10% discount for card charges
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."
