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Citi Simplicity Card

Citi Simplicity Card

6 months interest free on purchases and balance transfers.1 Simple.

(Balance transfer reverts to cash advance rate)

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No late fees. No annual fee.
No late fees. No annual fee.
Citibank Dining Program
Free wine when you dine with the Citibank Dining Program. Conditions apply.
Citi World Privileges
Citi World Privileges. Access amazing offers at home or across the globe.2
Citi Simplicity Card

Citi Simplicity Card

0% p.a.
on purchases

for 6 months

0% p.a.
on balance transfers

for 6 months

(no balance transfer fee, balance transfer reverts to cash advance rate)1

Keep things worry-free with the Citi Simplicity credit card. It comes with 0% p.a. for 6 months on purchases and balance transfers1, no annual fee ever and no late fees in case life gets in the way of payments.

Discover the benefits of a Citi Simplicity Card


Free wine, anyone?

Enjoy a free bottle of wine every time you dine and pay with your Citi card at one of our partner restaurants. Conditions apply. Learn more about Citibank Dining Program.

Complimentary Purchase Cover Insurance and Extended Warranty Insurance

Receive complimentary insurance for eligible products purchased with your Citi Simplicity credit card, including Extended Warranty Insurance and Purchase Cover Insurance.3

Terms, conditions, exclusions and limits apply. Find out more.

Unlock priceless experiences through Mastercard® PricelessTM Cities

With Priceless Cities, explore unforgettable experiences around the world. Learn more at

Citi World Privileges

Make the most of special offers just for Citi cardholders. From upgraded hotel rooms and car rentals to online shopping discounts and money off your restaurant bill, there’s something to enjoy wherever you go.2 Learn more about Citi World Privileges.

Citi Instalment Plans

Citi Instalment Plans make it easier to pay for life's expenses, whatever they are and whenever they crop up. You can break purchases into smaller, more manageable monthly repayments at a fixed rate over a set term that best suits you.4 Learn more about Citi Instalment Plans.

Citi PayAll

With Citi PayAll, you can pay for your rent, taxes, education fees, property management fees, childcare, miscellaneous bills and more using your Citi credit card. Arrange your Citi PayAll payments in the Citi Mobile® App and keep track of them all in one place. Set up single or regular Citi PayAll payments to recipients with a registered BSB and account number held with an Australian financial institution. A fee of 2% of the Citi PayAll amount applies.5

More ways to pay

Turn your smartphone into a mobile wallet thanks to Apple Pay6 and Samsung Pay.

Rates and Fees


Balance transfer rate

0% p.a. for 6 months. Reverts to cash advance rate.1

Annual fee


Additional cardholder fee

$0. You may have up to four (4) additional cardholders, who must be 16 years or older.

Retail purchase rate

0% p.a. for 6 months.1  Reverts to variable retail purchase rate of 21.49% p.a.

Cash advance rate

22.24% p.a.

Interest free period

Up to 55 days interest-free on retail purchases (unless you have a balance transfer).7

Minimum credit limit


Maximum credit limit


There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed at the Citi credit card fees and charges page.

Here's what you'll need to apply

Around 10 minutes to complete the

Earn more than $35,000 a year

Be 18 years or older and an Australian

Apply now

Important information

Refer to the full Terms and Conditions related to this product here.

Cards are offered, issued and administered by Citigroup Pty Limited. Terms, conditions and credit criteria apply. Other fees and charges may apply. New cards customers only and cannot be used in conjunction with any other offer.

Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating.

  1. Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 6 months from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 21.49% p.a., will apply to the retail purchase balance. Please note you will not be entitled to any interest-free days on retail purchases at the end of the promotional period whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate.
    Balance Transfers: Your total balance transfers may not exceed 80% of your credit limit. The promotional rate of 0% p.a. will apply to balances transferred with this offer at point of application for a promotional period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer promotional period, the interest rate on any outstanding transferred balance will revert to the variable annual percentage rate for cash advances, currently 22.24% p.a. This offer excludes balances transferred from Citibank unsecured credit products. For important information to consider before taking up a balance transfer, please click here. Minimum monthly payments required. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. Please note that if you make a retail purchase before your balance transfer is processed, payments made during the promotional period will be applied to the retail purchase balance before the balance transfer. This offer is valid until 31 May 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.

  2. Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citibank and the business establishment reserve the right to change the terms and conditions at any time. Refer to for up-to-date offer details.

  3. Complimentary insurance covers are subject to eligibility requirements: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of Level 16, 310 Ann Street, Brisbane, QLD 4000 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW 2000 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) of 2-26 Park Street, Sydney NSW 2000 which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Citi does not guarantee this insurance.

  4. Citi Instalment Plans are defined in the Credit Card T&Cs as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

  5. Citi PayAll offers are subject to eligibility and only available if your account is and remains in good standing. Set up Citi PayAll payment instructions using mobile banking or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY® ). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

  6. Apple Pay works with iPhone 6 and later in stores, in selected apps, and on participating websites in Safari; with Apple Watch in stores and selected apps (requires iPhone 6 or later); with iPad Pro, iPad (5th generation), iPad Air 2, and iPad mini 3 and later in selected apps and on participating websites in Safari; and with Mac (2012 or later) on participating websites in Safari with an Apple Pay–enabled iPhone or Apple Watch. For a list of compatible Apple Pay devices, see You can use Apple Pay in stores/merchants wherever NFC contactless payment is accepted. For certain merchant terminals, a transaction limit may apply. You can also make in-app purchases and websites in Safari where Apple Pay is available as a payment option. Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

  7. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

© 2021 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

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