Citi Simplicity Credit Card
21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
n/a
Citi Simplicity Credit Card
21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
n/a
Citi Simplicity Credit Card
21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
n/a
Mozo Review Citi Simplicity Credit Card Review
Last updated: 1 November 2019.
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 Visa and Visa payWave.
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.
The Citi Simplicity credit card can be used in Australia and around the world where ever Visa 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. This includes free wine when you dine with the Citi Dining Program, 24/7 Platinum concierge and access to the Visa Platinum Privileges program.
It also comes with a slew of complimentary insurances including Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme.
Who it's 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.
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 18 February 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
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?
Latest reviews of Citi Simplicity Credit Card
-
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 reviewCitibank 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.
Price8/10Features8/10Customer service9/10Convenience10/10LessTrust10/10 -
Very dissatisfied with this bank
Citibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.
Read full reviewCitibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.
Price0/10Features-Customer service-Convenience-LessTrust- -
Recommended
Simplicity card suits us perfectly, hard to get decent service over the phone
Read full reviewSimplicity card suits us perfectly, hard to get decent service over the phone
Price9/10Features5/10Customer service5/10Convenience5/10LessTrust6/10 -
Love it!
Citibank helped me out of a tight situation! I'm so happy with the customer service they provided!
Read full reviewCitibank helped me out of a tight situation! I'm so happy with the customer service they provided!
Price10/10Features10/10Customer service10/10Convenience10/10LessTrust10/10 -
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 reviewIt is hard to get in touch with a real person unless they call you for a new product.
Price4/10Features4/10Customer service5/10Convenience2/10LessTrust4/10
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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