Citi Simplicity®
By Citi
A great credit card doesn't get simpler than this.
Last product change: 14 Jul 2025
Last checked: 14 Aug 2025
Lending Rates
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 22.99% | - | |
Cash advance rate | |||
Purchase | 22.49% | - | |
Retail purchase rate | |||
Fees
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual Fee | Periodic | $0.00 | P1Y | null |
| Additional Cardholder Fee | Periodic | $0.00 | P1Y | null |
| Late Payment Fee | Event | $0.00 | null | |
| Domestic Cash Advance Fee | Withdrawal | This fee applies only if you withdraw cash from your credit card at domestic ATMs. Debited on the transaction date. Minimum charge $3.50 | ||
| International Cash Advance Fee | Withdrawal | $5.00 | This fee applies only if you withdraw cash from your credit card overseas. Charged per transaction amount for a Cash Advance outside of Australia, debited to your Account on the Transaction Date. Please note this is in addition to any International Transaction Fee that may be payable. | |
| International Transaction Fee | Transaction | We charge you an International Transaction Fee of 3.4%, debited to your Account on the Transaction Date. | ||
| Over-the-Counter Transaction Fee | Transaction | $2.50 | Charged per payment made at Australia Post outlets by cash or EFTPOS. | |
| Dishonour Fees | Event | $15.00 | Charged each time a payment to the account is dishonoured, debited at time of dishonour. | |
| Overlimit Fee | Event | $40.00 | Only for accounts opened prior to 1 July 2012. Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. |
0 of
9 row(s) selected.
Page 1 of
1
Features
| Additional Cards | 4 additional cards |
| Balance Transfer | Yes |
| Interest Free Period | 44 days |