Citi Simplicity Credit Card
The Citi Simplicity Credit Card offers . Ongoing benefits include no annual fee.
Updated 8 May 2025
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The Citi Simplicity credit card is Citi's premium low fee product. This is also the only credit card Citi offers in the premium low fee category. Featuring no annual fee, which is Citi's lowest standard annual fee, including up to 44 interest free days. Of the 200+ credit cards reviewed by Stay or Go, this card is one of only a limited number that offer an ongoing $0 Annual Fee.
Considering its key features, this card is most suitable to someone who wishes to minimise the fees charged, particularly the annual fee. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.
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No rewards program
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$0 annual account fee
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No additional cardholder fee
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Up to 4 additional cardholders
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3.40% international transaction fee
Other fees may apply.
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22.49% p.a. variable purchase rate
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22.99% p.a. variable cash advance rate
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Up to 44 interest free days on purchases
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Guaranteed Pricing Scheme
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Purchase Cover Insurance
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Extended Warranty Insurance
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Transit Accident Insurance
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Citi website.