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Citi Clear Credit Card

The Citi Clear Credit Card offers 0% p.a. for 24 months on balance transfers.


Updated 3 July 2025


Fact checked and verified. Updated 3 July 2025
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Expert Review

The Citi Clear credit card is one of Citi's mid-tier No Reward Points products. Featuring a $149 annual fee, including up to 44 interest free days.

Considering its key features, this card is most suitable to someone who wishes to minimise the fees charged, particularly the annual fee. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Balance Transfer.
For a limited time the Citi Clear credit card has a special 0% p.a. Balance Transfer offer for 24 months. Of note, there is also a 3% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
The low-rate card that’s loaded with perks."
- Citi
Rewards

•

No rewards program

Fees
Account Fees

•

$149 annual account fee

Additional Cardholder Fees

•

No additional cardholder fee

•

Up to 4 additional cardholders

Transaction Fees

•

3.40% international transaction fee

Other fees may apply.

Rates

•

14.99% p.a. variable purchase rate

•

22.24% p.a. variable cash advance rate

•

Up to 44 interest free days on purchases

Features
Insurance

•

Guaranteed Pricing Scheme

•

Purchase Cover Insurance

•

Extended Warranty Insurance

•

Transit Accident Insurance

Offers
Balance Transfer Offer

0% for 24 monthson balance transfers (3.00% BT fee applies), reverts to 22.24% p.a.

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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Citi website.

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