Citi Simplicity+ Card

Apply for Citi Simplicity+ Card by Citibank

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!

Citi Simplicity+ Card
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*Citi Credit Card Online Cash Back Promotion Terms And Conditions Apply

Product Highlights

No
No Late Payment Charge and No Over Limit Fee

Nobody likes late payment charge or over limit fees. Which is why Citibank doesn't charge them. It's that simple.

World
Citibank World Privileges

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.

Interest
10% Interest Back

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.

Features

Cash Back

Cash back
Cash Back Category Cash Back Rate Monthly Cap
Interest Rate Charges 10% Uncapped
  • In order to receive cashback, you must pay at least the minimum monthly due amount on-time
  • Cashback applies to interest rate charge payable
  • Interest rate charges for purchases and cash advance are eligible for cashback

 

Balance Transfer

Balance transfer
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

Flexi Payment Plan

Flexi payment
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

Fees and Charges

Annual Fee For Primary Card Free
Annual Fee For Supplementary Card Free
Mininum 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Cash Withdrawal Fee RM 20 or 5% of the withdrawn amount, whichever is higher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.

Interest Rate

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

Requirements

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