citi simplicity credit card

Citi Simplicity+ Card

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Special Promotions

Choose your Marshall: Emberton or Major IV

Apply for a Citi credit card and receive your chosen welcome gift when you get approved. Choose between a Marshall Emberton Bluetooth Speaker worth ₱8,790 or a Marshall Major IV Wireless Headphones worth ₱8,690. 

Promo runs from January 21 to 31, 2022. Per DTI Fair Trade No. FTEB-135346. Series of 2022. See full terms here.

Product Summary

citi simplicity credit card

Citi Simplicity+ Card

If you’re looking to make shopping simple and affordable, apply for a Citi Simplicity Card! Enjoy more freedom on every swipe thanks to Citi Simplicity Card’s zero fee feature: no annual fees, no overlimit fees, and no late payment fees. Make it simple by applying today.

  • No annual fees forever!
  • No extra fees for overlimit and late payments
  • Earn 10% interest back when you pay at least the minimum due
  • Enjoy deals and discounts locally and in 90 other countries
  • Ideal for: cardholders looking to pay less card fees
Existing Credit CardNot Required
Landline numberRequired
Age21 to 70 years old
Minimum Annual IncomeP180,000
Regular Employee
Minimum Annual Income180000
Minimum Annual Income250000
Minimum Annual Income180000
Minimum Annual Income250000
Annual Fee Free
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Monthly Effective Interest Rate2.04%
Minimum Amount Due P500 / %
Cash Advance Fee P200 / %

Is this the right product for you?

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Why Choose Citi Simplicity+ Card?

With so many credit cards offering a plethora of features, sometimes you just need one that can keep things simple and easy. But should you go for the Citi Simplicity+ Card? Find out in this short review. 

No annual fees for life

Annual fees can put a dent in your wallet, especially if you’re on a tight budget. But with the Citi Simplicity+ Card, there are no annual fees to worry about. This freedom from pesky annual fees doesn’t have an expiration date unlike most credit cards out there.  

No late payment and overlimit fees

During these financially challenging times, you may find it harder to make your credit card payments on time. Citi Simplicity+ charges no late payment and overlimit fees, two sets of charges most credit cardholders will surely encounter in these trying times.

10% back on interest charges

Citi Simplicity+ Card rewards responsible credit cardholders who pay their monthly credit card bills early or on time. How? By taking 10% back on interest charges when you pay your minimum amount due on or before your due date, which means additional savings for you.

Exclusive offers all year-round

For a credit card that prides itself on its simplicity, the Citi Simplicity+ Card definitely does not skimp on features, rewards, and convenience. Enjoy the features Citi credit cards are known for and enjoy year-long promotions in travel, beauty and wellness, shopping, and dining.

Is Citi Simplicity+ Card the Right Card for You? 

If you want a no-fuss credit card that also lets you enjoy great benefits and rewards, the Citi Simplicity+ is a great option. The card keeps things simple and easy for busy, on-the-go people. But if you’re looking for more, here are some alternatives: 

  • Citi Rewards Card. Want a Citi credit card with a bit more oomph? Then check out this card. Earn 3x non-expiring reward points for every shopping and dining expense.
  • UnionBank PlayEveryday. This card is also a good choice for first-time credit cardholders. By earning 1 reward point for every ₱10 spend, you’ll earn rewards easily in no time. 
  • AUB Easy Mastercard. Another great choice for first-timers. Aside from not having to pay annual fees for life, this card lets you choose when and how often you should pay your credit card dues.


The credit limit for Citi Simplicity usually starts at P20,000. But if you have a good credit standing, you can request for a higher credit limit.

The minimum payment is 1.5% of the new balance, rounded up to the nearest peso. The minimum payment due is never more than the new balance. Note that your payment due date is typically the same day monthly. You may request a change to your monthly due date.

While it doesn’t charge for annual fees, other fees still come with a Citi Simplicity Card. These include balance transfer fees, cash advance fee, foreign purchase fee, and return payment fee. Such fees, however, depend on the transactions you have made.

Unfortunately, no. However, you can still avail exclusive discounts from partner stores and establishments here and in 90 other countries.

You must pay at least the minimum due on or before the due date. This will encourage you to pay your credit card dues frequently and on time.

You need to wait 5 to 7 banking days (Citibank’s verification process) and another 4 to 5 banking days to receive your card. Citibank will deliver your credit card in your provided address.


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