Compare the Best Credit Cards In 60 Seconds

Credit Cards

Go to site

citi

0% p.a. for 24 Months on balance transfers

citi Clear Credit Card (balance transfer offer)

Balance transfer

0% for 24 months

Purchase rate

14.99%

Annual fee

$99 per year

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.

Highlights

Enjoy 0% p.a. for 24 months with 3% balance transfer fee. Reverts to cash advance rate. Please note, no interest-free days apply to retail purchases while you have a balance transfer.

Enjoy a low ongoing variable purchase rate of 14.99% p.a.

Enjoy 10% off (up to $250) Limited Time Lux Exclusive hotel offers until 1 March 2025

Get $10 cashback every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription. Stream the TV shows and movies everyone is talking about.

Access complimentary insurance for eligible products purchased, including Extended Warranty Insurance and Purchase Protection Insurance.

Get 5% off international flights from Australia with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.

Main features

Rate type

Rate %

Duration

Purchases

14.99% p.a.

Fees

Fee type	Fee %	Min fee $
Cash advances	3.5%	$3.5

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	$99	per year
Monthly fee	-	-

More information

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.

You'll be able to use the credit card overseas 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.

Terms & conditions

Total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred with this offer within 3 months from card approval, and the balance transfer fee, for a period of 24 months, commencing from the date the balance transfer is processed. The balance transfer fee is 3% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citi branded unsecured credit products. Please note, you will be charged interest on retail purchases while you have a balance transfer.

Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326). The financial products compared on this website do not necessarily compare all features and products in the market that may be relevant to you.

Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Not all products are available to all customers. Information found on the Compare Club website is for general purposes only. Before using our website, you must review our Terms of Use, the Privacy Policy, Financial Services Guide (Life Insurance Products), Financial Services Guide (General Insurance) and Credit Guide (Home Loans).

Compare Club acknowledges the traditional owners of the lands on which we work. We pay our respect to Elders past, present and emerging, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

While we endeavour to provide information that is accurate and up to date, we make no warranties or representations about the accuracy, completeness, reliability or suitability of the information, graphics, products or services offered or contained on the website. Therefore, any reliance placed on the information provided on the CompareClub website is at the user's own risk. When reviewing offers from external websites or companies, please review their terms and conditions. We have no control over these companies, their offers, website content, products/services, or the availability and nature of their products/services. Links found on the CompareClub website do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party.