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Citi Simplicity credit card
0% p.a. | 6 Months
on purchases and balance transfers.1
Balance transfer reverts to cash advance rate.

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Star
No annual card fee
You'll never have to pay any late fees or annual card fee with the Citi Simplicity credit card.
Card
My Cashback
Enjoy no fuss, no hassle cashback offers each month. Simply spend, save and enjoy!
Insurance
Luxury Escapes
Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers until 1 March 2025.$

Rates and Fees

Balance transfer rate
0% p.a. for 6 months1 with no balance transfer fee. Reverts to cash advance rate.

Annual fee
$0

Additional cardholder fee
$0. You may have up to 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, currently 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).<

Minimum credit limit
$2,000

Maximum credit limit
$100,000

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 on our credit card fees and charges page.

A card that works harder for you

Get more with My Cashback

Get more with My Cashback

Enjoy a range of cashback offers from brands you love and shop with.

T&Cs apply.

Learn more >

Luxury Escapes

Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers with your Citi Simplicity Card. Valid until 1 March 2025.

T&Cs apply.$

Learn more >

Complimentary Insurances

Access complimentary insurance for eligible products purchased with your Citi Simplicity credit card, including Extended Warranty Insurance and Purchase Protection Insurance.~

Eligibility, terms, conditions, limits, exclusions and applicable sub-limits apply.

Learn more >

Citi Instalment Plans

Break big purchases into smaller, more manageable monthly repayments at a fixed rate over a set term.

T&Cs apply.

Learn more >

Citi PayAll

Pay your rent, taxes, education fees and more with your Citi Credit Card. The Citi PayAll fee is currently 0.95% as outlined in the Financial Table and is set at the point of scheduling your Citi PayAll payment.

T&Cs apply.π

Learn more >

Citi Credit Card Benefits

Keep up to date with the latest offers and benefits available on your Citi credit card.

Learn more >

More ways to pay with your Citi credit card

More ways to pay

Enjoy the ease of cashless and contactless payments with your Citi credit card. Simply tap and pay with your card in hand, on your phone, or on your wearable.

Learn how to set up a mobile wallet >

Learn about Apple Pay >

Learn about Google Pay >

Learn about Samsung Pay >

Multiple cards

Browse our full range of cards to find the offer and benefits that are right for you.


Find out more

FAQs

Things you should know

Fees and charges apply. Credit criteria apply. New Citi Simplicity credit card customers only and cannot be used in conjunction with any other offers.

Refer to the full Terms and Conditions related to this product here. To obtain a copy of the Target Market Determination (TMD) related to this product, click here.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded credit cards. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.

Our/us/we means NAB unless the context otherwise requires it. 

“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

Fees and charges apply. Credit Criteria apply. New card customers only and cannot be used in conjunction with any other offers.

  1. Purchases and Balance Transfer offer
    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 0% p.a. interest rate will apply to balances transferred with this offer within 3 months from card approval, for a 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 Citi branded 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 commenced 22 February 2024. We  reserve the right to continue, withdraw or change the offer at any time without notice. This offer is not available when closing or transferring from another Citi branded credit card account or in conjunction with any other Citi branded credit card offer.

  • My Cashback offers
    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.

  • $Luxury Escapes
    10% discount is valid on 'Limited Time LUX Exclusive' hotel offers (excludes flights) at luxuryescapes.com/au or on the Luxury Escapes mobile app. Offer valid at Australian website only. Offer is valid exclusively to Citi branded credit cardholders and is not transferable. Maximum discount available per transaction is $250. Offer is valid if booked by 1 March 2025. To be eligible, customers must use their Citi branded credit card at checkout along with the promo code CITI10, and the discount will be applied automatically. Excludes transactions made through a third-party establishment or payment processor. Offer is not valid on flights, LUX Partner Properties, LUX Premium Collection, Last Minute Escapes, Tours, Cruises, Experiences or Gift Cards. Offer is not combinable with any other discount or offer.

  • <Interest free period
    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.

  • πCiti PayAll
    Citi PayAll 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). Set up Citi PayAll payment instructions using the Citi Mobile® App 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. The Citi PayAll fee is currently 0.95% and is part of your Terms and Conditions including your Financial Table. This fee is set at the point of scheduling your Citi PayAll payment, applies for the duration the Citi PayAll payments are scheduled and is charged to your account each time a Citi PayAll payment is made. Please note the promotional offer of the 0% PayAll fee ended on 31 October 2023. For more information please refer to Citi PayAll fees by visiting Citi Credit Card Fees and Charges. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at citibank.com.au/payall-limits. 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.

  • ~Additional Complimentary Insurances
    Complimentary insurance covers are subject to eligibility requirements: 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.

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