Citi Clear Credit Card: Conquer Debt and Earn Rewards – Black Cash

Citi Clear Credit Card: Conquer Debt and Earn Rewards




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The Citi Clear Credit Card is a versatile option for Australians looking to consolidate debt and earn rewards on everyday purchases. Here’s a comprehensive breakdown of its features, benefits, and user reviews to help you decide if it’s the right fit for you.

Features and Services:

  • Balance Transfer Offer: The star attraction is the extended 0% interest on balance transfers for a whopping 28 months. This allows you to tackle existing credit card debt without accruing interest, giving you breathing room to pay it down. A 2% balance transfer fee applies.
  • Purchase Rate: Enjoy a competitive interest rate (14.99% p.a.) on purchases made with your card.
  • Interest-Free Days: Get up to 55 days interest-free on purchases, provided you don’t have a balance transfer on your card.
  • Complimentary Insurance: Safeguard your purchases with complimentary Extended Warranty and Purchase Protection Insurance.
  • Rewards Program: While there’s no dedicated points program, Citibank occasionally offers exclusive cashback deals and promotions.

Credit Card Reward Policy:

The Citi Clear Credit Card doesn’t have a traditional rewards program. However, Citibank offers occasional cashback promotions and benefits like the current 10% off (up to $250) on LUX hotel stays. Keep an eye out for these limited-time offers to maximize your savings.


Users generally praise the Citi Clear Credit Card for its lengthy 0% balance transfer window, making it ideal for debt consolidation. The competitive purchase rate and complimentary insurances are additional pluses. However, some reviewers found the lack of an ongoing rewards program a drawback.

Safety Measures:

Citibank prioritizes security. Your Citi Clear Credit Card comes with chip and PIN technology for secure transactions. Citi also offers real-time fraud monitoring and alerts to safeguard your account.

Mobile and Internet Banking:

Manage your finances conveniently with Citibank’s user-friendly mobile app and internet banking platform. You can view your balance, track transactions, make payments, and access customer support – all from your fingertips.

Credit Card Application Criteria:

Unfortunately, there’s no publicly available information on the specific credit score requirement for the Citi Clear Credit Card. However, you can generally expect applicants to have a good to excellent credit history (typically a score above 670).


  • Is there a minimum income requirement for the Citi Clear Credit Card? There’s no official confirmation, but many lenders consider your income when assessing your ability to repay.
  • What are the fees associated with the Citi Clear Credit Card? There’s a $99 annual fee after the first year. Balance transfers incur a 2% fee.
  • How do I contact Citibank customer service? You can reach Citibank customer service via phone or secure message through their mobile app or internet banking platform.