Simplicity card image

Citi Simplicity Credit Card

Advertiser disclosure
Purchase rate
21.49% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review Citi Simplicity Credit Card - last updated: 1 June 2021

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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, 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

With the Citi Simplicity Card, there's 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.

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.

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.


Rates and fees information correct as at 29 January 2022 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.

21.49% p.a.


No current offer


22.24% p.a.








3.5%, min $3.50










Payment options

Apple Pay, Samsung Pay

Rewards privileges

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.

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