Citibank Clear Credit Card – 55 days interest free Credit Card

Requirements

• At least 18 years of age
• Have a good credit rating
• Earn a taxable income of 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, thus only paying a low interest rate.
• Likewise, if you consistently pay off your balance in full each month, you'll effectively only be paying $0 in interest repayments.

The Rest

If you look past the basics however, it becomes clear that the annual fee that is attached to this credit card is for other things. It is referred to as an annual card fee for your credit card and that means that you are essentially paying extra for the extra account services that come with the card. These are services like universal access to your account. Citibank allows you to access your credit card account and statement through either the internet or the phone, both of which are available even on holidays around the clock. Citibank is known for having some of the best customer service options in the world, which may contribute to their annual fee being higher than you might see with other credit card options.

Standard of 95% of credit cards, a 55 day grace period on retail purchases too graces the card. This is indeed the interest free period on purchases so long as your balance is paid in full and on time and it is an average grace period as far as low interest credit cards are concerned.
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The Final Verdict

From Credit Card Finder®'s perspective, Citibank is praised as one of the most competitive banks to offer credit cards in Australia. However, while quality, its low interest card is simply not as competitive as other offers available for online application.
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To compare some of the Citibank credit cards available in Australia, see the Citibank credit card offers here.

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Citibank Credit Cards Deals

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	Citibank Clear Platinum Card	A low rate platinum credit card with a great balance transfer offer.	0% p.a. for 6 months (reverts to 11.99% p.a.) on purchases. 12.99% p.a. from 1 October, 2013	0% p.a. for 6 months	$49 p.a. annual fee for the first year ($99 p.a. thereafter)	0% p.a. for 6 months (reverts to 21.74% p.a.)
	Citibank ReadyCredit	A long term balance transfer offer with no annual fee.	18.99% p.a.	5.9% p.a. for 24 months	$0 p.a.	18.99% p.a.
	Citibank Rewards Credit Card - Platinum Card	Consolidate your debt with a low balance transfer offer and a host of platinum privileges. Earn up to 1.25 Citibank Reward points for every $1 spend.	20.99% p.a.	1.5% p.a. for 15 months	$199 p.a.	21.74% p.a.

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Credit Cards Comparison

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Low Rate	A low rate on purchases, balance transfer and a low annual fee.	13.14% p.a.	0% p.a. for 9 months	$58 p.a.	21.49% p.a.
	HSBC Credit Card	No annual fee for the life of the credit card. Plus a low balance transfer offer.	17.99% p.a.	0% p.a. for 6 months	$0 p.a.	21.99% p.a.
	Bankwest Zero Platinum MasterCard	Exclusive Offer to Credit Card Finder. No annual fee credit card with platinum benefits.	17.99% p.a.	0% p.a. for 9 months	$0 p.a.	21.99% p.a.
	Commonwealth Bank Low Rate Credit Card	A low interest rate offer on purchases and balance transfers.	0% p.a. for 5 months (reverts to 12.99% p.a.)	5.99% p.a. for 5 months	$78 p.a. ($48 for qualifying customers)	21.24% p.a.
	ANZ Platinum Credit Card	No annual fee for the first year and a balance transfer offer.	19.39% p.a.	0% p.a. for 9 months	$0 p.a. annual fee for the first year ($87 p.a. thereafter)	20.99% p.a.

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.