The Citi Simplicity gives you a way to save on your credit card costs, with a $0 annual fee, no late fees and 0% p.a. on purchases and balance transfers for 6 months when you apply by 30 April 2024. You can also add it to your digital wallet with Apple Pay, Google Pay or Samsung Pay.
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Citi Simplicity Card
Terms and conditions apply
- Balance transfer rate for 6 months with no balance transfer fee
- 0% p.a.
- Purchase rate for the first 6 months (reverts to 21.49%)
- 0% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
This no annual fee credit card offers 0% interest on purchases and balance transfers for 6 months, with higher rates after that.
Pros
-
Ongoing $0 annual fee
-
0% p.a. on purchases and balance transfers for 6 months
-
No late payment fees
Cons
-
21.49% p.a. purchase rate after the introductory period
-
22.24% p.a. rate for balance transfers after the introductory period
-
3.4% foreign transaction fee
Details
Product details
| Product Name | Citi Simplicity Card |
| Balance transfer rate p.a. | 0% for 6 months, then 22.24% |
| Balance transfer limit | 80% of available limit |
| Purchase rate p.a. | 0% for 6 months, then 21.49% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 22.24% |
| Min credit limit | $2,000 |
| Max credit limit | $100,000 |
| Card type | Mastercard |
Eligibility
| Available to temporary residents | No |
| Minimum income | $35,000 |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 2% of the closing balance or $30, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee | 3.4% |
| Cash advance fee | 3.5% or $3.50, whichever is greater |
| Overseas cash advance fee | $5 |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 4 |
On 1 June 2022, Citi's consumer banking business was acquired by NAB. Citi credit cards are still available for application and will have the Citi brand. However, the contract for these cards is now with NAB.
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Amy Finder
Editor
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Elizabeth Barry Finder
July 13, 2023
Hi Lee,
Thanks for your question.
Please note I am not able to give personal advice on your situation. It may be helpful to get in touch with the National Debt Helpline on 1800 007 007 as they can advise you on the various options you have available and which products you may be eligible for.
You can also find some helpful resources on the Government’s Money Smart website here.
I hope this helps,
Elizabeth
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Paul roast
June 15, 2023
I have a Citi world Mastercard which is now not valid apparently!! Could you advise which is the best option to apply for a new card similar to my existing
Amy Bradney-George Finder
June 15, 2023
Hi Paul,
If you had the Emirates Citi World Mastercard, which was taken off the market and phased out for existing customers on or before 30 May 2023, you could compare other credit cards that offer Emirates Skywards Miles on Finder. If you had a different card, or want a new card with Citi, you can compare the current range of Citi credit cards on Finder. You can also contact Citi through your account or by calling the Citi customer service team on 13 24 84. I hope that helps.
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Barry
December 11, 2017
I want to transfer my ANZ Platinum card to your $ pa ever card
I am Retired.. Current manipulating assets to provide a irrevocable pension to sit alongside the STD pension..
That will take about 6-8mos whilst I finish building a car and sell the other 2
May Finder
December 19, 2017
Hi Barry,
Thank you for your inquiry.
Are you pertaining to this Citi Simplicity Card? If so, you might need to contact Citibank directly to confirm if you’re eligible to apply since you’re retired. With this card, you’re required to have an income of more than $35,000 a year. If in case you’re eligible to apply, you would also need to submit a letter from Centrelink showing your name and the permanent government pension amount, your three most recent bank statements showing proof of regular payments, your annual superannuation statement, which includes an indexed pension amount, or your most recent self-managed superannuation tax return (must be less than 15 months old).
Moreover, please note that with credit card balance transfers, you have to go through the card application and meet the eligibility requirements. If you’re approved for the card, your BT will also be approved. The amount you can also transfer should not exceed your approved credit limit. For this Citi Simplicity Card, you can transfer debts from other cards up to 80% of your available credit limit.
Hope this information helps.
Cheers,
May
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John
November 13, 2017
Hi, can you have two card holders on the same account example as husband and wife?
Jonathan
November 13, 2017
Hi John,
Thank you for your inquiry.
Please be advised that credit card accounts are established based on any one person’s income and financial details. Usually, due to the nature of risk and lending, it will not be possible to open a joint credit card. There are only selected card issuers that may allow you to do so.
Should you wish to pursue applying for this card, your alternative is to add supplementary cardholder(s) once approved.
Hope this helps.
Cheers,
Jonathan
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Nick
October 23, 2017
First time to use a credit card. What facilities are available to pay what’s owing on the credit card. Can I do a direct transfer from my savings account
Anndy Lou Finder
October 23, 2017
Hi Nick,
Thanks for your question.
There are different ways on how you can pay your credit card bill on time:
Internet banking – you can link your credit card, transaction account or savings account using Internet banking.
Autopay – most banks also allow you to download and complete an autopayments form to debit funds from a nominated transaction account.
BPAY – After logging into your Internet banking account, look for the “Make BPAY payment” section. Enter your credit card number, the BPAY biller code and how much you want to pay.
At a branch – Make a cash or cheque payment in person at a branch.
By post. You can send a cheque in the mail to the address listed on your credit card statement. This is a lengthy process and there’s a chance you’ll incur late payment fees if your cheque doesn’t clear in time.
I hope this helps.
Cheers,
Anndy
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Lee
July 08, 2023
We are aged pensioners and trying to find a way to pay off a $40000 debt. Interest is killing us. Is there an Interest free account that we can do multiple balance transfers of all our debts too and only pay one interest amount for a period of 12-18 months.