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Citi Simplicity Card

O% p.a. for 6 months on purchases and balance transfers.1

Balance transfer reverts to cash advance rate.


Apply now  Or call us on 1300 032 824

Call to Apply

Dollar
No late fees, no annual fee.
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Discount on selected hotel offers with Luxury Escapes until 1 March 2023$
Dine
Cashback on Deliveroo available until 30 June 2022#
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

Benefits of the Citi Simplicity credit card

Earn ponitsNo annual fee - You'll never have to pay any late fees or annual fee with the Citi Simplicity credit card
Luxury EscapesLuxury Escapes – Enjoy 10% off (up to $250) Limited Time Lux Exclusive hotel offers until 1 March 2023$
Earn ponitsCashback on Deliveroo - Enjoy $10 cashback on one Deliveroo order of $25 or more every month until 30 June 2022#

Citi Simplicity credit card 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 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, 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
$6,000

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.

 Luxury Escapes Discount

Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers, within Australia and overseas, when you pay with your Citi Credit Card using promo code: CITI10. Available until 1 March 2023.$


 Enjoy cashback on Deliveroo orders

Get $10 cashback each month when you spend $25 or more, in one transaction, with Deliveroo.# Available from 1 April 2021 to 30 June 2022. The next time you're feeling peckish, choose from a wide range of delicious options, place your order and enjoy this cashback offer.


Complimentary Purchase Cover Insurance and Extended Warranty

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

Terms, conditions, exclusions and limits apply. Learn more about Complimentary Insurances.


Unlock priceless experiences through Mastercard® PricelessTM Cities

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


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.^ Learn more about Citi Instalment Plans.


More ways to pay

Turn your smartphone into a mobile wallet thanks to Apple Pay> and Samsung Pay. Leave your wallet at home and pay the easy way with your smartphone. Experience a faster, more convenient way to pay. Learn how to set up a mobile wallet.


 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. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022, you will not be charged a Citi PayAll fee.π

Credit card security features

24/7 worldwide customer service and fraud protection
With ongoing monitoring, global fraud protection and alerts, you can rest assured knowing that any potentially fraudulent charges on your card will be detected and flagged with you. Visit our  Online Security webpage for more information and to ensure you have provided us with your current mobile phone number to benefit from this service.

Complimentary Transit Accident Insurance~
Purchase your overseas travel tickets with your Citi Simplicity credit card you and your family may be covered for up to $500,000 for injuries sustained while overseas as a direct result of an accident whilst on a trip and occurring within 12 months of the accident.
Complimentary Purchase Cover Insurance~
Receive 90 days complimentary insurance up to specified amounts against loss, theft or accidental damage on covered products purchased anywhere in the world using your Citi Simplicity credit card if you make a claim within 21 days.
Complimentary Extended Warranty Insurance~
Receive Extended Warranty Insurance for eligible purchases up to a maximum of 12 months from the manufacturer's warranty (for the same period as the original written warranty), for the cost of repairing or replacing the purchase made on your Citi Simplicity credit card in the event that the product breaks.
Complimentary Guaranteed Pricing Scheme~
Purchase a product using your Citi Simplicity credit card, and get the best price if, within 60 days of the purchase, it’s available for a lower price from a store within a 25 kilometre radius from where the covered product was purchased. If the price difference is greater than AU$75, we will refund the price difference up to $500. (Internet purchases are excluded).

Easy and secure way of making contactless payments

Accessing your account

Manage your finances when and where you want with:

  • The Citi Mobile® App
  • Citi Online
  • Customer Service Centre


Welcome to the world of Mastercard®. Experience the convenience of a card that is accepted at over 47 million merchants in more than 210 countries and territories.


Contactless payments
With Mastercard PayPass, make payments under $100 quickly and securely by tapping your credit card – there's no need for a signature or PIN.

Apple Pay
Enjoy all the benefits of your Citi Simplicity Card using Apple Pay.> It’s the easy and secure way to pay. Learn more about Apple Pay.

Samsung Pay
Use your Citi Simplicity Card with Samsung Pay to make purchases on the go.
Learn more about Samsung Pay.

Receiving your statements
You will receive your statements monthly, either online via e-statements or by mail.
 

Here's what you'll need to apply for the Citi Simplicity credit card

Around 10 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

Not quite sure what you are looking for? Explore our other credit cards


Travel and Reward Credit Cards

 

Balance Transfer Credit Cards

 

Low Rate Credit Cards

 

FAQs

Still have a question?

Things you should know

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 cards customers only and cannot be used in conjunction with any other offers.

  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 0% p.a. interest rate will apply to balances transferred with this offer within 90 days 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 is valid until 29 June 2022. Post this advertised date; we  reserve the right to continue, withdraw or change the offer at any time without notice.

  • $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 until 1 March 2023. 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.

  • #Place an order of $25 or more at Deliveroo, either at deliveroo.com.au or in-app via the Deliveroo app, and pay with your Citi branded credit card to enjoy $10 cashback. Offer valid at Australian website only. Offer is limited to $10 cashback once a month from 1 April 2021 - 30 June 2022 and only spend on the primary cardholder's Citi branded credit card will count toward the offer. Excludes any payment made directly to a restaurant. Excludes transactions made through a third-party establishment or payment processor. Cashback will be credited to your Account within 60 days from the qualifying spend provided your Account is open and in good standing. Cashback will not be credited to your Account if the qualifying spend is refunded. Cashback will reduce the outstanding balance of your Account but will not count towards your next monthly repayment obligation. Please note that if you have a Balance Transfer you will be charged interest on any spend that you make.

  • ~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 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, 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. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

  • <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.

  • ^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.

  • >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 support.apple.com/en-au/km207105. 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.

  • πCiti 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 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. For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022 (the Period), the Citi PayAll fee will be reduced to 0%. Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur. Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur. 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.

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