Clear card image

Citi Clear Credit Card

Advertiser disclosure
Purchase rate
14.99% p.a.
Balance transfer rate
0% p.a. for 15 months and then 22.24% p.a.
Annual fees
$99 $49 in the first 0 years
Interest free days on purchases
55

Mozo editorial review Citi Clear Credit Card

Last updated: 29 March 2021.

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What's hot
  • 14.99% purchase rate
  • 0% interest on balance transfers (for 15 months)
  • 2020 Mozo Experts Choice Award winner
  • $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 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 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 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 (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 31 August, 2021. 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. 

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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!

Details

Rates and fees information correct as at 6 May 2021 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 15 months and then 22.24% p.a.

  • yes

  • 22.24% p.a.

  • 55

Fees
  • $99.00

  • $49 in the first 0 years

  • 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

Other benefits

Receive $250 cashback when you spend $3,000 on eligible purchases within 90 days. For new applications made by 31 August 2021.

Customer Reviews

How are Citi credit cards rated by the Mozo community?

Overall
5.1/10

Based on 1291 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

Thumbnail icon for 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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