Citi Simplicity
Citi Simplicity
Mozo Review Citi Simplicity Review
Last updated: 16 October 2018.
What's hot:
No annual fee
0% on balance transfers for 6 months
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. Plus for the first 6 months you'll enjoy 0% on balance transfers.
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.
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 20 October 2018.
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.
Customer Reviews
How are Citi credit cards rated by the Mozo community?
Latest reviews of Citi Simplicity
- Overall2/10
Very dissatisfied with this bank
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.
Price0/10Features-Customer service-Convenience-Trust-Less
Paul | New South Wales
reviewed almost 2 years ago
- Overall6/10
Recommended
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
Price9/10Features5/10Customer service5/10Convenience5/10Trust6/10Less
Kevin | New South Wales
reviewed over 2 years ago
- Overall10/10
Love it!
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!
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Kristy | Queensland
reviewed over 2 years ago
- Overall5/10
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 review
It is hard to get in touch with a real person unless they call you for a new product.
Price4/10Features4/10Customer service5/10Convenience2/10Trust4/10Less
Rachael | Victoria
reviewed over 3 years ago
- Overall1/10
AVOID AT ALL COST
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
Price6/10Features3/10Customer service0/10Convenience0/10Trust0/10Less
Chio | Victoria
reviewed over 3 years ago
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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