Citi Clear Credit Card 24-Month 0% Balance Transfer, $49 First-Year Fee for Aussies
Citi Clear Credit Card gives Aussies a no‑fuss way to ditch high‑interest debt with 24 months at 0% balance transfer and a wallet‑friendly $49 first‑year fee
Why Citi Clear Credit Card makes sense for Aussies
The Citi Clear Credit Card is built for Australians who want to simplify debt and save on interest. With a headline 24-month 0% balance transfer offer and a modest $49 first-year fee, it is a practical choice for anyone looking to consolidate high-interest cards or loans.
Aussies appreciate straightforward products that do what they promise, and the Citi Clear Credit Card delivers clear terms, a low ongoing fee of $99 after year one, and useful protections like extended warranty and purchase insurance.
Core features and true costs
The standout is the 0% balance transfer rate for 24 months, tempered by a one-time 1.5% balance transfer fee and a revert rate of 22.24% p.a. after the promotional period. The card also carries a competitive purchase rate of 14.99% p.a. and up to 55 days interest-free on purchases when eligible.
Additional wins include no fee for up to four supplementary cardholders, a low minimum monthly repayment requirement, and familiar Australian service support. Be aware of standard fees like foreign currency conversion at 3.4% and cash advance charges when using the card for cash.
Who should consider this balance transfer card
If you are an Australian resident with existing high-interest credit card debt and a steady income, the Citi Clear Credit Card can save you hundreds in interest over two years. The card is best suited to people who will actively pay down balances during the 24-month 0% balance transfer period.
Eligibility is straightforward for most Aussies: permanent residents or citizens aged 18 plus, and a minimum income threshold around $35,000. If you value a clean, low-fee product over rewards or travel perks, this card is a strong contender.
How to apply and final takeaways
Applying online is quick when you have ID, proof of income and basic financial details ready. The Citi Clear Credit Card application will ask about existing liabilities and income, so have payslips or tax documents handy to speed approval.
Overall, the Citi Clear Credit Card is a no-nonsense balance transfer option for Australians focused on debt reduction. With 24 months at 0% balance transfer, a $49 first-year fee and practical consumer protections, it is one of the better low-fee cards in Australia for clearing high-interest debt efficiently. Consider the 1.5% transfer fee and the revert rate when planning repayments to maximise savings.
