When you're on time, you deserve the credit. Citi Simplicity+ Card gives 10% interest back every month for on-time payments. Plus, there is no late payment charge, no over limit fee and no annual fee!
Nobody likes late payment charge or over limit fees. Which is why Citibank doesn't charge them. It's that simple.
Enjoy discounts and privileges at over 24,000 hotels, restaurants, boutiques, retail outlets, golf resorts, and more. Best of all, these privileges are available to you all over the world.
Get 10% interest back on purchases and cash advances every month when you pay at least the minimum monthly due amount on-time! No capping on rebates so your savings can really add up.
| Cash Back Category | Cash Back Rate | Monthly Cap |
|---|---|---|
| Interest Rate Charges | 10% | Uncapped |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 12 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 10.57% p.a. with no one-time upfront handling fee | From RM 500 |
| 12 Months | 9.96% p.a. with no one-time upfront handling fee | From RM 500 |
| 18 Months | 9.84% p.a. with no one-time upfront handling fee | From RM 500 |
| 24 Months | 9.85% p.a. with no one-time upfront handling fee | From RM 500 |
| 30 Months | 9.91% p.a. with no one-time upfront handling fee | From RM 500 |
| 36 Months | 9.99% p.a. with no one-time upfront handling fee | From RM 500 |
| Annual Fee For Primary Card | Free |
|---|---|
| Annual Fee For Supplementary Card | Free |
| Minimum Monthly Payment | RM 50 or 5% of the outstanding amount, whichever is higher |
| Late Payment Fee | None |
| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 18% p.a. |
| 15% Per Annum | Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months |
|---|---|
| 17% Per Annum | Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle |
| 18% Per Annum | Tier 3: Cardmembers who do not fall within the above categories |
| Minimum Annual Income | RM 24,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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