.00

2.0

4

none

Payment options

Apple Pay, Samsung Pay

Rewards privileges

Concierge,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Citi credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
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Based on 1316 Citi credit card reviews

Latest reviews of Citi Clear Credit Card

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