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Citibank Citi Simplicity

Citibank Citi Simplicity

5.0 from 1 review · View Statistics
See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
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No Annual Card Fee and No Late Payment Fee
0% p.a. Purchases and Balance Transfers for 6 months with No Balance Transfer Fee
Add up to 4 Additional Cardholders at no additional cost


3.4% International Transaction Fee
Balance Transfer Rate reverts to the high Cash Advance Rate of 22.24% p.a. after the offer period ends


CategoryNo Annual Fee Credit Cards and Balance Transfer Credit Cards
Card TypeVisa
BenefitsIntroductory Interest Rate
Minimum Credit Limit $6,000.00
Maximum Credit Limit $100,000.00
Additional Cardholders 4
Additional Cardholder Fee $0.00 p.a.
Contactless PaymentsApple Pay and Samsung Pay
Rates & Fees
Purchase Rate21.49% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Cash Advance Rate22.24% p.a.
Introductory Offers
Introductory Rate 0% p.a. for the first 6 months
Balance Transfer Rates
Balance Transfer Period 6 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 0%
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1 review
  • Transparency
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
CharlieGreater Melbourne (Metropolitan), VIC

A VISA Credit Card with No Annual Fee Plus Lots of Rewards


Citi Simplicity Credit Card is a good credit card which has NO annual fee but still has lots of rewards to offer. It is a VISA credit card, so this means that I will be able to access a range of Visa offers -- Visa Platinum Privileges. The DINING PROGRAM is another feature that I like -- a free bottle of wine from lots of participating restaurants. Citi Simplicity Card also includes complimentary Purchase Cover Insurance, Extended Warranty Insurance and more which gives me a peace of mind.

  • Transparency
  • Customer Service
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