Citi Simplicity
Last updated: 16 October 2018.
No annual fee
0% on balance transfers for 6 months
Balance transfer rate reverts to 19.99% cash advance rate
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. Plus for the first 6 months you'll enjoy 0% on balance transfers.
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.
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.
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.
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.
19.99% p.a.
none
0% p.a. for 6 months and then 19.99% p.a.
yes
19.99% p.a.
55
$0.00
none
none
none
$0.00
3.5%, min $3.50
3.40%
$0.00
$0.00
$0.00
$30.00
2.0
4
none
Apple Pay, Samsung Pay
Concierge,
Extended Warranty,
Purchase Protection
Free wine every time you dine with the Citibank Dining Program.
Citibank tend to hardly be helpful with requests when requested. They lack care regarding my...
Read full review
Citibank tend to hardly be helpful with requests when requested. They lack care regarding my financial situation.
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Paul | New South Wales
reviewed about 2 years ago
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
Less
Kevin | New South Wales
reviewed almost 3 years ago
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!
Less
Kristy | Queensland
reviewed almost 3 years ago
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.
Less
Rachael | Victoria
reviewed over 3 years ago
They have a compelling product in the simplicity credit card. Enough to get you to sign. Once...
Read full review
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
Less
Chio | Victoria
reviewed almost 4 years ago
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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