Simplicity

Pros:
  • No Annual Fee
Cons:

    Basic

    Card Level
    Card Level
    Standard
    Interest Free Days
    Interest Free Days
    55
    Maximum credit limit
    Maximum credit limit
    $100,000
    Minimum credit limit
    Minimum credit limit
    $6,000
    Minimum repayment dollars
    Minimum repayment dollars
    $30
    Minimum repayment percent
    Minimum repayment percent
    Number free supplementary
    Number free supplementary
    4
    Annual Fee
    Annual Fee
    Late Payment Fee
    Late Payment Fee
    $0
    Over limit fee
    Over limit fee
    $40
    Duplicate statement fee
    Duplicate statement fee
    $7
    Supplementary card annual fee
    Supplementary card annual fee
    $0
    Card Level
    Card Level
    Standard
    Interest Free Days
    Interest Free Days
    55
    Maximum credit limit
    Maximum credit limit
    $100,000
    Minimum credit limit
    Minimum credit limit
    $6,000
    Minimum repayment dollars
    Minimum repayment dollars
    $30
    Minimum repayment percent
    Minimum repayment percent
    Number free supplementary
    Number free supplementary
    4
    Annual Fee
    Annual Fee
    Late Payment Fee
    Late Payment Fee
    $0
    Over limit fee
    Over limit fee
    $40
    Duplicate statement fee
    Duplicate statement fee
    $7
    Supplementary card annual fee
    Supplementary card annual fee
    $0

    Rates

    Purchase Rate
    Purchase Rate
    19.99%
    Cash advance rate
    Cash advance rate
    19.99%
    Purchase Rate
    Purchase Rate
    19.99%
    Cash advance rate
    Cash advance rate
    19.99%

    Balance Transfer

    Balance Transfer Rate
    Balance Transfer Rate
    0%for 15 months then 19.99%
    Transfer Limit
    Transfer Limit
    80%of the chosen credit limit
    Balance Transfer Fee
    Balance Transfer Fee
    $75
    Balance Transfer Rate
    Balance Transfer Rate
    0%for 15 months then 19.99%
    Transfer Limit
    Transfer Limit
    80%of the chosen credit limit
    Balance Transfer Fee
    Balance Transfer Fee
    $75

    Overseas spending

    Foreign Exchange Fee
    Foreign Exchange Fee
    3.4% on Visa
    Overseas charges
    Overseas charges
    $5
    Estimated ATM Cost
    Estimated ATM Cost
    $15.2for AU $300 withdrawal
    Foreign Exchange Fee
    Foreign Exchange Fee
    3.4% on Visa
    Overseas charges
    Overseas charges
    $5
    Estimated ATM Cost
    Estimated ATM Cost
    $15.2for AU $300 withdrawal

    Rewards

    Program name
    Program name
    Rewards Available
    Rewards Available
    Points Per $1 Spend
    Points Per $1 Spend
    Program name
    Program name
    Rewards Available
    Rewards Available
    Points Per $1 Spend
    Points Per $1 Spend

    Eligibility

    Minimum age
    Minimum age
    18
    Minimum income
    Minimum income
    $35,000
    Eligibility conditions
    Eligibility conditions
    Minimum age
    Minimum age
    18
    Minimum income
    Minimum income
    $35,000
    Eligibility conditions
    Eligibility conditions

    Perks

    • Concierge
    • Extended Warranty
    • Partner Discounts
    • Price GuaranteeIf you purchase personal goods in Australia and then find the same product advertised later at a cheaper price within 60 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is less than $500.
    • Purchase ProtectionCovers up to $10,000 per item and $200,000 per year
    • Free Supplementary Cards
    Other Benefits
    Receive 5% Cash Back on all retail purchases (up to $1000 spend) in the first 90 days. Receive a complimentary bottle of wine every time you dine at a partner restaurant and pay with your Citi card.
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