Citi World Privileges
Discover great deals and discounts with your Citi credit card
Convert your retail transactions into monthly installments
Convert your outstanding balance into monthly installments
Citi Quick Cash
Instant cash to get things done right away
|Minimum monthly income||RM 2,000|
|Annual fee||RM 0||waived for life|
|Late payment fee||RM 10/1%||1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)|
|Interest rate||15%||Rate if settling minimum payment due for 12 consecutive months.|
|Balance transfer rate (fixed)||5.32%||24 months Balance Transfer via Instalment|
waived for life
|Annual fee waiver||
|Late payment fee||
1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
Rate if settling minimum payment due for 12 consecutive months.
|Balance transfer rate (fixed)||
24 months Balance Transfer via Instalment
You will need to provide several documents such as (varies between different banks):
For Salaried Expatriates:
Terms and Conditions
If you’re someone who finds a credit card a hassle, it’s actually not that complicated once own a credit card like the Citi Simplicity+ Mastercard. Just like the credit card name itself, the idea of the Citi Simplicity+ Credit Card is to simplify credit cardholders with their purchases as well as to reward those who pay their credit card bills on time. There are also no extra fees involved such as annual fee or late charges. It can’t get any simpler than this!
When you pay the minimum monthly amount that is required for your purchases and cash advances within the due date, you get to enjoy a 10% rebate that will automatically be credited in your upcoming statement for petrol, shopping, groceries, dining, and travel. This encourages you to make your payments on time to enjoy the savings and receive rewards in return.
Worry not - if you hesitate to purchase a credit card due to the various fees and charges involved, the Citi Simplicity Card guarantees there will be no charges for late payments. There is no annual fee as well, unlike other most credit cards where there is an annual fee charged to cardholders. You won’t be charged even if you go over the credit limit!
The Citi Simplicity Card also provides special offers and discounts at more than 24,000 international and 1,000 local restaurants, hotels, retail outlets, boutiques, golf resorts and many more.
The great thing about applying for Balance Transfer with the Installment Plan is that you can extend your repayment capacity to 36 months instead of the usual 12 months. The Balance Transfer Plan requires a minimum balance transfer of RM1,000 and you will be charged the EIR of 8.99% annually for 12 months. With the Installment Plan, you can pay a monthly instalment of RM32.23 with no fees charged, including upfront, processing and early settlement fees.
You can also purchase retail items with your Citi Simplicity Card and convert the transaction into the FlexiPayment Plan. All you have to do is make a purchase within a minimum of RM500 in one receipt or the accumulation of retail purchases to make a monthly repayment instalment within 6 to 36 months. There will be a flat interest rate of 10.02% annually to 10.63% annually.
Can't find what you're looking for? Read our article to find out the Best Citibank Credit Cards in Malaysia.
You can apply for Citi Simplicity+ Card online on our website directly. If you have any questions related to the credit card application, you can contact us at +6012-385 0211 and our customer heroes will be happy to provide further assistance.
To be eligible, you need to be at least 21 years old to apply for Citi Simplicity+ Principal Card. The minimum income required is RM2,000.
However, if you are at least 18 years old, you can opt for the supplementary card.
No, you get to enjoy lifetime annual fee waiver.
Though there are no late payment fees, credit limit or annual charges, there is a cash withdrawal fee of 5% or RM20 of the total withdrawn amount with an interest rate of 18%. There is also Sales and Service Tax (SST) charged for both principal and supplementary cardholders which is RM25, charged during anniversary dates and upon the first-time activation.
Since the required minimum earning income is as low as RM2,000, fresh graduates with a decent stable income would be able to make use of Citi Simplicity Credit Card. It is also suitable for those that never miss a payment deadline since you earn when you make your payments on time, provided you make the minimum monthly payment.