CITIBANK CLEAR PLATINUM

Citibank Clear Platinum

Pay no interest for 6 months1.

Rethink banking. Powered by Citi.

Citibank Clear Platinum Pay no interest for 6 months¹. Rethink banking. Powered by Citi.

Save with our low rate credit card.

Apply now for a Citibank Clear Platinum Credit Card and save with 0% for six months on balance transfers, and up to six months on purchases and cash advances1. Continue the savings with a low ongoing variable rate of 11.99% p.a. (12.99% p.a. from 1 October) on retail purchases1 after the promotional period.

Plus new card holders will also receive a half price annual fee of $49 in your first year2.

You will also enjoy a free bottle of award winning wine every time you dine at partner restaurants with Citibank's Dining Program3.

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Benefits

Suitable if you'd like:

  • A low introductory rate of 0% for six months on balance transfers, and up to six months on purchases and cash advances1. After the introductory period standard variable interest rates will apply and any unpaid balance transfer amount will revert to the cash advance rate1.
  • Half price annual fee of $49 in your first year2 (usually $99).
  • A free bottle of award winning wine every time you dine at partner restaurants with Citibank's Dining Program3.
  • Complimentary Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme4.
  • Generous credit limits of up to $60,0005 subject to credit criteria.
Features

Flexibility

Balance Transfer Rate

Transferring balances from one credit card to another, usually to take advantage of a lower interest rate. Transfers are limited to the available credit on the receiving card.

 0% p.a. for six months1 Cash Advance Rate after six months
Retail Purchase Rate

The rate that a bank or credit provider charges for the money it lends to you.

 0% p.a. for six months1 Purchase rate after six months
Cash Advance Rate 21.74% p.a.1
Interest Free Period
Some credit cards give the cardholder the option to make transactions on their account without being charged any interest. If your card has an 'interest free day' clause (check your pre contractual statement or your conditions of use) then you will qualify for interest free use so long as you pay the entire closing balance of each monthly statement before the due date shown on the statement. If you pay less than the full closing balance as shown on the statement you will incur interest charges in accord with the conditions of use. If you short pay one time, you usually need to pay the full balance for two consecutive months before your account will be interest free again.

If you carry a balance on your credit card from month to month, you do not have an interest-free period even if your conditions of use say your account has interest free days options. You are charged interest immediately when you make a purchase.

For example, if you have a balance of $500 and make a payment of $50 on June 1st, and buy an item for $50 on June 2nd, you will immediately be charged interest on that $50 purchase. This is because you have an outstanding balance of approximately $450 between June 2nd and your next statement.

Importantly, if your credit card is not an interest free day type account, even if you pay the statement balance in full each month, you will still be charged interest.
Up to 55 days interest free6
Maximum Credit Limit

The maximum balance you can carry on your credit card or line of credit account.

 $60,0005
Annual Fee

The annual fee is the yearly cost you pay for having the card. Citibank will charge your annual primary cardholder fee to your account on first use of your account, including when you activate your card, and then on each anniversary of the date Citibank approved your account.

 Half price annual fee of $49 in your first year2 (usually $99)
Supplementary Fee $0

Qualification

Minimum Income Requirement $35,000 p.a.
Minimum Age 18
Additional Cardholders Up to 4
Additional Cardholder Minimum Age 16

Manage your Account

Accessibility
  • Citibank Online
  • Mobile Banking
  • CitiPhone banking
  • ATM

    With your Citibank credit card and your ATM PIN, you can withdraw cash up to $1,000 per day. Multiple withdrawals may be required to access up to $1,000. Standard cash advance fees and charges may apply.

  • EFTPOS
  • Over the counter

    You can make withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required). Your Citibank Credit Card and ATM PIN will be required. Fees and charges may apply.

  • Visa payWave

    Visa payWave is the latest in secure, contactless technology. For transactions under $100, just wave your Visa payWave-enabled card in front of a Visa payWave reader and go - there's no need for a signature or pin.

  • Worldwide acceptance at over 22 million locations
Online budgeting tool Track your expenses and control your finances with our online budgeting tool
Citi Alerts Track your account activity with free SMS and email alerts
Payment Methods
  • Citibank Online
    • - Automatic Direct Debit (Easi-Pay)
    • - Funds transfer
    • - BPAY
  • CitiPhone Banking
  • Australia Post
Statement Frequency Monthly
Statement Delivery Online e-Statements or by mail
Statement Frequency Monthly

For more information on the fees and charges involved with any Citibank Credit Card, click here to view the Citibank Fees and Charges.

To find out how interest is calculated and charged, download Your guide to understanding interest on your Citibank Credit Card (Adobe PDF, 78.8kb).

