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  • We found 1 Citi Simplicity+ Card
    1st Year Fee
    Joining Perks
    RM250 Petron Gift Card & Touch 'n Go Card BBAZAAR EXCLUSIVE DEAL
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    BBazaar Exclusive Deal

    Citi Simplicity+ Card

    BBazaar Exclusive Deals for Credit Card

    Enjoy a Free PETRON Gift Voucher of RM 400 & Touch 'N' Go Card of RM100

    **Click Here to Check Terms & Condition

    Get a Free PETRON Gift Voucher of RM 200 & Touch 'N' Go Card of RM50

    **Click Here to Check Terms & Condition

    Citi Simplicity+ Visa Credit Card offers cash rebate on the finance charges for all retail transactions. There is no late payment charge, over limit fee and annual fee for this card.

    The key highlights of this card are:

    • Get 10% cash rebate on finance charges for all retail transactions.
    • Enjoy 10% cash rebate on finance charges for cash advance.
    • Enjoy an annual fee waiver for life.

    Best Suited for:

    • Those who spend a lot on shopping.
    • Those who are prompt in making payments.

    Key Features and Benefits

    Feature/Benefit Description
    Cash rebate on prompt payments 10%.
    Interest-free period 20 days.
    Accessibility Citibank Online, CitiPhone banking, ATMs and over-the-counters across the world.

    Other Benefits

    • Get cash whenever required via ATMs across the world.
    • Transfer funds through Citibank Online.
    • Set standing instructions on bill payments using the auto-bill payment feature.
    • Analyse your expenses with the monthly e-Statements.
    • Earn rebates every month without any cap.

    How to Earn Cash Rebate

    • Pay the outstanding balance on your card before the due date.
    • Pay at least the minimum monthly payment if you cannot make the full payment.
    • Receive 10% cash rebate on the finance charges in the following month.

    Balance Transfer Plan

    Consolidate your outstanding debt on other cards and transfer it to this card. This facility allows you to transfer balance starting from a minimum of RM1,000.

    Tenure (months) Interest Rate (% p.a. flat) Effective Interest Rate (% p.a.)
    6 5.81 9.9
    9 5.56
    12 5.44
    18 5.35
    24 5.32
    30 5.32
    36 5.33

    FlexiPayment Plan

    Split your  purchase bill into affordable monthly instalments for a tenure of up to 36 months. This facility is applicable to a bill amount above RM500.

    Tenure (months) Interest Rate (% p.a. flat) Effective Interest Rate (% p.a.)
    6 10.57 17.9
    12 9.96
    18 9.84
    24 9.85
    30 9.91
    36 9.99


    Get cash for any emergency and repay it back within 48 months. Get access to cash within 3 days of application.

    Tenure (months) Interest Rate (% p.a. flat) Effective Interest Rate (% p.a.)
    6 10.57 17.9
    12 9.96
    18 9.84
    24 9.85
    30 9.91
    36 9.99
    48 10.19

    Eligibility Criteria

    Age Requirement for Principal Card 21 Years
    Age Requirement for Supplementary Card 18 Years
    Minimum Annual Income RM24,000

    Documents Required

    Applicant type Required documents
    Salaried employees
    • Copy of MyKad (front and back).
    • Latest EPF statement or last 2 months’ salary slips.
    • Latest BE form (along with tax payment slip), or
    • Latest EA form, or
    • Latest 3 months’ bank statement.
    Self-employed individuals
    • Copy of MyKad (front and back).
    • Copy of business registration certificate.
    • Latest 6 months’ bank statement, or
    • Latest B Form (along with the tax payment receipt.
    Salary-earning expatriates
    • Copy of Passport.
    • Letter of Employment.
    • Latest 2 months’ salary slips.
    • Work permit (valid for 6 months or more from the date of application).

    How to Apply

    You can apply for the Citi Simplicity+ Card online at easily by providing your personal and financial details.

    Fees and Charges

    Type of Fees Charges
    Annual Fee (Principal Card) Free
    Annual Fee (Supplementary Card) Free
    Finance Charge 15% to 18% p.a.
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee 5.3% of the cash withdrawn or RM21.20
    Minimum Monthly Repayment 5% of the total outstanding balance or a minimum of RM50.
    Late Payment Fee 1% of the outstanding balance or RM10. The fee is capped at RM100.
    Overseas Transaction Fee Foreign currency transactions are converted into Malaysian Ringgit as per the applicable exchange rates along with additional 1% charged by the bank.


    • Get 10% discount on normal-priced items at Crocs. This promotion is valid until 31 December 2018.
    • Get 10% discount at Cold Storage for a minimum purchase of RM300 in a single receipt during weekends. This offer is valid until 15 December 2018.
    • Get additional 20% off at selected Crabtree & Evelyn outlets every weekend. This offer is valid until 8 December 2018.


    Q. What is the maximum credit limit offered on this card?

    A. The maximum credit limit offered on this card is RM450,000.

    Q. Is it possible to increase or decrease the credit limit on request?

    A. Yes. You must submit a written letter or contact the bank via CitiPhone banking to increase or decrease your credit limit. In case of a request for increase, the bank will assess the credit limit on all your cards and take a decision.

    Q. Is there a limit on cash advance?

    A. Yes. The maximum sum you can withdraw is set by the bank. Contact the bank to know the cash advance limit applicable on your card.

    Q. Can I use my card to make online purchases?

    A. Yes. You can use this card to make online purchases.

    Q. Are there any conditions applicable to the annual fee waiver?

    A. No. There are no conditions such as minimum spend or number of swipes for the annual fee waiver.

    Citi Simplicity+ Credit Card is suitable for those who are prompt with their payments. This card rewards you with cash rebate for managing your finances well. Use the card irrespective of any category to earn cash rebates on finance charges.

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