Citi Simplicity Card

Offer

Card features

balance transfer

purchase

annual fee

Apply

Apply by 31 mar 19

Citi Simplicity Card

No annual fee.

0% p.a. for 6 months on balance transfers.

Complimentary purchase cover insurance, transit accident insurance, extended warranty insurance and guaranteed pricing scheme.

Add to comparison

6 months
0% p.a.
then 19.99%
with a 0% fee

19.99% p.a.
ongoing

$0
ongoing

How do I apply?

Pros & cons

What's good?

What's not so good?

No annual fee.

No late fees.

0% p.a. for 6 months on balance transfers.

Up to 55 days on purchases.

Complimentary purchase cover insurance, transit accident insurance, extended warranty insurance and guaranteed pricing scheme.

Enjoy a free bottle of award winning wine every time you dine at hundreds of participating restaurants with the Citi Dining Program.

After the 0% p.a. balance transfer period is completed, any unpaid balances will be subject to the 19.99% p.a. interest rate.

Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup

Single

Card tier

Standard

Card type

Visa

Card use

Personal

Credit rating

Good

Gambling transactions allowed

Joint application

Minimum age

18 years old

Minimum income

$35,000

Minimum income for pensioners

Same as standard

Pensioners

Eligible (more details)

Rewards program

None

Temporary residents

Yes

Cardholders

Additional cardholders

Additional card fee

$0 p.a.

Credit limits

Minimum credit limit

$6,000

Maximum credit limit

$100,000

Repayments

Interest charged from

Purchase date

Interest free period

Up to 55 days on purchases

Minimum repayment

Balance transfers

The offer

	Interest rate	Period	Fee	Limit	Revert rate
Balance transfers	0% p.a.	6 months	0%	80% of credit limit	19.99% p.a.

Balance transfers to this card

Balance transfer earns rewards

Balance transfer fee payment due

First statement

Balance transfer from personal loan

Balance transfer processing time

10 - 14 days

Interest free days with unpaid balance

0 days

Maximum balance transfer

80% of credit limit

Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Citi Simplicity Card at the promotional balance transfer rate from:

Bank of Queensland
Beyond Bank
Citi
Family First Credit Union
FCCS Credit Union
IMB
MyState Financial
Qantas Money
Suncorp

Rates & fees

Promotional interest rates

	Interest rate	Period	Fee	Limit	Revert rate
Balance transfers	0% p.a.	6 months	0%	80% of credit limit	19.99% p.a.
Purchases	N/A	N/A	N/A	N/A	N/A

Ongoing interest rates

	Monthly	Annually
Cash advances	1.67%	19.99% p.a.
Purchases	1.67%	19.99% p.a.

Fees

Annual fee

$0 p.a.

Cash advance fee

3.5%

Dishonour fee

$15

Duplicate statement fee

Foreign exchange fee

3.4%

Late payment fee

Over limit fee

N/A

Overseas ATM balance fee

Overseas ATM withdrawal fee

Overseas emergency card replacement fee

N/A

Transaction verification fee

N/A

Minimum criteria for this card

What you need before applying

Be over 18 years old

You are a resident or citizen of Australia

Earn a regular income of more than $35,000 per year

Have a good credit history

You have your personal details ready to complete the online application

Have not applied for multiple credit cards recently

Temporary residents are eligible

Age Pension, Disability Pension and Widower's Pension are acceptable.

Carer's Allowance and Child Support Payments are acceptable.

Joint applications are not allowed

Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.