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Citi Simplicity Card (0%p.a. for 15 months on
BT + 5% Cashback up to $1,000 in the first 90 days from account approval. Cashback capped at $50.)

Citi Simplicity Card (0%p.a. for 15 months on
BT + 5% Cashback up to $1,000 in the first 90 days from account approval. Cashback capped at $50.)

Purchase Rate
19.99 %

Cash Advance Rate 19.99% p.a.
Interest Free Up to 55 days
Annual Fee$0
Balance Transfer Rate 0% p.a.for first 15 months

  • 0%p.a. for 15 months on balance transfers. (Reverts to the cash advance rate)
  • No annual fee. No late fee. No additional card holder fee.
  • Enjoy up to $50 cash back: 5% cash back on all retail purchases (up to $1,000 spend) in the first 90 days from account approval.
  • Offer ends 30 April 2018.
  • Up to 55 days interest free on purchases
  • Complimentary Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme
  • Free wine every time you dine with the Citi Dining Program
  • VISA Platinum Privileges
  • Personal 24 Hour Concierge Services

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Annual Fee $0 Minimum Repayment Greater of 2% or $30
Annual Fee First Year $0 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $0
Supplementary Card Fee $0    
Duplicate Statement Fee $7 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $5
Over Limit Fee $0 Overseas Emergency Card Replacement Fee

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Cards are offered, issued and administered by Citigroup Pty Limited. Terms, conditions and credit criteria apply. Other fees and charges may apply. New cards customers only. 1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application and the balance transfer fee, for a period of 15 months. The 15 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. This offer is valid until 30 April 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 2. 5% cash back can be earned on all eligible purchases, made in Australia and internationally, of up to $1,000 spend in the first 90 days from account approval. Maximum cash back that can be awarded is $50. To qualify for the cash back, the eligible purchases can be made by both the primary and additional card holders. Eligible purchase means any Retail Purchase which is made by the use of a Card or any other means permitted by Citibank, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to Citibank loan accounts (mortgage etc), purchases in excess of limits on the Account, transactions made in operating a business and if the Account is more than $10,000 in credit only, and all other transactions. Charges backs, refunds or fraudulent transactions are not eligible to receive cash back. Cash back will be credited to the approved accounts within 8 weeks after the qualifying purchases have been made. This offer is valid until 30 April 2018. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. 3. Conditions apply. Visit 4. The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or when you have Balance Transfers. 5. Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No. 245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at 6. Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to for up-to-date offer details. © 2018 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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