Simplicity card image

Citi Simplicity Credit Card

Advertiser disclosure
Purchase rate
0% p.a. for 6 months then 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
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Mozo editorial review Citi Simplicity Credit Card

Last updated: 17 February 2021.

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What's hot
  • No annual fee
  • Complimentary insurances included
  • 0% interest on purchases for 6 months (then 21.49%)
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 0% interest on purchases within the first 6 months (21.49% after), 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, you'll be able to enjoy 6 months of interest-free spending before the card reverts to its variable rate of 21.49% p.a. There's also 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.

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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 4 March 2021 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.

  • 0% p.a. for 6 months

  • 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 1291 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

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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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