The Citibank Australian Clear Card is a credit card that gives you a second chance. Many consumers who choose credit cards for facial benefits only to discover harsh interest rates on transactions will have a second chance once they're accepted to this credit card. Here is a credit card that charges you a low annual interest on purchases and even much lower rates on balance transfers.

Once accepted you only need to transfer balance from those cards that charge you high interest rates and you'll enjoy a minimal rate of 2.9% for 6 months. Depending on how much is transferred you should be able to clear such balance before the intro period expires considering that repayments are applied to balance transfers first. Cash advances incur a standard Citibank rate that may vary from time to time. This rate also applies to balance transfers once the intro period expires. Retail purchases attract a small interest rate throughout the duration of card membership.

As applicant you'll stand a chance to receive a credit limit up to $20,000 based on your credit worthiness and Citibank's credit criteria. New cardholders may also get up to 55 days during which no interest is charged on retail purchases.

Looking at the benefits on offer, you'd think there's a rewards program but there isn't one. Nevertheless as cardholder you’ll be treated to various benefits one of which is Citibank World Privileges. This program lets you receive discounts up to 25% with participating businesses once payment is made using the card. The program incorporates numerous retailers located in and outside Australia and is applicable to Dinning and Shopping purchase categories.

Exclusive Visa Entertainment Benefits are available to cardholders in addition to order card benefits including $0 fraud liability on unauthorized transactions, customer support, lost or stolen card reporting and many more.

The Australia Citibank Clear Card is just what you want to begin receiving the advantage a Citibank credit card brings to the table. It gives you a way out with its balance transfer feature while encouraging you to consolidate purchases on the card account with low interest rates on purchases. Qualified applicants can apply online with acceptance subject to credit verification.

Once accepted you will be billed a $65 account fee annually.