• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    2.99% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Earn 10% interest back (rebate on finance charge) on purchases and cash advances every month
  • No annual fee
  • No late payment fee
Groceries
7.9/10
Petrol
7.9/10
Shopping
7.9/10
Travel
7.9/10
Dining
7.9/10

Promotion

Complimentary Fitness Tracker Smart Band

  • Just spend RM1,500 or more on your new credit card to qualify!
  • Promotion ends 30 June 2017

Groceries

  • 10% rebate on finance charges on purchases

Petrol

  • 10% rebate on finance charges on purchases

Shopping

  • 10% rebate on finance charges on purchases

Travel

  • 10% rebate on finance charges on purchases

Dining

  • 10% rebate on finance charges on purchases

Other Features

  • Lifestyle

    • Discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts, and more

  • Balance Transfer

    • 2.99% per annum for a tenure of 9 months

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Free for life)
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder NA
Finance charges 15% p.a. – prompt payments of less than or equal to 50% of monthly outstanding balance for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a. – if the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

No late payment charge

Cash advance amount

Subject to bank's approval

Cash advance charge

5.3% of cash amount (min. RM 21.20)

Cash advance interest charge

18% per annum daily interest

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

The Right Choice

Citi Simplicity+ Credit card offers you 10% interest back (rebate on finance charge) on your purchases and cash advance from previous billing statement. Besides that, you will also enjoy discounts and privileges at over 1,000 local and 24,000 global hotels, restaurants, boutiques, retail outlets, golf resorts and many more. You can also pay your bills, transfer funds and make cash deposits via MEPS Interbank GIRO. You will also be provided with Round-the-clock service with a 24-hour Citibank Banking Center, 24-hour CitiPhone Banking, Citibank Online and Express Payment Machines. You will no problems with this card because it has global recognition and global acceptance in more than 120 countries and more than 20 million establishments worldwide.

Fees and Charges

Citi Simplicity+ Credit Card does not charge any annual fees for both principal card and supplementary card. Moreover, to enjoy a low finance charge of 15% per annum, you will need to do prompt payments for 12 consecutive months. You may also enjoy a finance charge of 17% per annum if you do prompt payments for at least 10 out of 12 months. If you do not meet any of the requirements then you will be charged with the finance charges of 18% per annum. If you are planning to conduct a balance transfer from your current existing credit card, you may do so with Citi Simplicity+ Credit Card as it offers 2.99% per annum for tenure of 9 months.

Are You Eligible For The Citi Simplicity+ Credit Card?

To enjoy spending on the Citi Simplicity+ Credit Card, you will need to be at least 21 years old with a minimum monthly income of RM2,000 to be able to apply for the principal card and for the supplementary card you will need to be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citi Clear Credit Card and AmBank Imagine Visa Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Citi credit cards and start comparing today!