• You deserve the credit, not the fees. With Citi Simplicity+ get 10% interest back.

Citi Simplicity+ The card that keeps it simple.

When you're on time, you deserve the credit. Citi Simplicity+ gives 10% interest back every month for on-time payments. Plus, there is no late payment charge, no over limit fee and no annual fee for Citi Simplicity+ Credit Card.

Top 3 reasons to get a Citi Simplicity+ Card
10% interest
No late payment
No over limit

10% interest back
  • Get 10% interest back on purchases and cash advances every month when you pay at least the minimum monthly due amount on-time.
  • Rebate earned will automatically be credited in your upcoming statement.
  • No capping on rebates so your savings can really add up.

Note that interest back refers to rebate on finance charge

No late payment charge
Nobody likes late payment charge. Which is why we don't charge them. It's that simple.

No over limit fee
If you happen to go over your credit limit, we understand. Which is why we don't charge you a fee.

No annual fee
No annual fee every single year. How simple.

Citi World Privileges

Enjoy the best exclusive privileges at your favorite beauty and wellness, shopping and travel merchants all year long.

Click here to learn more.

Balance Transfer Rate Check out the latest offer on credit card balance transfer
Finance Charges for Purchases 15% p.a. (daily interest) - Cardmembers who promptly settle their min. payment due for 12 consecutive months.
17% p.a. (daily interest) - Cardmembers who promptly settle their min. payment due for 10 months or more in a 12-month cycle.
18% p.a. (daily interest) - Cardmembers who do not fall within the categories above.
Cash Advance 5% of credit card cash advance amount or minumum RM20, whichever higher, and 18% per annum daily interest.
Interest Free Period 20 days from the statement date and applicable only for cardmembers who pay in full on or before the payment due date. If cardmember opts to make partial or minimum payment, finance charges for retail transactions will be calculated from the day transactions are posted to the card account.
Maximum Credit Limit RM450,000
Annual Fee Principal: No annual fee
Supplementary: No supplementary fee
Government Service Tax Effective 1 September 2018, a government service tax of RM25 will be imposed on each principal and supplementary card
manage your account
Accessibility • Citibank Online
• CitiPhone banking
• Over the counter
• Worldwide acceptance
Payment Methods • Citibank Online
• Automatic direct debit (One Bill)
• Funds transfer
• CitiPhone banking
citibank online
• Card account information
• e-Statement
• Online bill payment
• Mobile bill payment
• Mobile prepaid reload
• Funds transfer
• Citi Alerts
• Rewards redemption

how to apply

The application process should take less than 10 minutes to complete if you have all your personal details ready at hand.

Criteria for application
Minimum Income Requirement RM24,000 per annum
Minimum Age 21 years old
Minimum Age for Supplementary Cardmembers 18 years old
Required documents for New-To-Bank applicants
Type of Applicant Documents Required*
Salaried Employee Photocopy of MyKad (both sides)
Latest EPF statement
Latest 2 months salary slip1

AND any of the following where necessary

• 3 months' bank statements
• Latest EA Form
• Latest BE Form with tax receipt
Self- Employed Photocopy of MyKad (both sides)
Photocopy of Business Registration Form


Latest Form B with tax receipt
6 months' bank statements
Salaried Expatriate Copy of Passport
Latest 2 months' salary slip1
Work permit valid for at least one (1) year at the time of application
Letter of employment
*You may be asked to submit any number of the documents in the table
1Number of months of salary slip required will depend on the job nature of applicants

For Citi Credit Cards Terms and Conditions, click here.