Broadband Coverage Check
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Min. Monthly Income
RM2,000.00
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Interest Rate
15% p.a.
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Balance Transfer
5.33% p.a.
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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
- 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 via Installment
Flexible Monthly Installments with flat Interest Rate between 5.32% to 5.81% p.a
Instalment Plan
- 0% Instalment Payment Plan at all participating merchants
Card Information
| Annual Fee | Free (Free for life) |
| Min. Monthly Income | RM2,000.00 |
| 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 |
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18% p.a. – if the above are not met |
| Sales and Services Tax (SST) | RM25 will be imposed for principal and supplementary credit cards on the card approval date and on the anniversary of your card approval date for every year |
| 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 
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 with their Balance Transfer via Installment plan and convert them insto installment, offers @ 8.99% per annum for tenure of 12 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!