HomeCredit CardsCitibank › Citi Simplicity

Rates and fees information correct as of March 1st 2017.

Benefits & Features of the Citibank Citi Simplicity

Make life a little simpler. The card that gives you freedom from late fees and has no annual fee; Citi Simplicity. Choose the offer tailored to your lifestyle.

Take advantage of:

No late fees or annual fee, ever
Up to 55 days interest free on purchases
Complimentary Purchase Cover Insurance, Extended Warranty Insurance and more
Enjoy a free bottle of award winning wine every time you dine at hundreds of participating restaurants with the Citibank Dining Program.

Rewards / Privileges

Citibank Dining Program - Free wine every time you dine with the Citibank Dining Program
Personal 24 Hour Concierge Services
Citi World Privileges - Get up to 25% off special offers through Citi World Privileges
VISA Platinum Privileges - Experience the best entertainment & offers that are harder for everyday cardholders to obtain.

Applying for a Citibank Credit Card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready, and you will receive a response in 60 seconds after submitting the form.

Rates and Fees:
Purchase Interest Rate
19.99% p.a.
Cash Advance Rate
19.99% p.a.
Annual Fee
$0
Balance Transfer Fee
There is a balance transfer fee of 1.50%.
Minimum Repayments
You must pay the Minimum Payment Due by the Payment Due Date each month. The Minimum Payment Due is (rounded up to the nearest dollar): i) the Card Balance if it is less than $30; or ii) the greater of: a) $30; or b) 2.00% of Card Balance; or c) the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month
Late Payment Fee
$0
Special Offers:

Balance Transfer Offers
0% for 15 months with a revert rate of 19.99% p.a.
Introductory Purchase Rate Offers
No offers
Other Special Offers
5% cash back on all retail purchases (up to $2000 spend) in the first 90 days from account approval.

Rewards:
Rewards Available
Perks:
Max Interest Free Days
55
Travel Insurance
VIP Treatment
Price guarantee scheme, Rental vehicle excess insurance, Extended warranty & more
Overseas Spending:
Currency Conversion Fee
3.3%
OS ATM Charges
$5
Est ATM Cost
$14.90 for AU$300 withdrawal
Credit Limits:
Minimum Credit Limit
$6,000
Maximum Credit Limit
$100,000
Security:
Security & Protection
Fraudshield®. Emergency card replacement.
Quick Comparison:

The Citibank Citi Simplicity has the 47th highest interest rate of 19.99% (14 others have the same) and the 56th lowest cash advance rate at 19.99% (8 others have the same) compared to 171 other credit cards. No other cards have a lower annual fee than $0 (26 have the same) and 17 have a lower or the same late payment fee of $0.

From Citibank site:

No late fees. No annual fee. Never Ever. Rethink banking.
Download Key Facts Sheet* ⇣Go to Site ⇢

* Key fact sheet is downloaded from Citibank website. (PDF, 28KB)

Apply Online ⇢ Compare Credit Card
About Citibank:

Citibank is the consumer division of financial services multinational Citigroup. Citibank was founded in 1812 as the City Bank of New York, later First National City Bank of New York. The United States is the largest single market with approximately 26% of branches, generating 51% of revenues. Citibank's 983 North American branches are concentrated in major metropolitan areas including New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. Latin America markets make up 25% of revenues, Asia 20%, and Europe / Middle East / Africa 4%.

In addition to standard banking transactions, Citibank markets insurance, credit cards, and investment products. Their online services division is among the most successful in the field, claiming about 15 million users.

More about Citibank from Wikipedia

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