Citi Simplicity Mastercard Benefits
With the Citi Simplicity Mastercard, you'll never have to worry about an annual fee or late payment fee, offering a little extra peace of mind for your everyday spending.


10% off selected hotels with Expedia or Wotif$
Save on your next getaway with 10% off selected hotels on Expedia or Wotif.
Book by 31 January 2026 and complete your stay by 30 June 2026.
How to book:
1. Click on the unique booking link for Expedia or Wotif
2. Select a hotel that displays ‘Coupon eligible’, reserve and select ‘Pay now’
3. Enter code EXP10TRVL for Expedia or WOT10TRVL for Wotif at checkout, pay with your Citi Credit Card and your 10% discount will be applied.
5% off international flights from Australia with Trip.comπ
Enjoy 5% off international flights from Australia with no blackout dates on Trip.com. Whether you’re dreaming of sandy beaches, bustling cities, or serene landscapes, book with Trip.com and travel when it suits you.
How it works:
1. Click through the unique link below and browse an international flight from Australia
2. Book by 31 December 2025 for travel by 30 September 2026
3. Enter discount code AUSFLY5 at checkout, pay with your Citi Credit Card and the 5% discount will be applied automatically


Up to 15% off selected Luxury Escapes hotels
Value | Up to $250 per booking
Get up to 15% off (up to $250 per booking) on 'Limited Time LUX Exclusive' hotel offers:
-
15% off international hotel bookings with Promo Code MYLUXPROMO15**
-
10% off bookings made within Australia with Promo Code MYLUXPROMO10**
You can also enjoy 10% off International Tours (up to $250 per booking) with Promo Code: MYLUXTOURS10**.
Valid until 1 March 2026.
Complimentary Insurance
Access Purchase Protection Insurance and Extended Warranty Insurance when you use your Citi Simplicity Mastercard for purchases.~


Monthly offers with My Cashback
Enjoy cashback offers from a variety of retailers each month with your Citi Simplicity Mastercard. Just use your card for purchases, and you’ll automatically receive My Cashback offers in the Citi Mobile® App.++
To view your latest cashback offers, simply check the Citi Mobile® App.
Other cards and benefits
Important Information
$ To receive the 10% discount on your stand-alone prepaid hotel booking at participating hotels you must book via the unique www.expedia.com.au/traveloffer or www.wotif.com/traveloffer link from 25 February 2025 to 31 January 2026 for stays completed by 30 June 2026, enter the Coupon code on the payment page, and pay with your valid Citi Credit Card issued by NAB. Discount applies to the first room in multi-room bookings and cannot be combined with other Coupon codes or applied to past bookings. Taxes, fees, and other charges are not included in the discount. The offer is subject to availability and Expedia and Wotif booking terms (see Expedia and Wotif). We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. NAB may receive a commission from Expedia or Wotif on all hotel bookings made under this offer.
π To be eligible to receive the 5% discount on your international flight from Australia, the flight must be booked via the unique Trip.com link on either the Mobile App or website from 28 November 2024 to 31 December 2025 for travel by 30 September 2026. To receive the 5% discount, you must enter the promotional code at checkout and pay with your eligible Citi Credit Card. Eligible cards are Citi Prestige Mastercard, Premier Mastercard, Rewards Mastercard, Simplicity Mastercard, Clear Mastercard and Classic Plus Card. The discount will apply to the price including taxes and fees. This discount applies to single, return and multi-city flights from Australia. Bookings of "flight+hotel" and "ticket+hotel" are excluded from this promotion. Only one promo code can be applied to each reservation. Promo codes cannot be used in conjunction with any other promotions or offers and cannot be exchanged for cash or Trip Coins. Cancellation policy may vary. Please refer to the cancellation policy of the specific ticket type before booking. Trip.com reserves the right to cancel any bookings of members who engage in fraudulent, disruptive, or abusive behaviour, or who violate these terms. We may vary or cancel the discount offer at any time acting reasonably. We may vary or end this offer at any time. Other forms of payment e.g. PayPal, gift cards or loyalty points will not be eligible for the discounted offer. Listed Citi Credit Cards are eligible provided your account is open and in good standing (for example - your account is not in default, suspended or closed).
** 10% discount is valid on 'Limited Time LUX Exclusive' hotel offers in Australia and 15% discount on ‘Limited Time LUX Exclusive’ international hotel offers and a 10% discount on international tours (excluding flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer is valid at Australian website only. Offer is exclusive to Citi branded cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2026. To be eligible, customers must use their Citi branded card at checkout along with the promo codes MYLUXPROMO10 when purchasing ‘Limited Time LUX Exclusive’ hotels in Australia, MYLUXPROMO15 for ‘Limited Time LUX Exclusive’ international hotel offers or MYLUXTOURS10 when purchasing an international tour, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. We may vary or end this offer at any time acting reasonably. We will notify you of any changes electronically (including via www.citibank.com.au/credit-cards/benefits) or other appropriate method as soon as reasonably practicable. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer. Offer ends 1 March 2026.
~ AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB") which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi"). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Citi Credit Cards Complimentary Insurance Policy Information Booklet which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
++ My Cashback offers are subject to eligibility and only available if your account is and remains in good standing (for example – your account is not in default, suspended or closed). For more information, visit the My Cashback page.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.