Citi Simplicity Credit Card

Question 1

Rhonda

10 December 2021

How do I apply for a Citi bank simplicity card

Question 2

Pauline

Answer

Hi Rhonda, although we don’t have access to this card, you can go directly to the bank’s page to submit your application. If you’re looking for a card with a similar 0% on purchases and balance transfers offer, you can check our handy 0% purchase and balance transfer comparison tool for more options.

Question 3

James Woo

22 May 2021

Hi I already have a credit card. can I still apply so that I can cancel my old card?

Question 4

Roland

Answer

Hi James, thanks for your question! Keep in mind that the banks will use your current credit limits (among many other things) to determine if you will be approved or not. You can check on the offer page for more information. If you meet the eligibility criteria, yes you can apply for a credit card. If you are looking to transfer your balance from a current Citi account to this card, then it’s important to note that the balance transfer offer won’t apply. Thanks again.

Question 5

Mark Breen

21 May 2021

Does this card support use on Samsung Pay

Question 6

Roland

Answer

Hi Mark, thanks for your question! Looking on to the features of City Simplicity Credit Card, yes it does support the use of Samsung Pay.

Question 7

GRD

7 April 2021

Can Citi Simplicity Credit Card be setup to automatically pay my monthly bill from another bank, such as Ubank?

Question 8

Roland

Answer

Hi Geoffrey, as long as Ubank allows you to set up an autopayment from a credit card, the Citi Simplicity could be used.

Question 9

CMD

26 February 2021

Hi I just would like to ask is this the same card that Kogan offered with rewards and no annual fee? If it is, why they always declined my application, I just want a back up card with no annual fee.

Question 10

Roland

Answer

Hello, the Kogan Money Black card and the Citi Simplicity are two separate products, however, both cards are issued by Citigroup. Unfortunately I can't give you any information about why they may have declined your application. Making multiple applications in a short time, having too high a credit limit, and having a poor credit score are some of the common reasons credit card applications get declined. If any of those apply to you, you can decrease any unused available credit, work to improve your credit score and wait 6 months or so before applying for any other credit product to improve your chances.

Question 11

Ron Gooch

18 February 2021

I am 75years. When I turned 70 I did not need my Suncorp c/c with rewards and associated annual fee. They would not offer another card within their system so I investigated and applied for others. Despite having a strong asset position and no liabilities all my applications were declined. Upon investigation I found the reason for decline was that I was over 70 and living off superannuation. The problem created by applying for various cards was that my credit rating was damaged. I now have heard that over 70's can get a credit card but I do not want to again risk my credit rating by applying for the wrong card and so be stuck with a $200 annual Suncorp fee.. I just want a simple no fee up to 55 day and up to $15k limit card.

Question 12

Roland

Answer

Hi Ron, I'm sorry to hear about your tricky situation. This card has a minimum income requirement of $35,000. Citi requires retirees and self-funded retirees to provide one of the following: 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). If you have those documents and meet the eligibility criteria it might still be a good idea to call Citi and discuss your situation with them. I hope that helps.

Question 13

sam

20 January 2021

Hi, I have tried to apply for this card several times but have been refused. I have been working casual for the past year and am renting. Not sure if i was refused because I my figures were too low or too high? Would appreciate any help on details needed to be accepted. I want this card mainly as a means to have a credit rating in the next year to purchase a home. Thanks, Sam

Question 14

Roland

Answer

Hi Sam, every time you apply its recorded. If you make multiple applications in a short time. Then its likely the bank will auto decline you. Have a read of this feature article https://www.creditcard.com.au/what-to-do-when-your-credit-card-application-is-declined

Question 15

Oldie

11 December 2020

What credit card would you recommend for oldies with smaller incomes of around $30k but larger investments that are being used to top up financial needs.

Question 16

Roland

Answer

Hi Oldie, this card has a minimum income of $35k a year to apply. Typically no annual fee cards are harder to get approved for than low rate cards. I would think a card like the ANZ Low Rate could be the go.

Question 17

Joan Herbert

6 November 2020

I have just graduated from university. I've only been working casual hours throughout university however I now have a contract with my next employer which states from beginning of next year, my annual income will be much higher (75-80K). What is the likelihood of being approved for a no-fee credit card? Can contracts be used as proof of income?

Question 18

Roland

Answer

Hi Joan, you need to meet at least the minimum requirements to apply. The Simplicity card has a minimum income of $35,000 p.a. Even if you have been casual. As long as you at least met this income and other requirements. Then you can apply. No annual fee credit cards are actually harder to get approved for than say low rate cards. No the contracts cannot be used as proof. More that pay slips and bank statements will be. I suggest you wait until you have higher income to apply if you can. If you are keen for a credit card now in the meantime. Then you could try something like the ANZ Low Rate that has a minimum 15k income requirement.

Question 19

Darlene Michael

10 September 2020

How do I sign in to pay our citi-simplicity credit cards?

Question 20

Roland

Answer

Hi Darlene, I see the verizon email address, so not sure if you are located in Australia. Though if you go to the Citi website - https://www.citibank.com.au/aus/credit_cards/cards_existing.htm. Click on Managing Your Account. Then click Payments and Minimum Due. It then provides information on how to pay your Citi Australia credit card bill.

Question 21

henrietta

12 November 2019

i applied and was almost instantly declined with a credit card application (citi simplicity card)..could i get some feedback as to why please

Question 22

Roland

Answer

Hi Henrietta, the Citi Simplicity can be a tricky one to get approval for. Citi have pretty much taken it out of market. You would need to speak to Citi direct to helpfully get some understanding for the decision. Are you looking for a no annual fee card? The 28 Degrees may be of interest if you travel or spend overseas on websites.

