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Citi Simplicity Credit Card

Advertiser disclosure
Purchase rate
21.49% p.a.
Balance transfer rate
0% p.a. for 6 months and then 22.24% p.a.
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Citi Simplicity Credit Card

Last updated: 16 April 2020.

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What's hot
  • No annual fee
  • Complimentary insurances included
What's not
  • Balance transfer rate reverts to 22.24% cash advance rate
Mozo snapshot

The Citi Simplicity Card has all the features you'd expect in a good credit card without the high price tag. There is no annual fee ever, you'll get up to 55 days interest free, free wine when you dine with the Citi Dining Program and the convenience of worldwide acceptance with MasterCard and MasterCard PayPass. 

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Key features

The Citi Simplicity Card has a standard purchase rate of 21.49% p.a. You'll get up to a generous 55 interest free days if you pay your balance off in full each month and you'll pay no fees on the card ever, this includes annual fees, late payment and there are no fees if you want to have an additional card holder for the account.

And if you have a small balance to pay off before you get started on spending, this card comes with 0% interest on balance transfers for the first 6 months. Just remember, you won't get any interest free days on new retail purchases while you have a balance transfer and that this offer ends on June 30 2020. 

The Citi Simplicity credit card can be used in Australia and around the world where ever MasterCard is accepted. If you use your card overseas or when shopping online there is a 3.40% foreign exchange margin that will be added to the Australian dollar amount, so be sure to factor this in to your budgeting. 

While there isn't a rewards program attached to the Citi Simplicity card you do get some great perks including Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme.

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Who is it good for

Anyone who hates paying fees for credit card features they'll never use and will be diligent at paying off their balance in full at the end of the month to avoid paying interest.

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Any catches

Even though Citi won't charge you if your late paying your balance, it is still a good idea to automate payments. New credit reporting means that all late payments are marked on your credit file and it can affect your ability to get credit into the future so don't make it a regular habit.

Details

Rates and fees information correct as at 25 November 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 21.49% p.a.

  • none

  • 0% p.a. for 6 months and then 22.24% p.a.

  • yes

  • 22.24% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $0.00

  • 3.5%, min $3.50

  • 3.40%

  • $0.00

  • $0.00

  • $0.00

Features
  • $30.00

  • 2.0

  • 4

  • none

Payment options

Apple Pay, Samsung Pay

Rewards privileges

Concierge,
Extended Warranty,
Purchase Protection

Other benefits

Citi PayAll allows you to earn Citi reward Points on everyday expenses (2% fee applies). Free wine every time you dine with the Citibank Dining Program when you pay with your Citi Credit Card.

Customer Reviews

How are Citi credit cards rated by the Mozo community?

Overall
5.1/10

Based on 1283 Citi credit card reviews

Price
4.8/10
Features
5.5/10
Customer service
4.9/10
Convenience
5.0/10
Trust
5.2/10

Latest reviews of Citi Simplicity Credit Card

  • Overall 9/10
    They look after existing customers.

    Citibank continue to offer good promotions to both new and existing customers, so they are not just concerned about building their wallet but also ensuring they retain the existing customer base.

    Read full review

    Citibank continue to offer good promotions to both new and existing customers, so they are not just concerned about building their wallet but also ensuring they retain the existing customer base.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jane, Queensland reviewed about 1 year ago
  • Overall 2/10
    Very dissatisfied with this bank

    Citibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.

    Read full review

    Citibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.

    Price
    0/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Paul, New South Wales reviewed almost 4 years ago
  • Overall 6/10
    Recommended

    Simplicity card suits us perfectly, hard to get decent service over the phone

    Read full review

    Simplicity card suits us perfectly, hard to get decent service over the phone

    Price
    9/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    6/10
    Less
    Kevin, New South Wales reviewed over 4 years ago
  • Overall 10/10
    Love it!

    Citibank helped me out of a tight situation! I'm so happy with the customer service they provided!

    Read full review

    Citibank helped me out of a tight situation! I'm so happy with the customer service they provided!

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kristy, Queensland reviewed almost 5 years ago
  • Overall 5/10
    Great at offering new products

    It is hard to get in touch with a real person unless they call you for a new product.

    Read full review

    It is hard to get in touch with a real person unless they call you for a new product.

    Price
    4/10
    Features
    4/10
    Customer service
    5/10
    Convenience
    2/10
    Trust
    4/10
    Less
    Rachael, Victoria reviewed over 5 years ago
Citi

About Citi

Citi is the consumer banking arm of Citigroup, one of the world's biggest financial institutions. Citi was the first foreign bank to be granted a banking licence to operate in Australia. Citi is now the largest international bank in the country, serving millions of Australians with credit cards, mortgages, deposit accounts, charge cards and more.

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0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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0% p.a. for 20 months and then 21.74% p.a.

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