Citibank Simplicity Credit Card - No Late Fees. No Annual Fee. 0% BT for 12 Months

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Lakeno on 04/09/2014 - 16:05 citibank.com.au (935 clicks)
Last edited 05/09/2014 - 01:10 by 1 other user

My first post.

The Citi Simplicity card.

The Citi Simplicity card has no late fees or annual fee, ever and no interest for 12 months on balance transfers1 (cash advance rate after 12 months).

Receive access to:

Complimentary Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme2
Up to 55 days interest free on purchases3
Free wine every time you dine with the Citibank Dining Program
VISA Platinum Privileges4
Personal 24 Hour Concierge Services5.

Related Stores

Citibank Australia

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  caprimulgus on 04/09/2014 - 16:17

  unless you don't meet the income requirements, or you plan on making payments late (which would be silly in itself), there doesn't appear to be any reason to get this card instead of the fee-free-for-life platinum/signature card:
  https://www.ozbargain.com.au/node/153092

  • 

    f4te on 04/09/2014 - 16:23

    0% BT for 12 Months?

    • 

      caprimulgus on 04/09/2014 - 16:25

      yeah, i was editing my post when you replied! :)

      i was going to say, i guess if you want the extra 6 months of balance transfer (the platinum/signature deal gives 6 months), then this might be worth it. but the platinum/signature card is the better card otherwise (has travel insurance and rewards points).

      oh, and turns out income requirements for platinum and simplicity are the same anyway!

      • 

        SmiTTy on 04/09/2014 - 17:27

        Only thing is i dont think you can get the platinum card for free anymore
        Only the signature card for free .. which is 75k income

      • 

        caprimulgus on 04/09/2014 - 17:37

        @SmiTTy:

        looks like you're right…ok, go back to my original comment: "unless you don't meet the income requirements". :)

    • 

      SBOB on 04/09/2014 - 16:50

      if you are lucky you will get this with the platinum card anyway..

      I got the 6mths free when the card the promo first started, paid it off (transferred to ANZ platinum for another 12mths interest free) and last week Citi called and asked if I wanted another 6mth interest free 'cheque to self'..

      so if you want a short term interest free loan, its quite handy ;)

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  akeno on 04/09/2014 - 16:39

  +1

  If you have a balance on another card paying 20% interest, then getting this card will save you paying that interest for a whole year.

  • 

    2stroksmokr on 04/09/2014 - 17:10

    +4

    You don't say.

    • 

      akeno on 04/09/2014 - 17:23

      +1

      Haha. I'm just highlighting it.

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        sidesh0w on 04/09/2014 - 21:53

        remember that is a waste of time if you're not going to actually pay it off. figure out how much you need to save out of each pay to have enough in 12 months, and automatically hide it from yourself each pay.

      • 

        lolmao on 05/09/2014 - 13:31

        @sidesh0w: even if you're not going to pay it off you will save a lot on interest until the 12 months is over. of course you would be stupid to not pay it off tho

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  lostn on 05/09/2014 - 03:20

  No late fees? How late can you be? Can you like, never pay it back?

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    endlesstrail on 05/09/2014 - 09:00

    I think you won't get charged any fees if you don't pay up at the end of the billing cycle, but you'll still be burnt with the interest charged for unsettled transactions.