Citi Simplicity credit card

Citi Simplicity

Get 10% interest back on finance charges when you make minimum monthly payment on time and in full. Cut the drama with no late, over limit and annual fees!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 8.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Fly for Free & Win a Volkswagen Polo Car!

Fly for Free & Win a Volkswagen Polo Car!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get 2 Free Return Domestic Flight Tickets with Your New Citi Card!

Get RM200 ShopBack Cashback with Any New Citi Credit Card!

Get RM200 ShopBack Cashback with Any New Citi Credit Card!

Apply online now for Citi Simplicity

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Pay the minimum amount on cash advances and other purchases on time and in full every month to earn 10% rebates on finance charges, with no capping! So be punctual and cash in on this deal!
Discover how much you can save when you shop with your new Citi Simplicity
Cashback CategoryCashback RateMonthly CapSpend
Interest BackSpendany amount monthly10%uncappedany amount monthly
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
12 months8.99% 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
Premium
Nobody likes fees; cut the drama with zero annual fee, late payment fee and over limit fee!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
Annual Fee for Supplementary Card
RM0
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

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
Citi Quick 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. 

10% Interest Back

Always forget to pay your credit card bills on time? With Citi Simplicity credit card, you will not going to 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 Promotion

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.

Should 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, and flat interest rates between 1.03% p.a. to 1.16% p.a. (equivalent to EIR of 1.99%) when you transfer a minimum of RM10,000. 

Just apply for a Citibank credit card here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.

Flexi Payment 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 FlexiPayment Plan!

You can choose to repay your installment from 6 to 36 months, with flat interest rate between 10.02% p.a. to 10.63% p.a..

No More Fees!

Strip your anxiety away from the needs to pay for a multitude of fees as Citi Simplicity 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.

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