Citi Simplicity Mastercard®

Get 10% interest back on finance charges when you make minimum monthly payment on time and in full. No annual fee, late payment fee and over limit fee.

Citi Simplicity Mastercard®10% discount for card charges
Min. Income
Annual Fee
up to 10%
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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

Cashback categoryCashback rateMonthly capSpend
Interest Back10%uncappedany amount monthly


Top 4 features: Citi World Privileges, Citi PayLite, Citi FlexiBill and Citi Quick Cash. Plus, there is no NO ANNUAL FEE for life!

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plans that offers you low interest rates. Pay off your debts in no time with smaller installments and a 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 installment 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
48 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM0 primary card
  • 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RM20 or 5% of withdrawn amount, whichever is higher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
Daily Maximum Cash Withdrawal
Up to RM10,000
Contact-less Payment Methods
MasterCard PayPass


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


Easy Payment Plan
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest installments now and stretch your payments over 3 to 48 months.
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.


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

10% Interest Back with Citi Simplicity Mastercard

Always forget to pay your credit card bills on time? 

With 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% p.a. to 18% p.a., depending on how soon you pay off your outstanding balance in a year; whereas interest rate on cash advance is 18% p.a. 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 EIR of 8.99% p.a. 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 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 fees - zero upfront fee, zero processing fee and zero early settlement fee.

0% Easy Pay Plan

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

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

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

No More Annual Fee!

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

Why complicate your expenses when you can simplify it with 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."