Looking for an affordable credit card with exciting perks? Whether you’re planning to consolidate debt or take advantage of exclusive deals, the Citi Clear Card could be the right fit for you. It offers a competitive 0% p.a. for 24 months on balance transfers, alongside discounts on travel, dining, and entertainment. Better yet, applying online is quick and easy.
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This guide will walk you through everything you need to know before applying, including card benefits, eligibility requirements, and step-by-step instructions for submitting your application online.
Who Issues the Citi Clear Credit Card?
The Citi Clear Credit Card is issued by National Australia Bank Limited (NAB) under the Citi brand. NAB acquired the Citi credit card business in Australia and continues to offer Citi-branded financial products and services.
The Citi Clear Credit Card is known for its features focused on balance transfer savings, travel perks, and overall budget-friendly benefits.
Key Benefits of the Citi Clear Credit Card
With so many credit cards available, why choose the Citi Clear Credit Card? Here’s a breakdown of its standout features:
- 0% p.a. on balance transfers for 24 months
Enjoy a promotional balance transfer rate of 0% p.a. for up to 24 months (a 3% balance transfer fee applies). Perfect if you want to consolidate existing debts onto one card and save on interest.
- Exclusive Travel Deals
Get discounts on international flights, hotels, and tours. Highlights include:
- Up to 15% off Luxury Escapes offers
- 10% off selected hotels via Expedia or Wotif
- 5% off international flights booked through Trip.com
- Entertainment and Streaming Benefits
- Receive $10 monthly cashback when you subscribe to BINGE Premium or Standard plans.
- Complimentary Insurances
- Covers theft and accidental damage for products purchased with the card. Also includes mobile phone insurance when monthly phone bills are paid using the Citi Clear Credit Card.
- Low Annual Fee
Pay just $149 per year with no additional fees for up to four supplementary cardholders.
These features make the Citi Clear Credit Card ideal for savings, travel lovers, and everyday purchases.
Who Is the Citi Clear Credit Card Best Suited For?
This card offers the most value for:
- Those consolidating debt: If you have existing credit card debt, the 0% balance transfer for 24 months could help you manage repayments and reduce interest costs.
- Frequent travellers: With discounts on international flights and hotels, plus complimentary travel-related insurance, this card is perfect for anyone who travels regularly.
- Entertainment and streaming enthusiasts: Enjoy cashback on popular services like BINGE, giving you entertainment perks straight to your screen.
- Budget-savvy individuals: With a relatively low annual fee and plenty of rewards, the card offers great value for people who want to maximise benefits while keeping costs minimal.
Required Documents and Criteria
Before applying online, ensure you meet the eligibility requirements and have all necessary documents on hand. Here’s what you’ll need:
Eligibility Criteria
- Be 18 years or older
- Be an Australian permanent resident
- Receive a regular income
- Have a mobile phone number and email address
Required Documents
- Proof of ID (Choose any two):
- Australian Driver’s Licence
- Passport
- Medicare Card
- Proof of Income
- Recent payslips
Preparing these documents in advance makes the application process faster and smoother.
Steps to Apply for the Citi Clear Credit Card Online
The application process for the Citi Clear Card is straightforward and takes only 10 minutes. Follow these steps:
1. Check Your Eligibility
Before you start, ensure you meet the eligibility criteria listed above. Double-check that you have all the required documents at your fingertips to avoid any hiccups.
2. Visit the Official Citi Application Page
Go to the Citi Clear Credit Card page on the Citibank Australia website. Click the Apply Now button to begin your application.
3. Complete the Online Application Form
You’ll need to fill out a form with your personal, financial, and employment details. Ensure all information is accurate to avoid delays in processing.
4. Upload Required Documents
Submit the necessary documents (e.g., ID and proof of income) directly on the application portal.
5. Review and Submit
Review your application to ensure all details are correct. Once you’re satisfied, hit Submit.
6. Wait for Approval
Citi will notify you of the outcome of your application. If approved, your card should arrive in the mail within 5-7 business days.
Your Next Steps
The Citi Clear Credit Card makes saving money and enjoying perks easier than ever. Whether you’re planning your next holiday or taking steps to manage debt effectively, this card has you covered.
To get started, apply online today and take advantage of Citi’s exclusive offers. All it takes is 10 minutes to make your financial life a little easier. Apply now and enjoy the benefits of a Citi Clear Credit Card!