Minimum Annual Income
Apply for a Citi credit card and spend at least ₱10,000 (single or accumulated spend) within 60 days of approval to get your free gift. Promo is extended until March 31, 2023. Want to learn more about your reward's delivery time and more? Check out our FAQs. For full terms and conditions, click here.
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.
|Existing Credit Card||Not Required|
|Landline number||Not Required|
|Age||21 to 70 years old|
|Minimum Annual Income||P180,000|
|Valid TIN / SSS / GSIS or UMID number|
|Signed Certificate of Employment|
|Proof of income||Bank statement of your Payroll Account showing your 1-month salary|
|Valid TIN / SSS / GSIS or UMID number|
|Audited Financial Statements|
|Proof of income||Latest ITR duly stamped as received by the BIR|
|Annual Fee Waiver||Yes|
|Monthly Effective Interest Rate||3%|
|Cash Advance Monthly Effective Interest Rate||3.04%|
|Minimum Amount Due||P500 / %|
|Cash Advance Fee||P200 / %|
Is this the right product for you?
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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.
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.
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.
The Citi Simplicity+ Card rewards responsible credit cardholders who pay their monthly credit card bills early or on time. How? By giving 10% back on interest charges when you pay your minimum amount due on or before your due date, which means additional savings for you.
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.
Most credit cards focus on one feature or two at a time like the Citi Simplicity+ Card which aims to minimize fees. This leaves out other card benefits like reward points but the savings you’ll get from having minimal fees is the reward itself.
If you love collecting reward points, try the Citi PremierMiles Card and earn 1 non-expiring PremierMile for every ₱30 spend. And since it's a travel card, air miles are easy to redeem, with 1 air mile only equivalent to 1.6 PremierMiles.
The Citi Simplicity+ Card has great money-saving benefits but it’s limited to credit card fees. Since we encounter card fees on a regular basis, you’ll make use of these benefits as opposed to having many features that aren’t as useful or beneficial.
Want to try other benefits? Give the Citi Cash Back Card a go and enjoy multiple cash back perks: 6% on groceries, 2% on Meralco bills payments on Citi Online, and 0.2% on all other purchases.
If you want a no-fuss credit card that also lets you enjoy great benefits and rewards, the Citi Simplicity+ Card 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:
All you have to do is apply for the Citi Simplicity+ Card on the Moneymax website. Once your credit card application is approved, spend at least ₱10,000 (single or accumulated spend) within 60 days of approval to get your chosen gift within weeks. For more information, check out our Rewards FAQs.
There is a minimum spend requirement of ₱10,000 within 60 days from the card approval date to get your welcome gift from us. Once you meet the minimum spend requirement, you can expect your gift to arrive within weeks.
The minimum amount due is the sum of the items below or ₱500, whichever is higher:
- Any past due amount
- Billed monthly installments due of your interest-bearing installment transactions for the month
- Billed interest charge
- Billed late charge
- Total amount due (which includes the billed monthly installments due of your Citi PayLite NOW Installment Transactions for the month) less items 1 to 4, multiplied by the required payment percentage of 1%
- 1% of the unbilled Principal of your Citi PayLite NOW Installment Transactions.
The minimum amount due can also be your total amount due if it’s less than or equal to ₱500.
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.
While it doesn’t charge for annual, late payment, and overlimit fees, other fees still come with a Citi Simplicity+ Card. These include balance transfer fees, cash advance fees, foreign transaction fees, and return payment fees. Such fees, however, depend on the transactions you have made.
Unfortunately, no. However, you can still avail of exclusive discounts from partner stores and establishments.
You would need to wait 10 banking days for Citi representatives to verify your application. Card delivery takes 5 to 7 banking days for Metro Manila and 7 to 10 banking days outside Metro Manila.
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