Citi Simplicity credit card

Citi Simplicity

Get rewarded when you pay your bills on time with 10% interest back and if you are late on payments, cut the drama with no late fees.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 2.99% p.a. balance transfer over 9 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Life Made Simple. Enjoy 10% Interest on Rebate Every Month.

Get a Compimentary Robot Vacuum with Your New Citi Simplicity+ Card

Apply online now for Citi Simplicity

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Pay the minimum amount on your credit card bill on time to get rewarded. With no capping on the rebate you get to earn 10% interest back on minimum monthly payment paid every month. So be punctual and cash in on this deal!
Balance Transfer
Consolidate any of your outstanding credit card debt with a great balance transfer that offers you interest rates as low as 2.99% p.a. Pay off your debts and in no time with smaller installments and a repayment tenure of up to 9 months.
Pay OverWith Interest Rate AtWhen You Transfer
9 months2.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer Plan
Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1000 
9 months5.56% p.a. and no one-time upfront handling feefrom RM1000 
12 months5.44% p.a. and no one-time upfront handling feefrom RM1000 
18 months5.35% p.a. and no one-time upfront handling feefrom RM1000 
24 months5.32% p.a. and no one-time upfront handling feefrom RM1000 
30 months5.32% p.a. and no one-time upfront handling feefrom RM1000 
36 months5.33% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Citibank Balance Transfer via Instalment Plan
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
36 months0% one-time upfront handling feefrom RM500 
Learn more about Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feefrom RM500 
12 months9.96% p.a. and no one-time upfront handling feefrom RM500 
18 months9.84% p.a. and no one-time upfront handling feefrom RM500 
24 months9.85% p.a. and no one-time upfront handling feefrom RM500 
30 months9.91% p.a. and no one-time upfront handling feefrom RM500 
36 months9.99% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Citibank Flexi Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM0 or 0% of outstanding amount, up to a maximum of RM0
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Citibank Easy Pay Plan
Citibank Flexi Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Citibank Dial For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Citibank Balance Transfer Plan
Citibank Balance Transfer via Instalment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Citi Simplicity review

What's so good (or not so good) about it?

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

What’s great about it?

For starters, this card comes with no annual fees, so you get to save on having to fork out money to pay a card subscription. Instead, you could use your extra money to pay off your credit card bills.

This card rewards you when you pay your credit card bills. Whether it’s the full amount or the monthly minimum, pay it on time within the 20-day period to get 10% interest back on your payments.

Anymore perks?

Well of course, much like other credit cards this one comes with a nifty Easy Payment Plan option for you more indulgent shoppers. Instead of adding to your credit debt, use the installment plan to break up the payment for your larger purchases.

This way you get a relaxed payment tenure of your choice with interest rates as low as 0% p.a. Shop smart at participating merchants to save more with this deal.

Balance Transfer

When there’s an easy payment plan available with your credit card, it most likely has a balance transfer plan that you could use. Should you have any outstanding balances when you switch over to the Citi Simplicity, you can now consolidate them with the Citibank Balance Transfer plan.

Instead of paying super high interest rates on you balances, enjoy only an interest rate of only 2.99% on a 9-month repayment tenure.

The no charges continue…

Not only do escape late payment charges but you also can say goodbye to the over limit charges. We get it sometimes we spend a little bit more than we should and credit card bills can go painfully out of hand.

Therefore, along with the annual fee that helps you save more and the waived late payment fee. Citibank waives your over limit fee, when you overspend. Sometimes, we all just need a hand, and Citibank understands that, at the end of the day we’re all just human.

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