Purchase rate
14.99% p.a.
Balance transfer rate
0% p.a. for 36 months and then 22.24% p.a.
Annual fees
$99 $49 in the first 0 years
Interest free days on purchases

Mozo editorial review Citi Clear Credit Card - last updated: 1 February 2022

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What's hot
  • 2021 Mozo Experts Choice Award winner
  • 0% interest on balance transfers (for 36 months)
  • $49 first year annual fee ($99 after)
What's not
  • High cash advance rate
Mozo snapshot

Before you see 'free wine' and run off to apply for the Citi Clear credit card take a minute to soak up the other striking features such as a low 14.99% purchase rate, a competitive annual fee, along with a range of complimentary insurances and other perks. These features have earned this card a 2021 Mozo Experts Choice Award for best Low Rate Platinum Credit Card. 

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Key features

The Citi Clear comes with a low ongoing purchase rate of 14.99%, one of the lowest in the market for a platinum card. Plus the $99 ongoing annual fee is also one of the lowest around for a platinum credit card, and Citi will even reduce it to $49 in the first year. 

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'll get complimentary purchase cover insurance for goods lost or stolen within 90 days for any items purchased on your card. Also included is a manufacturers warranty doubled up to 36 months on purchases. And the guaranteed pricing scheme means if you make a purchase on your card and you see it on sale at a later stage, you can get a refund on the price difference (within 60 days).

The Citi Clear card is all about privileges. You'll be able to receive a free bottle of wine every time you dine in at a partner restaurant as part of Citi's Dining Program and you'll also get discounted offers through Citi World Privileges, which includes deals for shopping, health spas, hotels and more.

Need more convincing? The value doesn't stop there, as Citi also has two special offers for new cardholders valid until 29 June, 2022. The first offer is a seriously low 0% rate on balance transfers for 15 months, though keep in mind that the balance transfer rate will revert to the high 22.24% cash advance rate after that period. The second is $250 cashback when you spend $3,000 within the first 90 days of approval. 

Who is it good for

The Citi Clear will no doubt knock the socks off anyone who loves a good credit card deal with its low purchase rate, extensive features and perks, plus its limited time balance transfer and cashback offers.

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Any catches

At the moment, this card features a high 22.24% cash advance rate, so steer clear of the ATM!


Rates and fees information correct as at 18 May 2022 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.

14.99% p.a.


0% p.a. for 36 months and then 22.24% p.a.


22.24% p.a.




$49 in the first 0 years




3.5%, min $3.50










Payment options

Apple Pay, Samsung Pay

Rewards privileges

Extended Warranty,
Purchase Protection

Other benefits

Receive $250 cashback when you spend $3,000 on eligible purchases within 90 days. For new applications made by 29 June 2022.

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