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.
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.