Citi Simplicity+ Credit Card

Citi Simplicity+ Credit Card

When you're on time, you deserve the credit. Citi Simplicity+ gives 10% interest back every month for on-time payments. Plus, there is no late payment charge, over limit fee or annual fee either.

Interest Rate

From 15.0% p.a.

Balance Transfer

2.99% p.a.



Annual Fee


No Late Payment Charge or Over Limit Fee

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

Citibank World Privileges

Get discounts and special privileges at over 24,000 hotels, restaurants, retail outlets, golf clubs, and more. On top of that, you get free travel insurance and a 24-hour personal concierge service too!


Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap
Interest Rate Charges 10% Unlimited
  • 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
  • Cashback will be automatically credited in the following month's statement

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
9 months 2.99% p.a. with no one time upfront handling fee RM 1,000

Fees and Charges

Annual fee Free
Annual Fee for Supplementary Card Free
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee No late payment fee.
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments of less than or equal to 50% of outstanding balance for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under 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

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