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Welcome to a world of Simplicity.

Citi Simplicity Card Benefits

No Annual Fee, No Late Fee - Ever

You'll never have to pay an annual fee on your Citi Simplicity Card and if you miss a payment due date, you won't be charged a late fee. Just a little something for your peace of mind.

Luxury Escapes

Get 10% off (up to $250) on 'Limited Time LUX Exclusive' hotel offers with your Citi Simplicity Card using Promo Code: CITI10. 

Valid until 1 March 2025.

Limited Time LUX Exclusive

Complimentary Insurance

Receive complimentary insurances including Purchase Protection Insurance and Extended Warranty Insurance.2

Learn more

Find out more about your card benefits

Learn more

Citi PayAll

Your payments made easier

A whole new way to pay using your new Citi Simplicity Card.3

With Citi PayAll, you can set up your rent, taxes, education fees, property management fees,
childcare, miscellaneous bills and manage all your payments in one place.

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.4

Download the Citi Mobile® App to get started.

 

Taxes

Taxes

Rent

Rent

Bills

Bills

Education fees

Education fees

Property Management fees

Property Management fees

Childcare

Childcare

 


Citi Instalment Plans

Break big expenses into smaller, fixed monthly repayments.

Like buy now pay later, but for anything, 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.5

Screenshot of Mobile app screen with Image of Citi Premier Credit card

Citi Mobile® App

For a simple and fast way of managing your account at your fingertips, download the Citi Mobile® App today.

  Activate your new card and set up your PIN

  Instantly lock and unlock your card to prevent misuse

  View your recent transactions and statements

Download the Citi Mobile App on the App Store Download the Citi Mobile App on the Google Play Store

What happens next?

Activate your card

Once you receive your card, sign the back and then activate it.
The easiest way to activate your card is using the Citi Mobile® App or your Citi Online account.

Download the Citi Mobile App on the App Store Download the Citi Mobile App on the Google Play Store

View more instructions on activating your card.

 

Mobile Wallets

Add your Citi Card to your Mobile Wallet using Apple Pay, Google Pay or Samsung Pay to experience a faster more convenient way to pay.

Apple PayGoogle paySamsung pay

 

Recurring Payments

Set up recurring payments by contacting your regular merchants and adding your Citi Card details to ensure payments are made on time.

 

Additional Cardholders

Request for an additional cardholder (up to four) on your account who must be 16 years or older at no extra fee.

 

For more information about Managing your Account such as Citi Online, setting up Citi Alerts,
changing your PIN etc. visit citibank.com.au/help-and-support.

Terms and Conditions

Changes to your Credit Card Terms and Conditions and Other Important Information – effective 15 May 2024

Credit Card Terms and Conditions and Other Important Information

Citi Credit Cards Complimentary Insurance Policy Information Booklet – effective 1 November 2023

Citigroup Pty Limited Credit Assistance Provider Credit Guide

1. 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 2025. To be eligible, customers must use their Citi 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.

2. 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.

3. 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 (citibank.com.au). 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.

4. 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 (citibank.com.au).

5. Citi Instalment Plans are defined in the Credit Card Terms and Conditions 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 (for example – your account is not in default, suspended or closed). 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.

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