How to Apply for Your Citi Clear Credit Card

The Citi Clear Credit Card is designed to offer a range of benefits to those looking for a credit card with low interest rates and various rewards. With an introductory balance transfer offer of 0% p.a. for 24 months, it is an ideal choice for people looking to consolidate their debt at a low rate.

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In addition to this balance transfer benefit, the card also offers a variety of perks, such as cashback on popular subscription services, discounts on international flights, and exclusive travel offers.

These benefits make the Citi Clear Credit Card an attractive option for frequent travelers and those who like to get the most out of their purchases.

Benefits of the Citi Clear Credit Card

• 0% p.a. Balance Transfer for 24 Months: One of the most significant benefits of the Citi Clear Credit Card is the 0% p.a. balance transfer rate for the first 24 months. This feature allows cardholders to move balances from other credit cards to the Citi Clear Credit Card and avoid interest charges for two years. However, it’s important to note that a 3% balance transfer fee applies. Once the 24-month period ends, the rate reverts to the card’s cash advance rate.
• BINGE Cashback Offer: Citi Clear cardholders can enjoy a $10 monthly cashback when subscribing to a BINGE service. This offer applies to both Standard and Premium plans, allowing cardholders to stream their favorite TV shows and movies while enjoying a monthly rebate. This cash-back offer is valid until 31 October 2025, making it a valuable perk for entertainment lovers.
• Discounts on International Flights: The Citi Clear Credit Card provides a 5% discount on international flights when booked through Trip.com. This discount can be applied to flights departing from Australia and is available with no blackout dates, offering substantial savings for those who love to travel. The offer is valid for bookings made by 31 December 2025, with travel to be completed by 30 September 2026.
• Luxury Escapes Offers: Citi Clear cardholders gain access to exclusive travel offers with Luxury Escapes, which includes up to 15% off limited-time hotel deals and 10% off international tours. These discounts can save cardholders up to $250 per booking, providing significant value for those booking travel through Luxury Escapes before 1 March 2026.
• Complimentary Insurances: The Citi Clear Credit Card offers complimentary insurance for eligible products purchased with the card. These insurance options include Extended Warranty Insurance and Purchase Protection Insurance, which can provide peace of mind when making significant purchases.
• My Cashback Offers: With the Citi Clear Credit Card, cardholders can take advantage of automatic cashback offers from popular stores. No opt-in or registration is required; simply shop at participating stores, and the cashback will be credited to your account automatically. This feature allows for effortless savings on everyday purchases.

What You Should Have to Apply for the Citi Clear Credit Card

To apply for the Citi Clear Credit Card, applicants must meet several eligibility requirements:

• Age Requirement: Applicants must be at least 18 years of age.
• Australian Residency: You must be a permanent resident of Australia.
• Income: A regular income is necessary. You will need to provide proof of income, such as payslips, to verify this.
• Identification: Two forms of identification are required. Acceptable forms include an Australian driver’s Licence, Passport, or Medicare Card.
• Credit History: Applicants must have a good credit history to be approved.

Meeting these criteria is essential for the smooth processing of your application, ensuring you can take full advantage of the card’s benefits.

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Citi Clear Credit Card Pros and Cons

Pros

• Balance Transfer Offer: The 0% p.a. balance transfer for 24 months is a significant benefit, especially for those looking to reduce credit card debt. The 3% fee is relatively low compared to other balance transfer options available in the market.
• Cashback Offers: The $10 monthly cashback for BINGE subscriptions, along with the My Cashback offers, provide cardholders with easy and automatic savings.
• Travel Discounts: Discounts on international flights and hotel bookings, along with luxury travel offers, add considerable value to the card for frequent travelers.
• Complimentary Insurances: The bonus of extended warranty and purchase protection insurance ensures that cardholders have security when making significant purchases.
• No Annual Fee for Additional Cardholders: Cardholders can add up to four additional cardholders to their account at no extra charge, making it a flexible option for families or groups.

Cons

• Balance Transfer Fee: While the 0% p.a. balance transfer offer is attractive, the 3% fee can add up, especially if transferring a large balance.
• Annual Fee Increase: The annual fee is set to increase to $149, effective 1 April 2025, which may be a drawback for those seeking a low-cost credit card option.
• Cash Advance Rate: The cash advance rate of 22.24% p.a. is relatively high, which can lead to significant interest charges if cash is withdrawn from the card.
• Retail Purchase Rate: The interest rate on retail purchases is 14.99% p.a., which is higher than some competing credit cards offering lower rates.

About Citibank Australia

Citibank Australia is a major global financial services provider, part of Citigroup, which is headquartered in New York. Citi has a long-standing presence in Australia, offering a range of banking services, including credit cards, loans, personal banking, and investment products.

Known for its innovative approach to financial services, Citi is committed to providing Australians with flexible, accessible, and secure banking solutions. Citibank is also renowned for its customer service, providing various channels of support to ensure a positive banking experience.

Who is the Citi Clear Credit Card Best For?

The Citi Clear Credit Card is ideal for individuals who want to manage their credit card debt through low-interest balance transfers. With the 0% p.a. balance transfer rate for 24 months, it’s a great option for those looking to consolidate their existing debts.

The card is also suitable for frequent travelers and those who enjoy entertainment, as it offers discounts on flights, travel packages and cashback on BINGE subscriptions. Its range of complimentary insurances and cashback offers also makes it appealing to those who want extra protection and rewards for their everyday spending.

Furthermore, with the ability to add additional cardholders without any extra fees, it is perfect for families or individuals who want to share the benefits of the card.

Step-by-Step Guide to Applying for the Citi Clear Credit Card

1. Ensure Eligibility: Review the criteria mentioned above, such as age, income, and residency requirements. Make sure you meet all the necessary conditions before applying.
2. Apply Online: The application process is quick and straightforward. Simply visit the Citi website and complete the online application form. It only takes about 10 minutes to submit your application.
3. Stay in Touch: Once your application is submitted, Citi will notify you about the approval status. If approved, you should receive your card within 5-7 business days.

Citi Clear Credit Card Fees and Tariffs

• Balance Transfer Rate: 0% p.a. for 24 months, with a 3% balance transfer fee. The rate reverts to the cash advance rate after 24 months.
• Annual Fee: $99, which will increase to $149 from 1 April 2025.
• Additional Cardholder Fee: $0 for up to four additional cardholders.
• Retail Purchase Rate: 14.99% p.a.
• Cash Advance Rate: 22.24% p.a.
• Interest-Free Period: Up to 44 days on retail purchases, provided there is no balance transfer.

Conclusion

The Citi Clear Credit Card is an excellent option for those looking to manage existing credit card balances with the benefit of a 0% p.a. balance transfer for 24 months.

Additionally, its range of perks, including cashback offers, travel discounts, and complimentary insurance, make it a valuable card for those who enjoy rewards.

Although it comes with an annual fee that will increase in 2025, its benefits may outweigh this cost for many cardholders. Whether you’re looking to consolidate debt or earn rewards for your spending, the Citi Clear Credit Card provides a range of benefits to suit various needs.

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