Fees and charges apply. Credit criteria apply. New credit card customers only and cannot be used in conjunction with any other offers.
Refer to the full Terms and Conditions related to these products here. To obtain a copy of the Target Market Determination (TMD) related to these products, click here.
National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.
Our/us/we means NAB unless the context otherwise requires it.
“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.
* 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 transfer fee if applicable. It excludes any other fees and charges and interest accrued at the standard interest rate. Your personal circumstances may differ.
Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer within 90 days from card approval, and the balance transfer fee (if applicable) for the advertised promotional period. The promotional period commences once the balance transfer is processed. Check the above table to determine the promotional period and any balance transfer fees associated with your selected credit card. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee (if applicable) will revert to the variable Annual Percentage Rate for Cash Advances, currently 22.24% p.a. This offer excludes balances transferred from Citi branded unsecured credit products. Please note you are not 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 30 April 2024. Citi Clear offer valid until 30 April 2024. Post these advertised end dates; we reserve the right to continue, withdraw or change the offer at any time without notice.