Question 23

Lucian Anders

8 April 2019

I am looking for a new credit card. The CITA looks attractive. I am retired with my Australian Super my only income. How do I I meet the income requirements?. I am currently with a majos Australian Bank, and the account has been hacked 4 times in the last 9/10 years. It is happening too often. I would like a credit card where i am notified of every transaction for approval.

Question 24

Roland

Answer

Hi Lucian, it can be hard with some banks for them to see your super as income. Citi may be flexible enough as they do see the pension as income also. If you have an accountant they should be able to verify your income also. Does your super income exceed 35k a year? Has it been over 6 months since your last credit application? If yes then it would be worth having a shot if you are happy with this card. I have a Citi card and do receive an alert on my phone each time a transaction occurs.

Question 25

Jan

7 April 2019

I retired several years ago in the UK and recently became an Australian resident. I receive considerably more than the $35k requirement but the majority comes from my UK occupational pension and rental income. This money is paid into a UK bank and transferred at intervals to my Australian account. Are there any banks willing to issue credit cards to people whose income largely comes from overseas?

Question 26

Roland

Answer

Hi Jan, this is a tricky one. I think most AU banks will struggle to connect the 2 parts of your income. If you are keen for this card. I would give it a shot and see how it goes. Citi as the largest credit card issuer in the world may be able to accept your income sources. If you are knocked back. I would wait 6 months before applying again. Though I would look at an AMEX option. They tend to be the most flexible. I like the Qantas Discovery for earning Qantas points.

Question 27

Scott

6 March 2019

I currently have a Visa card in my name with my wife as secondary card holder. We'd like to have a second Visa in her name for estate planning and for convenience. At times we travel overseas individually. It would cause problems if one of us was overseas and the card had to be cancelled due to loss or fraudulent transactions. We're retired with no debt and substantial investment income. Much of the income comes from my member account in our SMSF of which we are both Trustees. We've left my wife's members account in accumulation due to the possible change in how franking credits are dealt with. My wife does have $30k p.a. from investments in her name. In reality as a married couple the income from the pension is split. In terms of Family Law it's considered a joint asset but the banks seem to look at my wife's income in isolation rather than looking at the total household income. They also don't accept there are reasons for structuring pensions and investments to be tax effective. Can you comment on a CC application for a retired couple with investment income from each individual and the SMSF.

Question 28

Roland

Answer

Hi Scott, I know that AMEX can be friendly to SMSF retirees in terms of understanding income. Though minimum income could be a concern. Overall AMEX can look at household income rather than the individual. You can provide both your wifes income and yours when applying for either of you. The right card will depend on the amount you can spend. Review the range of cards available. https://www.creditcard.com.au/american-express-credit-cards/. You could look at a no annual fee Qantas Discovery or Velocity escape depending on what points you would like to earn. Let me know if AMEX does not suit.

Question 29

Donna

31 January 2019

Hi, when I want to access my statements online do you have extra security after logging in to display them and also do you email statements as a pdf needing a password to view?

Question 30

Roland

Answer

Hi Donna, yes on email statements with a password. On extra security, there is nothing more above the standard login and requirement for you to enter a one time pin that expires in 8 mins.

Question 31

SM

18 December 2018

Hi, i wish to apply Citi Clear Platinum Credit Card, i found online some of Application Criteria Earn a Minimum Income of $35,000 p.a. But can you let me clear if this income or more than this income on casual basis contact terms. At this stage i am working as a casual and i have an casual contract as well and my income as per my gross fortnightly around $3500 before tax,, so am i eligible to apply the card i mention here.

Question 32

Roland

Answer

Hi SM, you will just need to prove a minimum income of $35,000 p.a. to apply. At $3,500 a fortnight this is well below. Its no problem that it is casual. If you can provide your last few pay slips plus your previous notice of assessment should be all good on that front. Approval will depend on a range of factors. Reach our credit card application tips.

Question 33

CJ

3 December 2018

I am retired and have a comfortable amount of superannuation which allows me to easily make any pay off the cad each month. Most (all?) of the cards the cards require a regular income. Do you know of any cards that would accept an irregular income. I travel a bit and would also like a card with a travel insurance component and no international conversion fees

Question 34

Roland

Answer

Hi CJ, you need to meet any minimum requirements to apply for a credit card. The major banks tend to be more flexible with income sources. Based on your requirements, check out the ANZ Rewards Travel Adventure credit card. You need to earn from super at least $35k a year. This card is great for travelling. It earns points, has no foreign fees, no foreign cash advance fees, has a great range of insurance with it. Plus the bonus of 40k Velocity points and a return domestic flight a year. The flight alone covers the $225 annual fee.

Question 35

Tim

9 November 2018

Does this card have paywave?

Question 36

Roland

Answer

Hi Tim, yes the Citi Simplicity has Visa Paywave enabled with this credit card. I believe that all Visa credit cards have this functionality built in.

Question 37

Paul

24 October 2018

How many reward points do you receive per dollar spent using this card, thanks

Question 38

Roland

Answer

Hi Paul, there is no rewards program with the Citi Simpliciy. Thus you earn no points per dollar spent.

Question 39

Teresa

10 September 2018

Hi Roland , for all the complimentary insurance and visa front line. Do we have to apply extra for it or it is automatically covered when I purchase from the card

Question 40

Roland

Answer

Hi Teresa, I found this PDF on the Citi credit card website that provides full details of the overseas travel insurance with your Citi Simplicity - https://www.citibank.com.au/global_images/complimentaryinsurance/pdf/AllianzTermsandconditions.pdf. If you check page 21 if provides the full list of eligibility requirements.

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