The Citibank Clear Visa is a basic card with an excellent price. It is one step above those no frills credit cards because it offers discounts and special privileges to cardholders. These offers are not true rewards that one has to earn through spending on the card, that helps keep the prices low. In fact, the annual fee on this credit card is a low $65 each year, making it one of the most affordable credit cards on the market today. But, do not let the low price fool you, this card does have lots of perks that make it just as valuable as some of those cards with much higher annual fees.
Citibank Clear Visa Benefits
Low cost – The annual fee on this card is just $99. The retail purchase interest rate is only 11.99% p.a. The interest free period on purchases is up to 55 days. For cash advances cardholders pay 21.74% p.a.
Balance transfer deal - If you have a debt on another or several credit cards that you are paying high interest rates on you can transfer them to the Citibank Clear Visa and pay only 1.9% per annum interest for six months. This deal should give you ample time to pay down the debt at this reduced rate, helping you get your finances in order and save money at the same time.
Generous credit limit - Eligible applicants can receive a credit limit of up to $20,000 which makes it a perfect card for those who want to make big purchases or use the balance transfer option for a large debts.
Visa privileges – In addition to having a card in your wallet that is accepted all over the world and on line at thousands of locations you also gain access to the world of Visa and Citibank privileges. this includes CitiWorld Privileges which offers up to 25% off special offers on dining, accommodations, tickets, travel, and even wine. You will also have access tot he Visa entertainment program that allows you to get first shot at the best seats in the house for sporting events, concerts, shows, and films.
Security – The combination of Visa and Citibank means that you have the very best protections in place for your finances and your identity. All cards come equipped with Fraudshield which will monitor your account for suspicious activity and notify you if anything pops up. There is also optional card protection offered through CardProtect which will cover and assist you in paying your bills should you come up against unexpected financial difficulties.
Applying For The Citibank Clear Visa
Applying for the Citibank Clear Visa can be done quickly and easily on line. All you need is ten minutes and some of your personal data to submit the application. To apply you must be 18 years old or older with a good credit rating and a taxable income of at least $20,000.
Applicants must be permanent Australian residents and those who already have a Citi card must have had it for at least nine months prior to applying. Have your contact details like your driver licence, current and previous addresses, and the contact information on a friend or relative handy as well as data about your finances. This should include your employers address and telephone number as well as annual and monthly income. You will also need to list your other income and expenses.
If you plan to do a balance transfer have the information on those cards and the card issuers handy to submit with your application. Once you put in all of that data you will know in less then one minute if this excellent card will be yours.
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Posted on Wednesday, March 31st, 2010 at 9:37 am
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