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Citi Simplicity Credit Card
Citi Simplicity Credit Card

Citi Credit Cards

Citi Simplicity Credit Card

Updated 22 July 2021

The Citi Simplicity Card comes with no annual card fee, no late fees and no additional card holder fee. This offer includes 0% p.a. on purchases and balance transfers for 6 months (no balance transfer fee applies, reverts to the cash advance rate). Great for a secondary form of back up funds, great for a primary card. T&Cs apply.

Purchase Rate (p.a)

0% p.a.

for 6 months. Reverts to 21.49% p.a.

Balance Transfer (p.a)

0% for 6 months No balance transfer fee.
Reverts to 22.24% p.a.

Annual Fee (p.a)

$0

$0 over 6 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual card fee and no late fees
  • 0% p.a. for 6 months on purchases and balance transfers (no balance transfer fee, reverts to cash advance rate).
  • Possible to balance transfer loans as well as credit cards and store cards
  • Range of complimentary insurance covers and benefits
  • Free bottle of wine at Citibank's dining partner restaurants (located on the Citi smart-phone app. T&Cs apply
  • No additional cardholder fee

  • High purchase rate of 21.49% p.a.

Creditcard.com.au review

Editor Review

Citi Simplicity Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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.

User reviews

Citi Simplicity Credit Card ( based on 8 Creditcard.com.au user reviews )

76% rating based on 8 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 21.49% p.a.

Introductory purchase rate 0% p.a. for 6 months

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 22.24% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Citi

Credit limits

Minimum credit limit $6,000

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 Domestic 3.5% or $3.50 (whichever is greater) ; International $5

Late payment fee $0

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Free wine when you dine with the Citibank Dining Program. T&Cs apply

Eligible with Apple Pay and Samsung Pay

Overview

Citi Simplicity Credit Card

Add to this premium card features like complimentary insurances; transit accident, extended warranty, purchase cover, guaranteed and pricing scheme. Enjoy free wine every time you dine with the Citibank Dining Program plus no annual fee for up to 4 additional cardholders. Perfect for a 2nd card for access to emergency funds when needed or primary no fee offering. Minimum credit limits of $6,000 with maximum of $100,000. Right up with the most premium of cards. Minimum 35k income required and good credit.

Key features

  • No annual card fee
  • No late fees ever
  • 0% p.a. for 6 months on purchases and balance transfers (no balance transfer fee, reverts to the cash advance rate)
  • Up to 55 days interest free on purchases
  • No additional card holder fee - You may have up to four (4) additional cardholders, who must be 16 years or older.
  • Complimentary Transit Accident Insurance
  • Complimentary Purchase Cover Insurance
  • Complimentary Extended Warranty Insurance
  • Guaranteed pricing scheme
  • Free wine every time you dine with the Citibank Dining Program. T&Cs apply

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

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

99 questions (showing the latest 10 Q&As)

James Woo

James Woo

22 May 2021
Hi I already have a credit card. can I still apply so that I can cancel my old card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 May 2021
    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.
Mark Breen

Mark Breen

21 May 2021
Does this card support use on Samsung Pay
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 May 2021
    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.
GRD

GRD

7 April 2021
Can Citi Simplicity Credit Card be setup to automatically pay my monthly bill from another bank, such as Ubank?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 April 2021
    Hi Geoffrey, as long as Ubank allows you to set up an autopayment from a credit card, the Citi Simplicity could be used.
CMD

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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 March 2021
    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.
Ron Gooch

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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 February 2021
    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.
sam

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
Oldie

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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 December 2020
    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.
Joan Herbert

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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 November 2020
    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.
Darlene Michael

Darlene Michael

10 September 2020
How do I sign in to pay our citi-simplicity credit cards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 September 2020
    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.
henrietta

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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2019
    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.
Lucian Anders

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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 April 2019
    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.
Jan

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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 April 2019
    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.
Scott

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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 March 2019
    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.
Donna

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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2019
    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.
SM

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.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2018
    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.
CJ

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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2018
    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.
Tim

Tim

9 November 2018
Does this card have paywave?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2018
    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.
Paul

Paul

24 October 2018
How many reward points do you receive per dollar spent using this card, thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 October 2018
    Hi Paul, there is no rewards program with the Citi Simpliciy. Thus you earn no points per dollar spent.
Teresa

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

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