- 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 44 days interest free on purchases
- Up to 4 additional card holders, no fee
- Receive monthly cashback on purchases from your favourite stores with My Cashback offers
- Enjoy 15% discount (up to $250) Limited Time Lux Exclusive hotel offers when you use Promo Code: MYLUXPROMO and 10% off international tours (up to $250) with Promo Code: MYLUXTOURS10. Offer available until 1 March 2026.
- 5% Off International Flights with Trip.com: Save 5% on international flights from Australia with no blackout dates. Enter discount code AUSFLY5 at checkout. Book by 31 Dec 2025, travel by 30 Sep 2026.
- Get 10% off selected hotels on Expedia or Wotif. Enter code EXP10TRVL for Expedia or WOT10TRVL for Wotif at checkout. Book by 31 January 2026 and complete your stay by 30 June 2026.
- Complimentary Purchase Cover Insurance and Extended Warranty
- Pay eligible purchases using Citi Instalment Plans
- Compatible with Apple Pay, Google Pay and Samsung Pay
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Citi Credit Cards
Citi Simplicity Credit Card
Updated 18 June 2025
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 22.49% p.a.
Balance Transfer (p.a)
0% for 6 months
No balance transfer fee.
Reverts to 22.49% p.a.
Annual Fee (p.a)
$0
Pros and cons
- High purchase rate of 22.49% p.a.
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
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 22.49% 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:
- NEW FEATURE: My Cashback. My Cashback is a no-fuss, hassle-free rewards program of Citi which allows cardholders to automatically receive monthly cashback on their purchases when they use their Citi Clear Card to shop from their favorite brands. Access the program in the Citi Mobile® App and check some personalised offers.
- You can benefit from the peace of mind knowing you are backed by several complimentary insurance covers such as Purchase Cover Insurance and Extended Warranty.
- You can enjoy awesome experiences around the globe with Mastercard® Priceless Cities benefits.
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
Rates and fees
Interest rates
Purchase rate 22.49% p.a.
Introductory purchase rate 0% p.a. for 6 months
Cash advance rate 22.99% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer revert rate 22.49% p.a.
Balance transfer from personal loan Yes
Balance transfer fee No fee
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Citi
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
Add to this premium card features like complimentary insurances; extended warranty, and purchase protection cover. Enjoy no annual fee for up to 4 additional cardholders. Perfect for a 2nd card for access to emergency funds when needed or a primary no-fee offering. Minimum credit limits of $2,000 and a maximum of $100,000. Right up with the most premium of cards.
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 4 additional card holders, no fee
- Up to 44 days interest-free on purchases
- Complimentary Purchase Cover Insurance and Extended Warranty
- Pay eligible purchases using Citi Instalment Plans
- Compatible with Apple Pay, Google Pay and Samsung Pay
- Enjoy 15% discount (up to $250) Limited Time Lux Exclusive hotel offers when you use Promo Code: MYLUXPROMO and 10% off international tours (up to $250) with Promo Code: MYLUXTOURS10. Offer available until 1 March 2026.
- 5% Off International Flights with Trip.com: Save 5% on international flights from Australia with no blackout dates. Enter discount code AUSFLY5 at checkout. Book by 31 Dec 2025, travel by 30 Sep 2026.
- Get 10% off selected hotels on Expedia or Wotif. Enter code EXP10TRVL for Expedia or WOT10TRVL for Wotif at checkout. Book by 31 January 2026 and complete your stay by 30 June 2026.
- Receive monthly cashback on purchases from your favourite stores with My Cashback offers
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