citi simplicity credit card

Citi Simplicity+ Card

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Special Promotions

FREE GCash or Lazada Vouchers!

Apply for any Citi credit card via Moneymax and get a gift upon approval. You can choose from GCash or Lazada vouchers worth ₱2,000. See T&Cs for GCash here and T&Cs for Lazada here.

This gift is exclusively from Moneymax and is on top of other Citi credit card promos. Promo runs until June 23, 2021 only. Hurry, apply now!

GCash: Per DTI Fair Trade Permit No. FTEB-120346. Series of 2021. 

Lazada: Per DTI Fair Trade Permit No. FTEB-121175. Series of 2021.

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 / %

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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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