Citi Simplicity+ Credit Card

    Citi Simplicity Plus Credit Card is a credit card by Citibank with no annual fee. If the payments are done on-time, the card gives an amazing 10% interest back. Additional to that, the card doesn’t charge any late payment or over limit fee.


    • The Citi Simplicity Plus Credit Card comes with a supplementary card and both primary as well as supplementary cards have a lifetime annual fee waiver.
    • The card comes with no late payment charges.
    • The cardholders don’t have to pay any charge for exceeding their credit limit.
    • The cardholders can transfer balances onto their Citi Simplicity Plus Credit Card from other bank credit cards with the Balance Transfer feature at a rate of as low as 2.99% for up to 36 months.
    • With the Easy Payment Plan associated with this card, the cardholders can split the payment for their purchases into 0% monthly instalments for variable tenures of up to 36 months.
    • The Citibank Dial for Cash lets you withdraw a minimum of RM1,000 cash in cases of emergencies and pay back in easy instalments for up to a tenure of 48 months.


    • If the cardholders pay the minimum monthly amount due on card on time, they are eligible to earn a 10% interest back on cash advance as well as on retail purchases.
    • The rebates earned have no cap and are reflected into the upcoming statement.
    • The cardholders can enjoy multiple offers on dining, shopping, online purchases, lifestyle, and travelling at over 1,000 outlets with this card.
    • The cardholders can also enjoy a 20 days interest-free period from the date of statement release.
    • The card is recognised and accepted worldwide.

    Eligibility criteria

    • Minimum age required of the applicants for principal card: 21 years
    • Minimum age required of the applicants for supplementary card: 18 years
    • Minimum income requirement for the applicants: RM24,000 p.a.

    Fees and Charges

    Type of Fees Charges
    Annual fees – Principal card No Annual Fee
    Minimum monthly repayment At least an amount of RM50 or 5% of the total amount due, whichever is higher.
    Finance charge on retail purchases The finance charge on retail purchases has a range of 15-18% p.a. and it depends upon the pattern the repayment has been made in last 12 months.
    Finance charge on cash advance 18% p.a.
    Max Credit Limit RM450,000
    Late payment charges No charge.
    Cash advance fee RM21.20 or 5.30% of the cash withdrawn will be charged for every cash withdrawal.                
    Overseas transaction conversion fee The overseas transactions for which the card has been charged will be first converted into Malaysian Ringgit at a rate determined by Visa International at the same day of transaction and this will be added to 1% fee imposed by Citibank named foreign exchange conversion markup.
    Card replacement fee RM50 per card.
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