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Balance Transfer Calculator

Balance Transfer Calculator

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. 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 Limited (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.

  1. 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 3 months 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 will be charged interest on retail purchases while you have a balance transfer. For important information to consider before taking up a balance transfer, please click here. Citi Simplicity offer commenced 22 February 2024. Citi Clear offer commenced 22 February 2024. We may vary or end this offer at any time.

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