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Citi Simplicity+ Card

Citi Simplicity+ Card

Zero Annual Fee & No Late Payment Charge.

This product is sold by UOB, using certain trademarks temporarily under license from Citigroup Inc.

RM 2,000

Minimum monthly income

RM 0

Annual fee


Interest rate p.a


Balance transfer rate (fixed)

Special Offers

Stand a chance to win a Dyson eVoucher worth RM1,000 or TnG eWallet Credit worth RM1,000 when you apply, activate, and spend with Citi Credit Card today!

Click Here for Terms and Conditions

Product details


Citi World Privileges

Discover great deals and discounts with your Citi credit card

    Citi Paylite

    Convert your retail transactions into monthly installments

    Citi FlexiBill

    Convert your outstanding balance into monthly installments

    Citi Quick Cash

    Instant cash to get things done right away

      Good for No Annual Payments
      Up to 10% Interest on Finance Charges & Cash Advances when you pay at least the minimum monthly due amount on time
      ZERO Late Payment charge
      ZERO Overlimit fee
      ZERO Annual Fee
      Minimum monthly income RM 2,000
      Minimum age:
      Cardholder 21
      Supplementary Cardholder 18
      Fees & Charges
      Annual fee RM 0
      waived for life
      Annual fee waiver No
      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
      Document required to apply

      You will need to provide several documents such as (varies between different banks):

      For Malaysians:

      Salaried Employees:

      • Photocopy of MyKad (both sides)
      • Latest EPF statement OR Latest 2 months salary slip
      • AND any of the following where necessary:
      • 3 months bank statements
      • Latest EA Form
      • Latest BE Form with tax receipt


      • Photocopy of MyKad (both sides)
      • Photocopy of Business Registration Form
      • Latest Form B with tax receipt

      For Salaried Expatriates:

      • Copy of Passport
      • Latest 2 months' salary slip
      • Work permit valid for at least one (1) year at the time of application
      • Letter of employment

      Terms and Conditions

      For Citi Simplicity+ Card Terms and Conditions, click here.
      For Citi Credit Cards Terms and Conditions, click here.
      For Citi Credit Cards Fees and Charges, click here.

      Product review by

      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!

      Receive 10% interest with Citi Simplicity+ Mastercard

      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.

      Citi Simplicity+ Card saves your worries with zero fees

      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!

      Exclusive privileges and easy installment plans

      Lifestyle offers and discounts

      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.

      Balance transfer

      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.

      Flexible installment plan

      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.

      • 10% rebate on petrol, groceries, shopping, dining and travel
      • Exclusive offers and promotions at more than 24,000 international and 1,000 local restaurants, hotels, retail outlets, boutiques, golf resorts and many more. 
      • Close to zero fees and charges applied 
      • Flexible monthly instalment plans for repayments and retail purchases

      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. 

      Citi Simplicity+ Card
      Citi Simplicity+ Card
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