Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.

    Citi Simplicity Plus Credit Card

    With Citi Simplicity+ card, you get 10% interest back on purchases each month. Interest back is a rebate on the finance charge. When you apply for the card, you get a Fitness Tracker Smart Band. The card doesn’t charge annual fees, late payment charge, and over limit fee.

    Features of Citi Simplicity+ Card

    The features of Citi Simplicity+ Card are as follows:

    • The maximum credit limit available is RM450,000.
    • You can access your account through CitiPhone banking, Citibank online, over-the-counter, and ATMs.
    • The payments can be done through fund transfer, CitiPhone banking, automatic direct debit, and Citibank online.
    • You can use the Citibank online to get card account information, online bill payment, rewards redemption, funds transfer, e-statement, mobile prepaid reload, mobile bill payment, and Citi Alerts.
    • The rebate you earn will be credited in your upcoming statement.
    • You get to enjoy privileges at beauty and wellness, travel, and shopping merchant outlets all year long.

    Benefits of Citi Simplicity+ Card

    The benefits of Citi Simplicity+ Card are as follows:

    • This card does not charge any annual fees for principal or supplementary card.
    • You get 20 days interest-free period from the statement date. The interest-free period is applicable if you have made the payment in full on or before the due date.
    • The application process takes less than 10 minutes to complete if all your personal details are ready.
    • You will not be charged any late payment fee or over limit fee.
    • You get 10% interest back on cash advances and purchases every month when you pay the minimum amount due.
    • There is no cap on the rebates and it will help you save more.
    • You can complete the application online and also upload your documents.

    Eligibility Criteria

    If you wish to apply for Citi Simplicity+ Card, you need to be:

    • A salaried employee.
    • A self-employed individual.
    • A salaried expatriate.
    • Salary and age requirement:
    Minimum age 21 years
    Minimum age required for supplementary cardholders 18 years
    Minimum income required RM24,000 p.a.

    Fees and Charges

    The applicable fees and charged for Citi Simplicity+ Card are listed below:

    Annual principal card membership Nil
    Annual supplementary card membership Nil
    Finance charges for purchases 15% p.a. daily interest if you settle the minimum payment due for 12 consecutive months. 17% p.a. daily interest if you settle the minimum payment due for 10 consecutive months. 18% p.a. if you don’t fall within the above categories.
    Finance charge for cash advance 5.35% of the cash amount minimum of RM21.20. 18% p.a. daily interest.
    Balance transfer 6.99% p.a. daily interest on the amount transferred.
    Balance transfer installment Up to 9.9% p.a.
    Flexi payment plan Up to 17.9% p.a.
    Dial-For-Cash Up to 17.9% p.a.
    Cash advance fee Up to 2.12% p.a.
    Easy payment plan 0%
    Balance conversion Up to 17.9% p.a.
    Minimum monthly repayment 5% of the outstanding balance + 100% of the over limit amount, if any + 100% of the past due amount, if any.
    Credit shield select RM0.60 for every RM100.
    Late payment charge 1% of the outstanding balance or a minimum of RM10, whichever is higher. The maximum charge can be up to RM100.
    Conversion for overseas transactions Relevant MasterCard or Visa charges plus 1% administration cost.
    Fee for Dynamic Currency Conversion Service 0.848% on the amount converted.
    Sales draft retrieval RM21.20 per copy.
    1 hour replacement card RM50 per card.
    CitiPhone Credit Card Statement RM5.30.
    Monthly statement retrieval RM5.30 per statement.
    Charge for the photocopy of monthly statement RM5.30 per statement.
    CitiPhone Statement RM3.18 for request through SSPB RM5.30 for request through the officer.
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