Citi Simplicity Card

On website

Citi Simplicity Card

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • No late fee. No annual fee.
  • Benefit from 0% interest on Purchases for 6 months. Returns to ongoing Purchase rate afterward.
  • Transfer your current balance at 0% for 6 months with a 0% balance transfer fee.
  • Obtain extra cards with a $0 annual fee (up to 4 additional cardholders aged at least 16 years).

Pros and cons

Pros

  • The ongoing $0 annual fee.
  • No late payment fees.
  • Get 10% off on selected hotel offers from Luxury Escapes until 1 March 2025 (capped at $250).

Cons

  • Balance transfer reverts to cash advance rate of 22.24% p.a. after 6 months.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$35,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$100,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
0%

Balance transfer conditions

Balance Transfer From Personal Loan
Yes
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
22.24%

Rates, fees, charges

Cash advances

Cash Advance Rate
22.24% p.a.
Cash Advance Fee
$3.50
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
0%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
21.49% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$0.00
Foreign Exchange Fee Percentage
3.4%
Late Payment Fee
$0.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

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