Rewards

Privileges

Citibank's Dining Program3 Receive a free bottle of award winning wine every time you dine at partner restaurants
Personal 24 Hour Concierge Services7 Yes, visit www.visaplatinum.com.au for details
Citi World Privileges8 Get up to 25% off special offers through Citi World Privileges
VISA Platinum Privileges9 Experience the best entertainment & offers that are harder for everyday cardholders to obtain.
Save Money

Save Money

Take advantage of great savings with the Citibank Clear Platinum Credit Card. The comparison table below illustrates how you can reduce the interest charged with the low introductory offer of 0% for six months on balance transfers, and up to six months on purchases and cash advances1. After the introductory period standard variable interest rates will apply and any unpaid balance transfer amount will revert to the cash advance rate1.

Saving Comparison Table

Comparison Citibank Clear Platinum Card Promotional Rate
Card Interest Rate 11.99% p.a. (12.99% p.a. from 1 October) 0% p.a.
Your Balance Transfer $5,000 $5,000
Purchases $1,000 $1,000
Interest You Pay $340 $0
Annual fee $99 $49
Amount you could SAVE in 6 months* $390

*Estimated savings assume minimum payment is made by payment due date each month during the 6 month promotional period and the entire balance is paid at the expiration of the promotional period. Excludes annual fees and other charges. This rate, balance, interest and potential savings calculations in the table are examples only. Your personal circumstances may differ. It does not include interest accrued at the standard interest rate.

Security

Security

Fraudshield ®

If we detect any irregular transactions on your Account, we will call you immediately, even if you are overseas (if we have your contact details). All you need to do is call CitiPhone Banking on 13 24 84 and provide your contact details before you travel.

 Yes

Peace of mind

Complimentary Transit Accident Insurance4

Purchase your travel tickets with your Clear Platinum card and your family will receive up to $500,000 if you were to sustain a fatal injury as a passenger whilst travelling.

 Yes
Complimentary Purchase Cover Insurance4

You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your Clear Platinum card. Conditions apply.

 $200,000
Complimentary Extended Warranty Insurance4

Generally, the manufacturer's warranty period is doubled, up to 12 months, when you purchase items with your Clear Platinum card. Conditions apply.

 Yes
Complimentary Guaranteed Pricing Scheme4

Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in-store an eligible item which later goes on sale. Conditions apply.

 Yes
How to Apply

Applying for a Citi Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready, and you will receive a response in 60 seconds after submitting the form.

Please refer to the How to Apply page for further information.

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  • Platinum 1.5% p.a. for 15 months on balance transfers¹.
  • Credit Card Insurance. Protect your card repayments. Take out credit card insurance when you apply online.

Important information:

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.

  1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate on the Citibank Clear Platinum Card applies for the first six months on balances you transfer with this offer at point of application, and on all purchases and cash advances for a period of six months from the date your account is approved. Any outstanding transferred balance or cash advance balance at the end of the promotional period will revert to the Annual Percentage Rate for cash advances, currently 21.74% p.a. Any retail purchase transactions made during the promotional period will revert at the end of the promotional period to the Annual Percentage Rate for purchases, currently 11.99% p.a. (12.99% p.a. from 1 October). Offer ends 20 November 2013. Current Citibank Clear Platinum Credit Cardholders are not eligible to apply for this introductory offer. Approved customers only. Interest rates are variable and subject to change.
  2. Subject to your acceptance, you will be billed a half price annual fee (currently $49) in the first year. This will revert to the full annual fee, currently $99, in subsequent years. There is no annual fee for Additional Citibank Clear Platinum Cards. Please allow up to 15 days to process your application subject to verification and our credit criteria. Current Citibank Cardholders are not eligible to apply for this introductory offer.
  3. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank credit or debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course per person or spend over $50 in participating yum cha restaurants, and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion. Program not to be used in conjunction with any other offer.
  4. Extended Warranty Insurance, Transit Accident Insurance (for overseas travel), Purchase Cover Insurance and Guaranteed Pricing Scheme are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No.232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at www.citibank.com.au/complimentary insurance. An excess applies to Purchase Cover Insurance.
  5. Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 per year. Credit limit is up to $25,000 at point of initial approval. Over time, you may apply to increase your credit limit up to $60,000, if you satisfy our credit criteria.
  6. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.
  7. Exclusive Visa Platinum 24/7 concierge service supplied by Visa. Visit www.visaplatinum.com.au for details.
  8. Payment must be made using a Citibank Credit Card. Up to 25% discount on Dining and Shopping available at participating outlets. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank 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.
  9. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit www.visaplatinum.com.au for details.

© 2013 Citigroup Pty Limited ABN 88 004 325 080, AFSL No.238098, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.