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Balance Transfer Calculator

Credit Card Balance Transfer

Don’t pay high interest rates on credit cards when you don’t have to. You could save on repayments, overall interest rates and additional fees by transferring your balances to a Citi credit card. Take advantage of one of our balance transfer offers by transferring an existing balance from another credit card or store card to your Citi credit card. Please note that no interest free days apply to retail purchases while you have a balance transfer.


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Things you should know

Fees and charges apply. Terms and conditions apply and are available upon request. Credit criteria apply. To obtain a copy of the Target Market Determination (TMD) related to this product, click here.

* Estimated savings assume minimum payment is made by the payment due date each month with no other transactions made during the promotional period and the entire balance is paid at the expiration of the promotional period. Estimated savings include annual fees for the promotional period and balance transferred fee if applicable. It excludes any other fees and charges and interest accrued at the standard interest rate. Your personal circumstances may differ.

  1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred within 90 days from card approval for the advertised promotional period. The promotional period commences once the balance transfer is processed. At the end of the balance transfer 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 Citi 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. Citi Simplicity offer valid until 29 June 2022. Citi Clear offer valid until 29 June 2022. Post these advertised end dates; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

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