Citi Simplicity Mastercard®

Get 10% interest back on finance charges when you make a minimum monthly payment on time and in full. Activate your new card via Citi Mobile® App with a temporary CVV and start spending. Issued by UOB under license from Mastercard, using certain trademarks temporarily under license from Citigroup Inc.

Citi Simplicity Mastercard®10% discount for card charges
Min. Income
RM2,000/month
Annual Fee
Free
Cashback
up to 10%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

10% rebates on finance charges when you pay the minimum monthly due amount on time every month. This cashback is applicable on retail purchases and cash advances with no cashback limit!

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Interest Back10%uncappedany amount monthly

Premium

With the Temporary CVV feature, you can now activate your new Citi credit card instantly via Citi Mobile® App, and start spending while waiting for your physical card to be delivered to you. Terms and conditions apply. Read more on our Review below. Plus, enjoy Citi's top four features: Citi World Privileges, Citi PayLite, Citi FlexiBill and Citi Quick Cash. Additionally, there is no ANNUAL FEE for life!

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plan that offers you low-interest rates. Pay off your debts in no time with smaller instalments and flexible repayment tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer via Instalment Plan

Easy Payment Plans

Don't completely deprive yourself of indulgent shopping, use an instalment plan instead. Check out the Citibank Easy Payment Plan that offers 0% interest on all your repayment tenures, available at participating merchants.

Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest instalments now and stretch your payments for up to 24 months. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.
Cash Advance / Cash Loan
Citi Quick Cash
Get convenient cash that's bundled with instalment options! Now you can manage your finances better, and enjoy convenient cash access any time.
Balance Transfer Plans
Citibank Balance Transfer via Instalment Plan
Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy-to-manage monthly repayments for up to 36 months. This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.

Review

The world of credit just got a lot simpler with the new Citi Simplicity.

What is Citi Temporary CVV?

Due to COVID-19 lockdown restrictions, your new Citi credit card delivery might take some time to arrive. But fret not, you can still start your expenditure without your physical card by activating your temporary CVV via Citi Mobile® App.

Temporary CVV is a 3-digit security code that you can use to activate your new Citi credit card while waiting for the physical card to be delivered.

To get this unique code, your Citi credit card must first get approved by the bank. Then, you may download the Citi Mobile® App and retrieve your unique temporary CVV code to activate your card. Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV on the card.

Check out the terms and conditions here.

Steps to activate the Temporary CVV

1. Register or log in to Citi Mobile® App. Click "Activate to view card details".

2. You will be led to the "Manage Card" screen.

3. Enter the OTP that was sent to your registered phone number.

4. After authentication, your card number and expiry date will be displayed. Click on "View" to reveal the temporary CVV.

5. Your temporary CVV will then be displayed.

My Citi credit card is here. What should I do next?

Once you’ve received your Citi physical card, the temporary CVV will then be replaced by the CVV found at the back of your card, and you still need to activate it. This new CVV will then be used for all your transactions and recurring payments moving forward. Here’s how you can activate your new Citi credit card:

Via Citi Mobile® App:

  • Register and log in to Citi Mobile® App
  • Tap on the icon in the top left corner
  • Tap on ‘Create Card PIN’
  • Enter your new 6-digit PIN
  • Enter the OTP for verification
  • Voila! Your PIN has been successfully created

Via Citibank Online:

  • Register and log in to Citibank Online
  • Click on ‘Services’, ‘My Profile', and select ‘Create Card PIN’
  • Enter the OTP for verification
  • Select your card
  • Enter your new 6-digit PIN
  • Done! Your PIN has been successfully created

Via Citibank Card Activation & PIN Creation Hotline:

  • Call +60323830011
  • Select the language option and enter the NRIC number
  • Select your card and enter the OTP for verification
  • Enter your card expiry date, then create your new 6-digit PIN

10% Interest Back with Citi Simplicity Mastercard

Always forget to pay your credit card bills on time? 

With the Citi Simplicity Mastercard credit card, you will not miss your statement due date as this cashback credit card lets you enjoy savings on finance charges by giving you 10% interest back!

Note that finance charges for all purchases range between 15% per annum to 18% per annum, depending on how soon you pay off your outstanding balance in a year; whereas the interest rate on the cash advance is 18% per annum calculated daily. 

All you have to do is pay at least the minimum monthly payment amount on your purchases and cash advances on time every month. 

You will earn your 10% rebates for the billing period in your upcoming statement. 

The best part about this feature is that there is no capping amount on your interest back so your savings can really add up!

Balance Transfer Plan

Citi Simplicity also intends to simplify your finances with balance transfer plans that offer low-interest charges and flexible repayments. 

First off, you have a Balance Transfer Plan that charges an Effective Interest Rate (EIR) of 8.99% per annum for 12 months, with a minimum balance transfer of RM1,000.

If you want to stretch your repayment capacity up to 36 months, you can apply for a Balance Transfer via Installment Plan and pay as low as RM32.23 per month with a minimum balance transfer of RM1,000.

Interestingly, when you apply for Balance Transfer via Installment Plan online, you will enjoy zero upfront fees, zero processing fees and zero early settlement fees.

0% Easy Pay Plan

Be it a birthday treat or self-reward, you can afford the luxury items on your wish list with a swipe of your Citi Simplicity credit card. 

It's so simple that you are only required to make a minimum purchase of RM500, in a single receipt or accumulated retail transactions, then convert it into an easy payment plan!

You can choose to repay your instalment for up to 48 months, with a flat interest rate of 0% per annum.

No More Annual Fee!

Strip your anxiety away from the need to pay for a multitude of fees as the Citi Simplicity Mastercard credit card guarantees zero annual fees for both principal and supplementary credit cards, a zero late payment fee and zero over-limit fees! 

Why complicate your expenses when you can simplify them with a Citi Simplicity credit card?

"Shall there be any discrepancy on the latest card information such as credit card T&C, credit card benefits, fees & charges, information on Citibank website shall be deemed as latest and final."

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