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Citi Clear Card

You'll be laughing with a great low rate on purchases and bonus cash back.


Apply now  Or call us on 1300 032 824

Call to Apply

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Bonus $250 cashback when you spend $3,000 in the first 90 days from approval1
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Low variable rate of just 14.99% p.a. on all purchases
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Free wine when you dine with the Citibank Dining Program2 plus complimentary insurances3

The low-rate card that’s loaded with perks.

Choose the credit card that piles on the privileges while saving you on interest. On top of a free bottle of wine at partner restaurants when you dine and use your Citi card to pay2, you’ll get complimentary insurances3, a reduced annual fee in the first year4 and a low variable rate of just 14.99% p.a. on purchases. Bring a balance over from a non-Citi card and you can also save with 0% p.a. on the balance transferred for 15 months, reverts to cash advance rate.5 Just remember, if you have a balance transfer, you won’t get interest-free days on your retail purchases.


$250 cashback

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

Apply now

Treat yourself with a 90-day bonus.

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

Balance transfer rate
0% p.a. for 15 months (no balance transfer fee, reverts to cash advance rate.5 Please note, no interest free days apply to retail purchases while you have a balance transfer. 

Annual fee
Just $49 in the first year, then $99 after that.4

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. or pay off eligible purchases at a fixed interest rate over a set term with a Citi Instalment Plan.6

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).7

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.

Save on interest and enjoy easier budgeting

Low ongoing rate on purchases

With a low variable rate of 14.99% p.a. on purchases you can use your card knowing you won’t get hit with a high interest rate.

Citi Instalment Plans

Break big expenses into smaller, fixed monthly repayments.

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.6 Learn more about Citi Instalment Plans


Want more control and security?

More ways to pay

Turn your smartphone into a mobile wallet thanks to Apple Pay8 and Samsung Pay.

Leave your wallet at home and pay the easy way with your smartphone. Experience a faster, more convenient way to pay. Learn how to set up a mobile wallet.

Complimentary Purchase Cover Insurance and Extended Warranty Insurance3

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

Terms, conditions, exclusions and limits apply. Learn more about Complimentary Insurances.

24/7 worldwide security

Round-the-clock customer service and fraud protection.

With ongoing monitoring, global fraud protection and Citi Alerts, you can rest assured knowing that any potentially fraudulent charges on your card will be detected and flagged with you quick smart.


Get more out of life with exclusive Citi privileges

Free wine with the Citibank Dining Program

Enjoy a bottle on us.

From your local casual restaurants to some of the most famous eateries in the country, we’ve partnered with many Australian restaurants to give you a free bottle of wine every time you dine. Simply tell the waiter that you’re a Citi credit cardholder and pay your bill with your Citi Clear credit card.2 Find your local partner restaurants here. Conditions apply. Learn more about Citibank Dining Program.

Citi PayAll9

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. A fee of 2% of the Citi PayAll amount applies.

Unlock priceless experiences through Mastercard® PricelessTM Cities

With Priceless Cities, explore unforgettable experiences around the world. Learn more at priceless.com.

Citi World Privileges

Take advantage of shopping deals, travel upgrades and more.

Make the most of special offers just for Citi cardholders. From upgraded hotel rooms and car rentals to online shopping discounts and money off your restaurant bill, there’s something to enjoy wherever you go.10 Learn more about Citi World Privileges.

Emergency card replacement
24/7 customer service if your card is lost or stolen.
24/7 worldwide customer service and fraud protection

With ongoing monitoring, global fraud protection and Citi Alerts, you can rest assured knowing that any potentially fraudulent charges on your card will be detected and flagged with you quick smart. Visit Online Security at Citi for more information and to ensure you have provided us with your current mobile phone number to benefit from this service.


Complimentary Purchase Cover Insurance3
Receive 90 days complimentary insurance up to specified amounts against loss, theft or accidental damage on covered products purchased anywhere in the world using your Citi Clear credit card if you make a claim within 21 days.
Complimentary Extended Warranty Insurance3
Receive Extended Warranty Insurance for eligible purchases up to a maximum of 12 months from the manufacturer's warranty (for the same period as the original written warranty), for the cost of repairing or replacing the purchase made on your Citi Clear credit card in the event that the product breaks.
Complimentary Guaranteed Pricing Scheme3
Purchase a product using your Citi Clear credit card, and get the best price if, within 60 days of the purchase, it’s available for a lower price from a store within a 25 kilometre radius from where the covered product was purchased. If the price difference is greater than AU$75, we will refund the price difference up to $500. (Internet purchases are excluded).
Complimentary Transit Accident Insurance3
Purchase your overseas travel tickets with your Citi Clear credit card and you and your family may be covered for up to $500,000 for injuries sustained while overseas as a direct result of an accident whilst on a trip and occurring within 12 months of the accident.

 

Accessing your account

Manage your finances when and where you want with:

  • The Citi Mobile® App
  • Citibank Online
  • CitiPhone Banking

Welcome to the world of Mastercard®. Experience the convenience of a card that is accepted at over 47 million merchants in more than 210 countries and territories.


Contactless payments
With Mastercard PayPass, make payments under $100 quickly and securely by tapping your credit card – there's no need for a signature or pin.

Apple Pay
Enjoy all the benefits of your Citi Clear credit card using Apple Pay.8 It’s the easy and secure way to pay.
Learn more about Apple Pay.

Samsung Pay
Use your Citi Clear credit card with Samsung Pay to make purchases on the go.
Learn more about Samsung Pay.

Receiving your statements
You will receive your statements monthly, either online via e-statements or by mail.

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

Not quite sure what you are looking for? Explore our other credit cards

 


 

Travel and Reward Credit Cards

Learn More

Balance Transfer Credit Cards

Learn More

Low Rate Credit Cards

Learn More

FAQs

  • What information do I need to apply?

    Having the following information ready will make it quicker for you to complete your application.

    • Details about your employment (e.g. employment status, employer's contact details, time with employer in years and months)
    • If you are self-employed, your accountant's name, name of their accounting firm, and contact phone number
    • Gross income and monthly expenses
    • For balance transfers, name on account, type of card/account, card/account number, amount being transferred and the issuing organisation's name and address

    For further information, visit our How to Apply page.

  • What does the Citi Mobile® App offer?

    With Citi's Mobile® App, you're in control of your finances even on the move. Our One-Time PIN mobile banking security feature means you'll always have peace of mind when banking online.

    Features include:

    • Instantly activate your Citi Credit Card
    • Check your balance and a real-time display of your credit card transactions
    • Receive account alerts as push notifications
    • Find and book Citibank Dining Program partner restaurants

Still have a question?

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 31 August 2021, 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 that if you have a balance transfer you will not be entitled to any interest free days on retail purchases. This means that all spend will be charged interest at the applicable annual percentage rate. This offer is valid until 31 August 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  2. 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.

  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. 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 31 August 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  5. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate will apply to balances transferred within 90 days of 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 31 August 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  6. Citi Instalment Plan is defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. For the full terms and conditions that apply to Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.

  7. 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.

  8. 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.

  9. 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. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. 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.

  10. Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to www.citiworldprivileges.com/au/ for up-to-date offer details.

© 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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