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- Citi Simplicity Card
Citi Citi Simplicity Card
- Balance Transfer
- Apple & Samsung Pay
- Balance transfer
- No annual fee
0% p.a. on balance transfers and purchases for 6 months
Purchase rate p.a.
0.00%
for up to 6 months, then 21.49%
Balance transfer rate
0%
Annual fee
$0
Citi Citi Simplicity Card
- Balance Transfer
- Apple & Samsung Pay
- Balance transfer
- No annual fee
Purchase rate p.a.
0.00%
for up to 6 months, then 21.49%
Balance transfer rate
0%
Annual fee
$0
Pros and Cons
For Citi Citi Simplicity Card
Benefits
- No Annual Fee
- Ability to convert large purchases into instalment plans
- Free supplementary cards
- Price guarantee
- Extended warranty
- Concierge
- Partner discounts
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- No reward program
Citi Rate Credit Card overview
For Citi Simplicity Card
Details
Card level
Standard
Card type
MasterCard
Interest free days
55
Minimum monthly repayment
2% or $30
Minimum credit limit
$2,000
Maximum credit limit
$100,000
Free supplementary cards
Instant approval
Target Market Determination
Visit Citi to view Target Market Determination.
Fees
Annual fee
$0
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$0
Over limit fee
Duplicate statement fee
$0
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
0.00%
for up to 6 months, then 21.49%
Cash advance rate
22.24%
Cash advance fee
3.5% or $3.5
Balance Transfer
Balance transfer rate
0%
Transfer limit
80%
of the approved credit limit
Balance transfer fee
Overseas spending
Foreign exchange fee
Overseas charges
$5
Estimated ATM cost
$15.2
for AU $300 withdrawal
Rewards
Program name
Rewards available
Eligibility
Minimum age
18
Minimum income
$35,000
Eligibility conditions
Residency
Australia CitizenPermanent Resident
Perks
If you purchase personal goods in Australia and then find the same product advertised later at a cheaper price within 60 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is less than $500.
Covers up to $10,000 per item and $200,000 per year
