Citi Simplicity Credit Card

Roland Bleyer

Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.

The Citi Simplicity Credit Card

Far from ‘simple’, the Citi Simplicity Credit Card is a no annual fee card that is chock full of extras. Not only can you benefit from a dazzling array of complimentary features, as a cardholder, you can also take advantage of this great introductory offer with 0% p.a. on purchases and balance transfers for 6 months.

What we love…

Before we start in on all those lovely extras, let’s talk about the Citi Simplicity Credit Card’s introductory offer. If you have existing credit card debt, you can benefit from this card’s 0% p.a. on balance transfers for 6 months to help you save on interest and pay down that debt. You can transfer up to 80% of your approved credit limit.

Of course, there are plenty of credit cards out there offering fancy features and enticing introductory offers. But, all those extras generally come at a price, with cardholders paying a high annual fee for the privilege of accessing them. Not so, the Citi Simplicity Credit Card. This card has no annual fee for the primary cardholder and up to four additional cardholders, plus no late fees.

Yes, there are lots of no annual fee cards out there too, but when you start comparing features, you’ll notice most no annual fee cards don’t actually offer many features. Happily, the Citi Simplicity Credit Card has no annual fee and a multitude of features, many of which you would only find on – much more expensive – platinum cards. But, more on that later.

It also comes with 0% on purchases for 6 months. Reverts to 21.49% p.a. after the 6 month period ends.

What’s not so great…

There’s not too much to complain about with the Citi Simplicity Credit Card. If you take up the balance transfer offer, be aware that if you don’t clear your transferred balance within 6 months, it will revert to the card’s cash advance rate. Also, it’s best to avoid interest accruing on this card after the introductory purchase offer, as the ongoing purchase rate is relatively high.

Why should you choose this card?

If you want a credit card that charges no annual fees, but still has heaps of extras, the Citi Simplicity Credit Card could be the card for you. Aside from its introductory offer, the card provides the following fantastic features:

• With the Citibank Dining Program, you can enjoy a free bottle of wine every time you dine at hundreds of participating restaurants and pay with your Citi Simplicity Credit Card.
• You can benefit from the peace of mind knowing you are backed by several complimentary insurance covers, including Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme.
• With Citi World Privileges, you will have access to incredible offers around the world, taking in everything from dining and shopping, to sports and spas.

Overall Rating

A feature-packed card, the Citi Simplicity Credit Card offers some serious value, with no annual fee ever, plus 0% p.a. on purchases and balance transfers for 6 months.