Citi Simplicity Credit Card

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$0

n/a

Citi Simplicity Credit Card

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$0

n/a

Mozo Review   Citi Simplicity Credit Card Review

Last updated: 30 July 2019.

What's hot:
  • No annual fee

  • Complimentary insurances included

What's not:
  • Balance transfer rate reverts to 19.99% 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 19.99% 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 October 2019 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
  • 19.99% p.a.

  • none

  • 0% p.a. for 6 months and then 19.99% p.a.

  • yes

  • 19.99% 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?

Overall customer rating
5.2/10

Based on 1250 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
    2/10
    Very dissatisfied with this bank

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

    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
    -

    Paul | New South Wales

    reviewed almost 3 years ago

  • Overall
    6/10
    Recommended

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

    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

    Kevin | New South Wales

    reviewed over 3 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!

    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

    Kristy | Queensland

    reviewed over 3 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.

    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

    Rachael | Victoria

    reviewed over 4 years ago

  • Overall
    1/10
    AVOID AT ALL COST

    They have a compelling product in the simplicity credit card. Enough to get you to sign. Once...

    They have a compelling product in the simplicity credit card. Enough to get you to sign. Once you are in, the most horrendous customer service will drive you to cancel immediately. Not only that, I have had my card put on hold and create embarrassing moments at restaurants for no reason Every call, they ask loads unnecessary security questions more than any other bank

    Price
    6/10
    Features
    3/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Chio | Victoria

    reviewed over 4 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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