The Citi Clear credit card currently has one of the longest 0% balance transfer offers on the market when you apply and are approved. It also has a purchase interest rate of 14.99% p.a., which is competitive with other low rate cards that offer complimentary insurance and other perks. But you will be charged interest on retail purchases if you have a balance transfer.
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Citi Clear Credit Card – Balance Transfer Offer
Terms and conditions apply
- Balance transfer rate for 28 months with 2% balance transfer fee
- 0% p.a.
- Purchase rate
- 14.99% p.a.
- Annual fee
- $99 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers 0% interest on balance transfers for 28 months, but make sure you factor in the 2% balance transfer fee.
Pros
-
0% p.a. on balance transfers for 28 months with a one-time 2% BT fee
-
Extended warranty and purchase insurance options
-
Up to 4 additional cardholders at no extra cost
Cons
-
Balance transfer reverts to a high 22.24% p.a. cash advance rate
-
No rewards program or travel insurance
Details
Product details
| Product Name | Citi Clear Card - Balance Transfer Offer |
| Balance transfer rate p.a. | 0% for 28 months with 2% balance transfer fee, then 22.24% |
| Balance transfer limit | 80% of available limit |
| Purchase rate p.a. | Purchase rate p.a. 14.99% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 22.24% |
| Min credit limit | $2,000 |
| Max credit limit | $100,000 |
| Card type | Mastercard |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $99 |
| Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
| Late payment fee | $30 |
| Foreign currency conversion fee | Foreign currency conversion fee 3.4% |
| Cash advance fee | 3.5% or $3.50, whichever is greater |
| Overseas cash advance fee | $5 |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 4 |
On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.
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Amy Finder
Editor
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Sarah Megginson Finder
April 24, 2024
Hi Ela,
I’m not sure what your question is, but you would need to apply for the balance transfer at the time of applying.
Hope this helps!
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Ela
April 23, 2024
Do I need to make a apply for this card to be balance transfer that I have credit card how much change to be get it