MyCard Clear
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CardIQ
Good
Overall score, out of 100 · How this works
- Balance transfer64
- Low rate45
Customer reviews
Based on 15 reviews
Reviewers spoke well of rewards and customer service, though complaints about fees came up too.
Citibank Clear Platinum Card is a convenient way to purchase items, but you can get caught up by the fee structure if not careful. Cash advance fees are very high. The purchase fees are reasonable but on the higher end of the scale. If the monthly fee is missed, phone calls and…
Late fees are a joke
This card looked okay when I got it, but when I was late making a payment once, they had the cheek to charge me the late fee several days in a row. Not just once, but yes several times for the one late payment. What a rip-off and a joke! The sooner the government does a royal…
All fees are too high
The Citibank Clear Platinum Visa Card has high interest rates. If you miss a payment by the due date you get harassment calls and daily fees until monthly instalments are paid. Citibank customer service staff are not willing to assist you if in a dire situation and you have to…
Benefits, low interest, no frills
The Citi Clear Platinum card has a lower rate of interest than many other cards, but it is not connected to any 'free’ rewards program.You get the benefits of being a Platinum member with a free bottle of wine at some restaurants, free concierge service, and free travel…
I wish I never got this card
I got the card whilst earning good money, but had to change when I lost my job. After re-entering the workforce on lower wages I had to beg and plead to change to a lower interest rate card. Even with the lower interest fee, monthly total fees outstripped half my payment. I had…
Rewards and online transactions
Rewards are interesting and online transactions are smooth. Also quite useful on international travel. I personally benefited from the rewards program a lot. The dining offers are a great way to use points too. Good interest rates and fees. Customer service can be better, i.e.…
Monthly fees are high
Although paying over $200 P/FN, monthly fees come to just over $100 so am always struggling to get ahead on repayments. Although now on a disability pension, I got the card when I was on good wages, but maxed out the card when I got divorced. Now am just making repayments, not…
It's a great card, I love it
It’s a great card if you travel a lot. It’s good for business, it has easy approval and the customer service is great. I would recommend this to anyone who is is never home and is on business a lot.Out of all banks it’s the best card of all.
Citi delivers
Always ready, always accepted. Citibank contacts you have if any unusual transactions. Platinum concierge always ready to oblige with all your requests such as booking events tickets, rewards vouchers and points plus pay articles especially airline tickets. Security is very…
Show 6 more reviewsBest of all time
When I was looking for a credit card with a good interest rate I came across this one where it was 4.9% for the life of the balance transfer great savings on interest. This card has great rewards like free wine at certain restaurants that accept the card.
Pros & cons
What's good
- 24 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 22.24% p.a.).
- The 14.99% p.a. purchase rate is below the 18.99% p.a. market median.
- No fee to add an additional cardholder.
Worth noting
- The $149 annual fee is high for a Standard card, where the typical fee is about $50.
- 3.5% foreign transaction fee on overseas spending, at the high end of the market.
- Earns no rewards points on spending.
- Up to 44 interest-free days on purchases (below the 55-day median).
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $2,000 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 22.24% p.a.
- Purchases
- 14.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $149 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- $30
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
- Can't transfer from
- Coles, Kogan Money, MyCard, NAB, Qantas Money
- Limit
- Up to your available credit limit
- Period
- 24 months
- Promotional rate
- 0% p.a.
- Revert rate
- 22.24% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- MyCard ClearvsAmerican Express Low Rate Credit Card
- MyCard ClearvsANZ Low Rate
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- MyCard ClearvsAustralian Mutual Bank Credit Card
- MyCard ClearvsBank Australia Low Rate Visa Credit Card
- MyCard ClearvsBank First Visa Classic Credit Card
- MyCard ClearvsBank First Visa Platinum Credit Card
- MyCard ClearvsBank of Melbourne Vertigo Card
- MyCard ClearvsBank of Melbourne Vertigo Card - Cashback Offer
- MyCard ClearvsBank of us Visa Credit Card
- MyCard ClearvsBankSA Vertigo
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- MyCard