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0% p.a on purchases and balance transfers plus No Annual Fee

citi Simplicity Credit Card

Balance transfer

0% for 6 months

Purchase rate

0% for 6 months

Annual fee

$0 per year

0% p.a. on purchases and balance transfers for 6 months. $0 Annual fee. Up to 44 days interest-free on retail purchases (unless you have a balance transfer)

Highlights

The No Annual Fee Card is a straightforward option for anyone looking to manage their spending without complex reward schemes or hidden costs. A low $2000 minimum limit, 0% p.a on purchases and balance transfers for 6 months and interest free period of up to 44 days helps to keep your spending (and fee paying) under control, while complimentary additional cards for up to 4 family members.

Main features

Rate type

Rate %

Duration

Fees

Fee type	Fee %	Min fee $
Cash advances	3.5%	$3.5

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	$0	per year
Monthly fee	-	-

More information

Citi Simplicity Credit Card features and benefits:

0% p.a. on purchases and balance transfers for 6 Months

$0 Annual fee

4 additional cardholders at no cost

Up to 44 days interest-free on retail purchases (unless you have a balance transfer)

Simply spend at stores with My Cashback offers and automatically receive cashback.

Explore the world with 5% off international flights from Australia with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.

Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.

Access complimentary insurance for eligible products purchased with your Citi Simplicity Credit Card, including Extended Warranty Insurance and Purchase Protection Insurance.

Terms & conditions

New Citi Simplicity Credit Card customers only and cannot be used in conjunction with any other offers.

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 22.49% 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 3 months 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 22.99% p.a. This offer excludes balances transferred from Citi branded unsecured credit products

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