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Citi - Simplicity Credit Card

The Simplicity credit card has a $0 late payment fee and an annual fee of $0. An additional 4 cardholders can be added for $0 and there are up to 55 days interest-free on any purchases.

There is a 0% p.a. purchase and balance transfer interest rate for 6 months, with a 0% balance transfer fee.

Compare Credit CardsProduct Image For Citi - Simplicity Credit Card
6 months of 0% p.a. interest on balance transfers and purchases.
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Annual Fee

$0 per year

Balance Transfer

0% for 6 months reverts to 22.24% p.a.
0% BT fee applies.

Purchase Rate

0% for 6 months reverts to 21.49% p.a.

Interest Free Period

up to 55 days
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Details

Card Type
Mastercard
Minimum Repayment
2% or $30
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$2,000
Maximum Credit Limit
$100,000

Fees

Annual Fee
$0
per year
Late Payment Fee
$0
per statement
Cash Advance Fee
3.50% or $3.50
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 4
additional holders

Rates

Purchase Rate
0% for 6 months
reverts to 21.49% p.a.
Cash Advance Rate
22.24% p.a.

Balance Transfer

Balance Transfer
0% for 6 months
reverts to 22.24% p.a.
0% BT fee applies.
Balance Transfer Limit
80%
of credit limit
Balance Transfer Fee
0%
per transaction

Overseas Spending

Foreign Currency Conversion Fee
3.40%
per transaction
Overseas Cash Advance Fee
3.40%
per transaction

Eligibility

Minimum Age
18
years old
Temporary Residents
No

Perks

Complimentary Travel Insurance
No
Airport Lounge Access
No

Who is the product designed for?

The target market for the Product is individuals who:

  • are seeking a line of credit facility for everyday spending that has no annual fee and to make use of complimentary insurances
  • meet eligibility criteria and serviceability requirements for the Product
  • are unlikely to hold substantial balances for prolonged periods except to take advantage of reduced interest rates and/or instalment repayments on a Fixed Payment Option or a Balance Transfer (including holding a Balance Transfer for longer than the period during which a reduced interest rate applies).
Visit Citi to view Target Market Determination Effective From: 2023-09-30.

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