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
Cash Advance Rate
Balance Transfer Fee
There is a balance transfer fee of 1.50%.
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
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.
Balance Transfer Offers
0% for 15 months with a revert rate of 19.99% p.a.
Introductory Purchase Rate Offers
Other Special Offers
5% cash back on all retail purchases (up to $2000 spend) in the first 90 days from account approval.
Max Interest Free Days
Price guarantee scheme, Rental vehicle excess insurance, Extended warranty & more
Currency Conversion Fee
OS ATM Charges
Est ATM Cost
$14.90 for AU$300 withdrawal
Minimum Credit Limit
Maximum Credit Limit
Security & Protection
Fraudshield®. Emergency card replacement.
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.
Download Key Facts Sheet* ⇣Go to Site ⇢
* Key fact sheet is downloaded from Citibank website. (PDF, 28KB)Apply Online ⇢ Compare Credit Card