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Citi Clear Card

Get something back with $250 cashback when you spend $3,000 in the first 90 days from approval.1

Apply Now
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$49 annual fee in the first year, $99 in subsequent years2
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Complimentary Purchase Cover Insurance and Extended Warranty Insurance3
dine
Enjoy a free bottle of wine when you dine and use your Citi card to pay at partner restuarants4
Citi Clear Card

>Citi Clear Card

$250
cashback

when you spend $3,000 on eligible purchases in the first 90 days from approval1

Apply now

Spend $3,000 on eligible purchases in the first 90 days from approval and you’ll get $250 credited to your account.1 Splash out on dinner, book a spa day, get some art for your walls – do whatever you want with it.

Discover the benefits of the Citi Clear credit card

Complimentary Purchase Cover Insurance and Extended Warranty Insurance

Receive complimentary insurance for eligible products purchased with your Citi Clear credit card, including Extended Warranty Insurance and Purchase Cover Insurance.3

Terms, conditions, exclusions and limits apply. Find out more.

 Enjoy cashback on Deliveroo orders

Get $10 cashback each month when you spend $25 or more, in one transaction, with Deliveroo.5 Available from 1 April 2021 to 30 September 2021. The next time you're feeling peckish, choose from a wide range of delicious options, place your order and enjoy this cashback offer.

 Enjoy cashback on Spotify Premium

Get $5 cashback each month when you pay for a Spotify Premium subscription of $10 or more with your Citi credit card.6 Available from 1 April 2021 to September 30 2021. Listen to music ad-free wherever you are, whether you're at home, on an exercise break or even at work.

Free wine, anyone?

Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of our partner restaurants. Conditions apply. Learn more about Citibank Dining Program.

 A new way to pay

With Citi PayAll, you can pay for your rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more using your Citi credit card. Arrange your Citi PayAll payments in the Citi Mobile® App and keep track of them all in one place. Set up single or regular Citi PayAll payments to recipients with a registered BSB and account number held with an Australian financial institution. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2021, you will not be charged a Citi PayAll fee.8

More ways to pay

Turn your smartphone into a mobile wallet thanks to Apple Pay9 and Samsung Pay.

Rates and Fees

 

Balance transfer rate

0% p.a. for 15 months (no balance transfer fee, reverts to cash advance rate).7 Please note, no interest free days apply to retail purchases while you have a balance transfer.


Annual fee

$49 in the first year, $99 in subsequent years.2


Additional cardholder fee

$0. You may have up to four (4) additional cardholders, who must be 16 years or older.


Retail purchase rate

14.99% p.a.


Cash advance rate

22.24% p.a.


Interest free period

Up to 55 days interest-free on retail purchases (unless you have a balance transfer).10


Minimum credit limit

$6,000


Maximum credit limit

$100,000


 

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed at the Citi credit card fees and charges page.

Here's what you'll need to apply


Around 10 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

Apply now

Important information

Refer to the full Terms and Conditions related to this product here.

Fees and charges apply. Cards are offered, issued and administered by Citigroup Pty Limited. Terms and conditions apply and are available upon request. Credit Criteria apply. New cards customers only and cannot be used in conjunction with any other offers. Credit limit will be assigned based on our credit criteria, subject to verification of your income and credit rating.

Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating.

  1. To be eligible to receive $250 cashback, you must apply for the Citi Clear Card by 28 April 2022, then spend a minimum of $3,000 on eligible purchases using your new card within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds and Chargebacks. Cashback will be credited to your Account within 16 weeks of meeting the spend criteria. Your Citi Clear Card must remain open and in good standing to receive the cashback. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note you will not be entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 28 April 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  2. Subject to your acceptance you will be billed an annual fee of $49 in the first year. This will revert to the standard annual fee, currently $99, in subsequent years. This offer is valid until 28 April 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  3. Complimentary insurance covers are subject to eligibility requirements : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

  4. Citibank Dining Program: Conditions apply. Visit citibank.com.au/dine to learn more about the Citibank Dining Program, including an up-to-date list of participating restaurants, and to view the full terms and conditions.

  5. Excludes any payment made directly to a restaurant. Offer is limited to $10 cashback once a month from 1 April to 30 September 2021 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Payment must be made directly at Deliveroo, either at deliveroo.com.au or in-app via the Deliveroo app. Offer valid at Australian website only. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make.

  6. Offer is limited to $5 cashback once a month from 1 April to 30 September 2021 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Subscriptions must be made via www.spotify.com.au/premium . Offer valid at Australian website only. For first time Spotify Premium users, cashback will not apply to Spotify’s first month free offer on new subscriptions. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make.

  7. Your 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 90 days from card approval, for a period of 15 months from the date the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. Please note you will not be entitled to any interest free days on retail purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here. This offer is valid until 28 April 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  8. Citi PayAll offers are subject to eligibility and only available if your account is and remains in good standing. Set up Citi PayAll payment instructions using mobile banking or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY® ). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2021 (the Period), the Citi PayAll fee will be reduced to 0%. Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur. Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  9. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105. You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

  10. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

© 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

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