Citibank Clear Credit Card - 55 days interest free Credit Card
January 22nd, 2007
* * * * 4 Stars
At last a credit card that gives you a low interest rate of 0% on balance transfers for 6 months as well as a low interest rate of 11.99% p.a. on purchases*. With Citibank Clear Card, the choice has never been clearer.
By putting all your daily purchases and expenses on Citibank Clear, you can reduce your interest rate to as low as 9.99% p.a.
- 11.99% p.a. interest rate ongoing for purchases.
- Access to your account anywhere, anytime via Internet and phone banking.
- Up to 55 days interest free on retail purchases.
- No annual fee for the first year.
Click here to see the official Citibank Clear Credit Card offer
Requirements
- At least 18 years of age
- Have a good credit rating
- Earn a taxable income of $20,000 per year or more
- Permanent resident of Australia
The Citibank Clear is highly beneficial if you:
- Find it difficult at times to pay off your monthly balance in full.
- If you use cash advance on occasion.
Conditions…
| Condition | What it means |
| ^ The 0% interest rate is only available on balances transferred with this offer for the first 6 months. Once the 6 months has expired, the interest rate on your entire unpaid balance will revert to the standard Citibank Clear Card rate, currently 11.99%p.a. which is variable and subject to change. | This one is self explanatory. If you would like to save yourself from interest payments on your transferred balance, make sure you pay off that balance within 6 months of your application being approved. |
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Comparison of Top 9 Credit Card Offers
| Credit Card | Card Details | Purchase Rate | Cash Advance Rate | Balance Transfer Rate | Annual fee | Interest free days | |
|
11.89% p.a. on purchases. Winner of Money Magazine’s Award for Cheapest Credit Card. | 11.89%
 |
20.49% | 0% for 6 months | $45 | 55 | |
|
0% p.a. balance transfer for 6 months. | 11.99% | 15.99% | 0% for 6 months | $49 | 55 | |
|
11.99% p.a. on purchases. | 11.99% | 20.74% | 0% p.a. for 6 months | $65 | 55 | |
|
0% p.a. balance transfer for 6 months. | 12.99% | 18.24% | 0% for 6 months | $58 | 55 | |
|
0% p.a. balance transfer for 6 months. | 12.99% | 12.99% | 0% for 6 months | $59 | 55 | |
|
5.99% p.a. balance transfer for 5 months. | 13.24% | 13.24% | 5.99% for 5 months | $48 | 55 | |
|
1 Reward Point for every $1 you repay to your balance. | 13.99% | 20.99% | 0% for 6 months | $57 | 55 | |
|
5% off your petrol and and everything else you buy at BP. 1% off everything else you buy anywhere. | 19.89% | 19.89% | 2.90% for 12 months | $79 | 55 | |
|
0% p.a. balance transfer for 6 months. Every dollar spent contributes to reforestation, renewable energy, and other environmental initiatives. | 18.49% | 19.99% | 0% p.a. for 6 months | $49 | 55 |
October 21st, 2007 at 1:39 am
[...] Use a low interest card incase of over spending. [...]
July 18th, 2008 at 2:59 pm
This page says that this card offers 0% on balance transfers “followed by 4.9% forever following”. I couldn’t find anything about the 4.9% on the Citibank website so called them to check. They said that they only offer 0% for six months, then it reverts to their normal interest rate. Not sure if this site is not up to date or if there has been an error made somewhere!
August 3rd, 2008 at 6:56 pm
It’s been fixed up, thanks for that Sam.