- No annual fee or late fees
- Free for up to 4 additional cardholders Access to 15% off Luxury Escapes hotels (MYLUXPROMO) and 10% off international tours (MYLUXTOURS10) until 1 March 2026
- 5% discount on Trip.com international flights (AUSFLY5) — book by 31 December 2025, travel by 30 September 2026
- 10% off hotels via Expedia (EXP10TRVL) and Wotif (WOT10TRVL) — book by 31 January 2026
- Complimentary insurances: Purchase Cover & Extended Warranty
- Up to 44 days interest-free on purchases (when paid in full)
- Pay over time with Citi Instalment Plans
- Supports Apple Pay, Google Pay and Samsung Pay
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Citi Credit Cards
Citi Simplicity Credit Card
Updated 16 September 2025
The Citi Simplicity Credit Card is built for hassle-free spending: no annual fee, no late fees, no extra cardholder fees.
On top of that, you’ll save with hotel, tour, and flight discounts, plus enjoy complimentary Purchase Cover and Extended Warranty Insurance on eligible purchases.
T&Cs apply. Rates and fees may change. Always read the PDS and terms before applying.
Purchase Rate (p.a)
22.49%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$0
Pros and cons
- High purchase rate of 22.49% p.a. if you don’t pay off your balance in full
- No rewards program for points or cashback
Creditcard.com.au review
Editor Review
Citi Simplicity Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Citi Simplicity Credit Card
The Citi Simplicity Credit Card truly lives up to its name — and then some. It’s a no annual fee, no late fee product that still manages to deliver a surprisingly rich set of extras. Designed for people who want a card they can keep without worrying about ongoing costs, Simplicity is equally suited as a first credit card or as a back-up source of funds. Its standard purchase rate of 22.49% p.a. is typical for cards in this category, so you’ll get the best value by paying your balance in full each month and enjoying up to 44 days interest-free.
What we love…
Many “no annual fee” cards are stripped bare, but Citi Simplicity gives you more than just a line of credit. It’s built around simple, fee-free access plus real lifestyle savings:
- No fees, ever: No annual fee, no late fees, and up to four additional cardholders free of charge.
- Luxury Escapes discounts: Save 15% on Limited Time LUX Exclusive hotels (up to $250 per booking) with code MYLUXPROMO. You’ll also enjoy 10% off international tours (up to $250) using MYLUXTOURS10. Offers valid until 1 March 2026.
- Trip.com flights: Receive 5% off international flights from Australia when you book via Trip.com and use code AUSFLY5. Book by 31 December 2025 for travel until 30 September 2026.
- Expedia & Wotif hotels: Enjoy 10% off selected stays with codes EXP10TRVL (Expedia) or WOT10TRVL (Wotif). Book by 31 January 2026 and complete your stay by 30 June 2026.
- Complimentary insurance: Eligible purchases are covered by Purchase Cover and Extended Warranty Insurance — a rare perk on a card that charges no annual fee.
- Citi Instalment Plans: Convert large purchases into fixed monthly repayments at a set interest rate, giving you budgeting flexibility.
Support for Apple Pay, Samsung Pay and Google Pay rounds out a strong package for a low-maintenance credit card.
What’s not so great…
The Simplicity doesn’t offer a rewards program or introductory 0% deals, so it’s not for you if you want to earn points or chase promotional interest rates. And, as with most cards, carrying a balance is expensive because of the ongoing purchase rate (22.49% p.a.). You’ll get the most from this card by paying off purchases within the interest-free period.
Why should you choose this card?
If you value clarity and predictability, the Citi Simplicity Credit Card fits the bill. It gives you cost certainty — no fees, ever — while still providing practical benefits you can use every day, from shopping protection to genuine travel savings. It’s especially handy if you want to keep a card on hand for emergencies without incurring ongoing charges.
Overall Rating
Combining a fee-free structure with discounts and insurance benefits, the Citi Simplicity Credit Card is more than a basic “no annual fee” option. It offers tangible extras, clear terms, and flexibility for cardholders who don’t need rewards but do want value and peace of mind. For a simple credit card with real perks, Simplicity remains one of the best in its class.
User reviews
Rates and fees
Interest rates
Purchase rate 22.49% p.a.
Cash advance rate 22.99% p.a.
