Citi Clear Platinum

14.99% p.a.

No current offer

$99

Citi Clear Platinum Review

Rates and fees information correct as at 21 April 2018.

Review published: 18 April 2013

What's hot:

  • Complimentary insurances like purchase protection and extended warranty

  • Free bottle of wine when you dine at partner restaurants

  • Mozo Experts Choice Award 2017

What's not:

  • High cash advance rate

Mozo snapshot:

Before you see 'free wine' and run off to apply for the Citi Clear Platinum credit card take a minute to soak up the other striking features such as a low 14.99% purchase rate, a low annual fee of $99 and a range of complimentary insurances. Better yet, the Mozo Experts were so impressed by Citi's Clear Platinum card that they awarded it a 2017 Mozo Experts Choice Award for Best Low Rate Platinum Credit Card. 

Key features:

The Citi Clear Platinum was awarded an Experts Choice Award 2017 for its low ongoing purchase rates of 14.99%, one of the lowest in the market for a platinum card. The $99 annual fee is one of the lowest around for a platinum credit card. Just be sure to take advantage of the benefits included with the card such as free wine and insurances.

If you're heading overseas, you'll be able to use the credit card wherever Visa 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 Platinum but this is standard and no deal breaker.

As a Clear Platinum 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 purchases 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 Clear Platinum 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 and even a Sydney Bridge climb. You can even get discounted movie tickets. In addition, you get access to the Visa Platinum Privileges program which gives you access to special offers that are much harder for everyday card holders to obtain. 

Who it's good for:

The Citi Clear Platinum will no doubt knock the socks off anyone who loves a good savings deal with its low purchase rate and those who enjoy a good wine from time to time.

Any catches?

Be aware of the high 21.74% cash advance rate.

How are Citi credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
5.7

Based on 379
Citi credit cards reviews

5.0 5.8 5.5 5.5 5.7

Read Citi credit card reviews by the Mozo community

Latest reviews of Citi Clear Platinum

Citi

Citi Clear Platinum credit card review

Overall rating   10 / 10

easy to use

Easy application

Full review

Easy application

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Catherine (NSW), reviewed about 2 years ago

Citi

Citi Clear Platinum credit card review

Overall rating   9 / 10

Accepted world wide.

Excellent service, easy to use product.

Full review

Excellent service, easy to use product.

    Price   5 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Martin (VIC), reviewed over 2 years ago

Citi

Citi Clear Platinum credit card review

Overall rating   1 / 10

Competitive rates but bad security

My card details from a card that was reported lost 3 years ago was used in a fraudulent transaction and Citibank let the transaction go through. They advised me to ring the merchant to stop the transaction. That would mean they can still use the...

Full review

My card details from a card that was reported lost 3 years ago was used in a fraudulent transaction and Citibank let the transaction go through. They advised me to ring the merchant to stop the transaction. That would mean they can still use the card at new merchants all the time and Citibank will still let the transaction go through on a blocked card.

    Price   4 / 10

    Features   3 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   0 / 10

Less

Cheryl (VIC), reviewed over 2 years ago

Citi

Citi Clear Platinum credit card review

Overall rating   3 / 10

Low interest rate

Dislike overseas customer service, fees are double other bank fees which are already high. Once you are a customer other financial help does not apply to you.

Full review

Dislike overseas customer service, fees are double other bank fees which are already high. Once you are a customer other financial help does not apply to you.

    Price   8 / 10

    Features   2 / 10

    Customer service   3 / 10

    Convenience   3 / 10

    Trust   4 / 10

Less

Ian (NSW), reviewed over 2 years ago

Citi

Citi Clear Platinum credit card review

Overall rating   3 / 10

High fees, charges and unflexibility service

Citibank's credit card interest rates are far too high as are the fees and charges that come with each statement. I am repaying $200 per month but the fees/charges take about half. When you make contact with them to complain or request...

Full review

Citibank's credit card interest rates are far too high as are the fees and charges that come with each statement. I am repaying $200 per month but the fees/charges take about half. When you make contact with them to complain or request clarification on something on the account, the people are hard to understand or its hard to hear them. Citibank don't support their customers as they seem to want the bottom line figures at the end of the day to look good for the bank. Citibank is very un-flexible and rarely help their customer.

    Price   5 / 10

    Features   8 / 10

    Customer service   4 / 10

    Convenience   7 / 10

    Trust   4 / 10

Less

Tony (WA), reviewed over 2 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 14.99% p.a.

  • none

  • No current offer

  • none

  • 21.74% p.a.

  • 55

Fees

  • $99.00

  • none

  • none

  • none

  • $10.00

  • 3.5%, min $3.50

  • 3.40%

  • $7.00

  • $7.00

  • $0.00

Other financial bits

  • $30.00

  • 2.0

Features

  • 4

  • none

  • none

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.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Compare other credit cards
Advertisement