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Citi Clear Credit Card

Purchase rate
0.90% p.a. for 15 months then 14.99% p.a.
Balance transfer rate
0.90% p.a. for 15 months and then 22.24% p.a.
Annual fees
$99
Interest free days on purchases
55
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Mozo editorial review Citi Clear Credit Card

Last updated: 15 October 2020.

binocular icon
What's hot
  • 14.99% purchase rate
  • 0.90% on purchase and balance transfers (for 15 months)
  • 2020 Mozo Experts Choice Award winner
  • Low $99 annual fee
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 reasonable $99 annual fee, along with a range of complimentary insurances. These features have earned this card a 2020 Mozo Experts Choice Award in the best Low Rate Platinum Credit Card category. 

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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 annual fee is also one of the lowest around for a platinum credit card. 

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 but this is standard and no deal breaker.

As a Citi Clear card holder you'll get top insurance coverage with up to $200,000 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 12 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.

The Citi Clear card is all about privileges. Receive an award winning bottle of wine every time you dine in a partner restaurant as part of Citi's Dining Program and you'll also get 25% off offers available on Citi World Privileges, which includes deals for shopping, health spas, a Sydney Bridge climb and even discounted movie tickets.

Need more convincing? The value doesn't stop there, as Citi also has a special offer for new cardholders valid until 31 October, 2020. The offer is a seriously low 0.90% rate on purchases and 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.

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Who is it good for

The Citi Clear will no doubt knock the socks off anyone who loves a good savings deal with its low purchase rate, extensive features and its low rate introductory offer of just 0.90% for purchases and balance transfers.

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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!

Details

Rates and fees information correct as at 22 October 2020 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.

  • 0.90% p.a. for 15 months

  • 0.90% p.a. for 15 months and then 22.24% p.a.

  • 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

Customer Reviews

How are Citi credit cards rated by the Mozo community?

Overall
5.2/10

Based on 1280 Citi credit card reviews

Price
4.8/10
Features
5.5/10
Customer service
4.9/10
Convenience
5.0/10
Trust
5.2/10

Latest reviews of Citi Clear Credit Card

  • Overall 7/10
    Great!

    I like this bank because they offer low rates, and the interest free period of 18 months on my credit card was much longer than what other banks offered.

    Read full review

    I like this bank because they offer low rates, and the interest free period of 18 months on my credit card was much longer than what other banks offered.

    Price
    7/10
    Features
    -1/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    7/10
    Less
    Jordan, Victoria reviewed 22 days ago
  • Overall 3/10
    Won’t help me reduce my debt

    They won’t let me combine my credit card with the loan I already have with them.

    Read full review

    They won’t let me combine my credit card with the loan I already have with them.

    Price
    5/10
    Features
    5/10
    Customer service
    1/10
    Convenience
    5/10
    Trust
    2/10
    Less
    Andrew, New South Wales reviewed 24 days ago
  • Overall 8/10
    Low interest rates and helpful customer support.

    Have found the customer support staff to be helpful and understanding in times where payment is going to be late. They have offered assistance. Be aware of low rate balance transfers reverting to higher than usual rate after transfer term has ended, pretty sure this applies to most banks though.

    Read full review

    Have found the customer support staff to be helpful and understanding in times where payment is going to be late. They have offered assistance. Be aware of low rate balance transfers reverting to higher than usual rate after transfer term has ended, pretty sure this applies to most banks though.

    Price
    8/10
    Features
    0/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Lorraine, Queensland reviewed 11 months ago
  • Overall 10/10
    Great card

    Great service.

    Read full review

    Great service.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    6/10
    Less
    Jason, Western Australia reviewed about 1 year ago
  • Overall 8/10
    Been with them for a long time

    I am not fully happy with them

    Read full review

    I am not fully happy with them

    Price
    9/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Leo, Queensland reviewed over 3 years ago
Citi

About Citi

Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

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