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Citi Australia

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How much should I have in savings?

How much should I have in savings?

Savings per month by generation in Australia.

Learn more
Save with 0% p.a. for 6 months on balance transfers2
No late fees. No annual fee. Never ever
Free wine when you dine with the Citibank Dining Program4

About the Citi Simplicity Credit Card

Life will be a little simpler with no annual fee and no late fees, ever. Plus, for a limited time enjoy 10% cash back on eligible purchases (capped at $50 per month) for first 4 months from card approval1. You can also save with 0% p.a. for 6 months on balance transfers with no BT fee – reverts to cash advance rate2.

Rates and Fees

Balance transfer rate

0% p.a. for 6 months with no BT fee. Reverts to cash advance rate2.

Annual fee

No annual fee, ever

Additional cardholder fee

No annual fee, ever. You may have up to four (4) additional cardholders, who must be 16 years or older.

Retail purchase rate

19.99% p.a.

Cash advance rate

19.99% p.a.

Interest free period

Up to 55 days interest-free3

Maximum credit limit

$100,000#

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be viewed at the Citi fees and charges page.

Rewards and benefits

Enjoy a cash back offer

Earn 10% cash back on eligible purchases (capped at $50 per month) for first 4 months from card approval1.

Free wine when you dine

With the Citibank Dining Program, enjoy a free bottle of wine from award-winning wineries every time you dine at hundreds of participating restaurants and pay with your Citi card4. Learn more

Peace of mind

Citi Simplicity includes complimentary Purchase Cover Insurance, Extended Warranty Insurance and more8. Select the 'Security' tab for details, or find out more here.

Visa Platinum Privileges5

With Visa Front Line Access, purchase some of the hottest tickets in town before they’re released to the general public. Plus, experience more at home and overseas with exclusive offers including travel, entertainment and leisure.

Personal concierge service6

From hiring a private yacht in Fiji to tickets for a show in Sydney, all it takes is a phone call to your 24/7 concierge.

Simply call 1300 369 1451300 369 145.

Citi World Privileges

Access amazing offers at home or across the globe. From dining to shopping, sports to spas there is something for you.

Visit www.citiworldprivileges.com/au/ for the latest offer details7.

Security

Emergency card replacement

24/7 customer service if your card is lost or stolen.

Fraud protection

Fraudshield® detects irregular transactions on your account, and Citi's 2 Way SMS Alerts 24/7 service allows us to immediately alert you via text message of any credit card transactions deemed to be suspicious, and enables you to confirm instantly whether a transaction is genuine or fraudulent.

Visit Online Security at Citi for more information and to ensure you have provided us with your current mobile phone number to benefit from this service.

Complimentary Transit Accident Insurance8

Purchase your overseas travel tickets with your Simplicity card and you and your family may receive up to $500,000 if you were to sustain a fatal injury as a passenger whilst travelling.

Complimentary Purchase Cover Insurance8

If items are lost, stolen or damaged anywhere in the world within 90 days of purchase on your Simplicity card, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days.

Complimentary Extended Warranty Insurance8

Generally, the manufacturer's warranty period is doubled, up to 12 months, when you purchase items with your Simplicity card.

Complimentary Guaranteed Pricing Scheme8

Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in-store and then see the same product advertised at a lower price in a catalogue from a store within 25kms of the store from where the covered products were purchased, you can claim the difference within 60 days if the price difference is greater than $75, up to $500 and the product hasn't been purchased online.

Read more about our insurance products.

You may choose to take out optional credit insurance. Learn more about credit insurance here.

Using your card

Accessing your account

Manage your finances when and where you want with:

  • Citibank Online
  • The Citi Mobile® Banking App
  • CitiPhone Banking

Visa credit cards have worldwide acceptance at 40 million locations.

Contactless payments

With Visa payWave, make payments under $100 quickly and securely by tapping your credit card – there's no need for a signature or pin.

Samsung Pay

Use your Simplicity card with Samsung Pay to make purchases on the go. Learn more about Samsung Pay

Citi PaySM

Turn your AndroidTM smartphone into a mobile wallet and experience a faster, more convenient way to pay. Find out more about Citi Pay.

Receiving your statements

You will receive your statements monthly, either online via e-statements or by mail.

Here's what you'll need to

Apply now

Around 15 minutes to complete the application

Earn more than $35,000 a year

Be 18 years or older and an Australian resident

Not quite what you are looking for?

FAQs

What information do I need to apply?

Having the following information ready will make it quicker for you to complete your application.

  • Details about your employment (e.g. employment status, employer's contact details, time with employer in years and months)
  • If you are self-employed, your accountant's name, name of their accounting firm, and contact phone number
  • Gross income and monthly expenses
  • For balance transfers, name on account, type of card/account, card/account number, amount being transferred and the issuing organisation's name and address

For further information, visit our How to Apply page

What does the Citi Mobile® Banking App offer?

With Citi's Mobile® App, you’re in control of your finances even on the move. Our One-Time PIN mobile banking security feature means you'll always have peace of mind when banking online.

Features include:

  • Instantly activate your credit card
  • Check your balance and a real-time display of your credit card transactions
  • Receive account alerts as push notifications
  • iPhone users can sign in using their fingerprint with Touch ID Sensor
  • Find and book Citibank Dining Program partner restaurants
View all FAQs

Important information

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.

  1. The 10% cashback will be earned on all eligible purchases, made in Australia and internationally, up to $500 spend each month for the first 4 months from account approval (promotional period). Maximum cash back that can be awarded is $50 per month up to a total of $200 over the 4 month promotional period. 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 Citi, 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 Citi 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, all other transactions. Charge backs, refunds, fraudulent transactions or any other unauthorised transactions are not eligible to be counted towards the cash back. The cash back can only be credited to the approved primary cardholder's account within 8 weeks after each eligible purchase has been made. Offer ends 31 August 2017. Offer may be extended.
  2. 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 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 period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Offer ends 31 August 2017. Offer may be extended.
  3. 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.
  4. Conditions apply. Visit citibank.com.au/dine
  5. Exclusive Platinum Visa Entertainment Offers supplied by Visa. Visit http://www.visaplatinum.com.au for details.
  6. Exclusive Visa Platinum 24/7 concierge service supplied by Visa. Visit http://www.visaplatinum.com.au for details.
  7. 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 www.citiworldprivileges.com/au/ for up-to-date offer details.
  8. 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 www.citibank.com.au/complimentaryinsurance

For any claims lodged prior to 1st May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at www.citibank.com.au/complimentaryinsurance

© 2017 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.

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