Citi Simplicity+ Card

Citi Simplicity+ Card


  • 10% Interest back
  • Annual fee : Waived for life
  • No late payment charge & No over limit fee
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

9.99% p.a for 12 months

Annual Fee
Annual Fee

RM 0.00

Credit Card's Promotion

  • 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.
Balance Transfer
  • Flexible monthly instalment tenure of 6, 9, 12, 18, 24, 30 or 36 months
  • Flat Interest Rate between 5.32% - 5.81% p.a. which is equivalent to Effective Interest Rate (EIR) of 9.9% p.a.

Citibank Balance Transfer via instalment

Tenure (Month) 6 9 12 18 24 30 36
Minimum Balance Transfer Amount (RM) 1,000 1,000 1,000 1,000 1,000 1,000 1,000
Flat interest rate equivalent by tenure 5.81% 5.56% 5.44% 5.35% 5.32% 5.32% 5.33%
Monthly Repayment (RM) 171.52 115.75 87.87 60.02 46.10 37.77 32.23



  • Flexible monthly repayments with a minimum 5% monthly repayment of total outstanding balances.
  • Effective interest rate of 8.99% p.a. for 12 months (equivalent to monthly interest rate of 0.749%).

Citibank Balance Transfer

Outstanding Balance (RM)

Normal Finance Charge at

18% p.a. for 12 months (RM)*

Balance Transfer at

8.99% p.a. for 12 months


    You PAY You SAVE
4,000 594 286 308
8,000 1188 572 616

Important Notes :

* Accumulated amount of interest charges incurred in a total of 12 months based on 18%p.a. with a 5% monthly payment on due date.

** Accumulated amount of interest charges incurred in a total of 12 months based on 8.99% p.a. for 12 months.

Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1



for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months and new cardmembers
Annual fee RM 0.00
Annual fee for suplementary card RM 0.00
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 0%
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minimum RM20, whichever higher
Cash withdrawal interest rate 18% per annum daily interest
Balance transfer interest rate 9.99% p.a for 12 months
Balance transfer max valid duration Up to 36 months
Balance transfer early settlement penalty Full settlement has to be made
Goods & Services Tax (GST) 6% GST will be imposed on fees and charges where applicable

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