Citi Simplicity Card

Save with a $0 annual fee for life and enjoy a 0% interest rate on balance transfers and purchases for up to 6 months.

The Citi Simplicity gives you a way to save on your credit card costs, with a $0 annual fee for life and no late fees. When you apply by 29 June 2022, you can take advantage of an introductory 0% p.a. on purchases and balance transfers for 6 months (with no balance transfer fee).

No reviews yet. Write a review

0% p.a.

Balance transfer rate

for 6 months

0% p.a.

Purchase rate

for the first 6 months (reverts to 21.49% p.a.)

$0 p.a.

Annual fee

55 days

Interest free period

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameCiti Simplicity Card
Balance transfer rate p.a.0% for 6 months
Balance transfer revert rateCash Advance Rate (22.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.0% for 6 months, reverts to 21.49%
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate22.24% p.a.
Min credit limit$6,000
Max credit limit$100,000
Card typeMastercard
Foreign currency conversion fee3.4%
Minimum income$35,000
Available to temporary residentsNo
Joint applicationNo


  • Ongoing $0 annual fee
  • 0% p.a. for 6 months on purchases and balance transfers
  • No late payment fees


  • At the end of the balance transfer period, any remaining unpaid balances will revert to the variable cash advance rate, currently at 22.24% p.a.
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$0
Foreign currency conversion fee3.4%
Cash advance fee3.5%
Overseas cash advance fee$5
Additional cardholder fee$0
Number of additional cardholders4

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

As the name suggests, the Citi Simplicity keeps it simple with a $0 annual fee and a handful of modest benefits. These include complimentary purchase cover and extended warranty insurance, plus seasonal shopping, dining and travel deals through Mastercard Priceless Cities.

How to apply

If you would like to apply for this card, please complete and submit the secure online application. Before applying you will need to ensure that you meet the following criteria.

Eligibility criteria

  • Age. Applicants must be at least 18 years of age.
  • Income. Earn a minimum taxable annual income of $35,000.

Card benefits

  • $0 annual fee. You won't pay an annual fee for the life of the card and you can add up to 4 additional cardholders at no cost.
  • Purchase rate offer. Save with 0% p.a. interest on new purchases for the first 6 months, reverting to 21.49% p.a. thereafter. This offer is only valid until 29 June 2022.

Rates & fees

  • Purchase rate. Outside of any promotions, this card charges a variable purchase rate of 21.49% p.a.
  • Interest-free days. Benefit from up to 55 days interest-free on purchases. This is only available if you've paid your statement in full and do not have a remaining balance from a balance transfer.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


  1. Default Gravatar
    December 11, 2017

    I want to transfer my ANZ Platinum card to your $ pa ever card

    I am Retired.. Current manipulating assets to provide a irrevocable pension to sit alongside the STD pension..

    That will take about 6-8mos whilst I finish building a car and sell the other 2

    • Avatarfinder Customer Care
      December 19, 2017

      Hi Barry,

      Thank you for your inquiry.

      Are you pertaining to this Citi Simplicity Card? If so, you might need to contact Citibank directly to confirm if you’re eligible to apply since you’re retired. With this card, you’re required to have an income of more than $35,000 a year. If in case you’re eligible to apply, you would also need to submit 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).

      Moreover, please note that with credit card balance transfers, you have to go through the card application and meet the eligibility requirements. If you’re approved for the card, your BT will also be approved. The amount you can also transfer should not exceed your approved credit limit. For this Citi Simplicity Card, you can transfer debts from other cards up to 80% of your available credit limit.

      Hope this information helps.


  2. Default Gravatar
    November 13, 2017

    Hi, can you have two card holders on the same account example as husband and wife?

    • Default Gravatar
      November 13, 2017

      Hi John,

      Thank you for your inquiry.

      Please be advised that credit card accounts are established based on any one person’s income and financial details. Usually, due to the nature of risk and lending, it will not be possible to open a joint credit card. There are only selected card issuers that may allow you to do so.

      Should you wish to pursue applying for this card, your alternative is to add supplementary cardholder(s) once approved.

      Hope this helps.


  3. Default Gravatar
    October 23, 2017

    First time to use a credit card. What facilities are available to pay what’s owing on the credit card. Can I do a direct transfer from my savings account

    • Avatarfinder Customer Care
      October 23, 2017

      Hi Nick,

      Thanks for your question.

      There are different ways on how you can pay your credit card bill on time:

      Internet banking – you can link your credit card, transaction account or savings account using Internet banking.

      Autopay – most banks also allow you to download and complete an autopayments form to debit funds from a nominated transaction account.

      BPAY – After logging into your Internet banking account, look for the “Make BPAY payment” section. Enter your credit card number, the BPAY biller code and how much you want to pay.

      At a branch – Make a cash or cheque payment in person at a branch.

      By post. You can send a cheque in the mail to the address listed on your credit card statement. This is a lengthy process and there’s a chance you’ll incur late payment fees if your cheque doesn’t clear in time.

      I hope this helps.


  4. Default Gravatar
    September 4, 2017

    Will I get $50 cashback (the maximum) if I make a purchase of $700? Or is the cashback only for purchases that are less than $500?

    • Default Gravatar
      September 4, 2017

      Hello Alan,

      Thank you for your question.

      As per Terms on the Citi website, it says that:

      1. The 10% cash back will be earned on all eligible purchases, made in Australia and internationally, up to $500 spend each month for the first 4 months from account approval (promotional period).

      Hope this helps.


    • Default Gravatar
      September 5, 2017

      So is that a yes or no to the question?
      He asked if a spend over $500 gets cashback.

      My question. Are rates and rego eligible for cashback? The wording in the terms and conditions are different to your new rewards cards terms.

    • Avatarfinder Customer Care
      September 5, 2017

      Hi Claire,

      Thank you for your inquiry.

      The answer to Alan’s question above is “yes” as stated in the T&Cs, the 10% cash back will be earned on all eligible purchases up to $500. Since he’s spending reached $700, he can only earn $50 cash back from that. Although the $50 is the maximum cash back per month up to a total of $200 over the 4 month promotional period.

      As for your second question, although I’m not sure what you meant by “rates and rego”, the eligible purchase is defined by Citibank as:

      “Any Retail Purchase which is made by the use of a Card or any other means permitted by Citi, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/ Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citi loan accounts (mortgage etc.), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, all other transactions.”

      Hope this helps.


  5. Default Gravatar
    August 21, 2017

    hi , the 10% cash back on eligible purchases. what does it mean, please advise me where i can use this card for the eligible purchases to get 10 percent back

    • Avatarfinder Customer Care
      August 21, 2017

      Hi Varun,

      Thank you for your inquiry.

      The 10% cash back will be earned on all eligible purchases, made in Australia and internationally, up to $500 spend each month for the first 4 months from account approval (promotional period). Maximum cash back that can be awarded is $50 per month up to a total of $200 over the 4 month promotional period.

      I hope this information has helped.


Go to site