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Citi Simplicity Credit Card

The Citi Simplicity Credit Card offers a range of platinum features with a promise that you will never pay any annual fee on the card. In conjunction with this  no annual fee ever offer, you'll get up to 55 days interest free, free wine when you dine with the Citi Dining Program and the convenience of worldwide acceptance with Visa and Visa payWave.

Introductory Offer: 0% p.a. on Balance Transfer for 15 months PLUS Up to $50 cash back: 5% cash back on all retail purchases (up to $1000 spend) in the first 90 days from account approval.

Offer conditions: Apply by 31st January 2018, the balance transfer rate reverts to the cash advance rate at the end of the 15 months. A 1.5% Balance Transfer Fee applies.

  • No late fees - Ever.
  • No annual fee - Ever.
  • Up to 55 days interest free - on purchases
  • Enjoy a free bottle of award winning wine every time you dine - at hundreds of participating restaurants with the Citi Dining Program.
  • Personal Loans and Lines of Credit - accepted as balance transfers
  • Peace of mind - Complimentary Purchase Cover Insurance, Transit Accident Insurance and more - full details below the table.
  • Low Minimum Income eligibility - at $35,000
  • Guaranteed pricing scheme - ensuring you never pay too much 
  • 4 Additional Cardholders - No annual fee, ever.
  • Platinum Concierge - 24/7 service
Credit Card Details
Provider Citi
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 19.99%
Cash Advance Rate 19.99%
Interest Charged From Purchase date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 15 months
Balance Transfer Fee 1.5%
Balance Transfer Processing Time 10 - 14 days
Max. Balance Transfer 80% of available credit limit
Revert rate 19.99% p.a.
Intro Offer 0% p.a. on Balance Transfer for 6 months PLUS 5% cash back (capped at $50) for the first 90 days.
Offer end date 31st January 2018
Rewards Program No
Rewards Points No
Acceptance Criteria
Age to Apply 18
Min. Income $35,000
Residency Australia
Temporary residents No
Min. Credit Limit $6,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment $30
Annual Fee $0
Over Limit Fee $0
Duplicate Statement fee $7
Late Payment Fee $0
Min. Monthly Repayment % 2%
Max. Credit Limit $100,000
Cash advance fee 3.50
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3.3% of transaction value
Overseas atm withdrawal fee $5
Complimentary travel insurance Yes, Complimentary Transit Accident Insurance

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.