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit $2,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee $0 p.a. (up to 4)
Foreign transaction fee 3.4%
Minimum repayment 2% or $30 whichever is greater
Cash advance fee 3.5% or $3.50, whichever is greater (Domestic); $5 (International)
Late payment fee $0
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
Citi Simplicity Credit Card
Citi Simplicity Credit Card makes everyday spending simple with no annual fee and no late fees — ever. You’ll also get practical benefits such as complimentary insurances, up to four free additional cardholders, and a competitive 22.49% p.a. purchase rate. Plus, enjoy travel discounts on hotels, tours and flights.
Key features
- No annual fee, no late fees ever
- 22.49% p.a. retail purchase rate
- Up to 44 days interest-free on purchases (if you pay in full)
- Up to 4 additional cardholders at no cost
- Complimentary Purchase Cover Insurance and Extended Warranty Insurance
- Use Citi Instalment Plans to manage large purchases
- Compatible with Apple Pay, Google Pay, and Samsung Pay
- Luxury Escapes: 15% off Limited Time LUX Exclusive hotels (up to $250) with code MYLUXPROMO, plus 10% off international tours (up to $250) with MYLUXTOURS10. Offer ends 1 March 2026.
- Trip.com flights: 5% off international flights from Australia with AUSFLY5. Book by 31 December 2025 for travel until 30 September 2026.
- Expedia & Wotif: 10% off selected hotels using EXP10TRVL (Expedia) or WOT10TRVL (Wotif). Book by 31 January 2026, complete stay by 30 June 2026.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question109 questions (showing the latest 10 Q&As)
Can I cancel my Citi Premier Qantas rewards card for a Simplicity Credit card, with no annual fee.
I no longer require Qantas points
Hi Maxine, you’re actually on Creditcard.com.au, Australia’s leading credit card comparison site. You can give them a call directly at 13 24 84. Swapping out one credit card for the other, depending on the provider, usually involves a new application and credit check. Although it’s still worth calling to chat through your options. Good luck Maxine!
Can i balance transfer zip pay and steppay to citi simplicity credit card
Hi Mary, the good news is that Citi is one of the providers that allow balance transferring BNPL debts, including Zip Pay. As Step Pay is linked to a debit or credit card, it might be possible. Check whether you can pay your Step Pay account via BPay, and if so you might also be able to transfer that debit too. Let us know how you go Mary, and we’ll update our article with the new information. Thanks!
Hi,
Could I use this card to have access to airport lounges?
Cheers,
Bernice
Hi Bernice, sadly the Citi Simplicity Credit Card does not include lounge access. You might want to check out our comparisons of Credit Cards with Airport Lounge Access for other options. Good luck and happy travels!
Hi Angela, if your card has an annual fee, it usually appears on your statement once a year, starting with your first statement after opening the account and then on the anniversary of your card renewing every 12 months.
Do you do balance transfer credit card for BNPL services such as ZIP Money
Hi Sarah, our research suggests that Citi accept BNPL debt. If you'd like to learn more about moving your BNPL to a balance transfer credit card, my guide walks you through the steps required. Good luck Sarah!
I got approved for a citi credit card, but i want a card with no fees
Hi Sabaratnam, you may be able to contact Citi and ask them to help you sort it out. I've found their customer service to be very helpful. The Citi number is 1300 555 727. All the best!
Dear Pauline,
I have a Citi Simplicity Credit Card with a credit card limit of $44,000
Is it possible to perform a balance transfer from the Citi Simplicity Credit Card to a non Citibank credit card or savings account?
Hi John, generally, you can perform a balance transfer to a non-Citibank credit card or account. Just ensure that the account names match. I suggest reaching out to the receiving financial institution to confirm that they allow such transfers.
does this card have reward points
Hi Leanne, the Citi Simplicity card does not have a rewards program but some of the other Citi cards do. You can also check the range of rewards credit cards we have listed for alternative options.
I recently got a citi Simplicity card and was told I could transfers balances from other credit cards, is that right?
Hi, congratulations on your new card! The Citi Simplicity terms state that balances must be transferred within 90 days from card approval. As the consumer side of Citi was recently acquired by NAB make sure you double check what brands you can transfer from, as this might have changed.
Naihg
27 October 2024Used to be a great card but they keep changing terms making it worse and worse. Higher rates, fewer days interest free. I think they're trying to get rid of customers
Does not recommend this card