Citi
Citi

Citi Simplicity Card (0% p.a. on purchases and balance transfers for 6 months, plus no annual fee and no late fees in case life gets in the way of payments.)

Purchase Rate
21.49% p.a.
Cash Advance Rate
22.24% p.a.
Interest Free
Up to 55 days
Annual Fee
$0.00
Balance Transfer Rate
0% p.a. for first 6 months
Intro Purchase Rate
0% p.a. for up to 6 months
  • 0% p.a. on purchases and balance transfers for 6 months,no annual fee and no late fees in case life gets in the way of payments.
  • Offer valid until 29 June 2022.
  • No annual fee. No late fee. No additional card holder fee.
  • Up to 55 days interest free on purchases
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  • Personal 24 Hour Concierge Services

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$0.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $0.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $0.00

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
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 and cannot be used in conjunction with any other offer. Actual credit limit will be assigned based on our credit criteria, subject to confirmation that you earn a minimum of $35,000 per year and your credit rating. 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 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; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Citi 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. © 2022 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).

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