citi simplicity credit card

Citi Simplicity+ Card

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


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
  • Ideal for: cardholders looking to pay less card fees
  • This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
Existing Credit CardNot Required
Landline numberNot Required
Age21 to 70 years old
Minimum Annual IncomeP180,000
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of incomeBank statement of your Payroll Account showing your 1-month salary
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Proof of incomeLatest ITR duly stamped as received by the BIR
Annual Fee Free
Annual Fee Waiver Yes
Monthly Effective Interest Rate3%
Cash Advance Monthly Effective Interest Rate3.04%
Minimum Amount Due P500 / %
Cash Advance Fee P200 / %

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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

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.

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.


No reward points

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.

Benefits are limited to fees

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.

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+ 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: 

  • 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.

Citibank, N.A., Philippine Branch, has transferred ownership of its consumer banking business to Union Bank of the Philippines with effect from August 1, 2022. The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design, and all similar trademarks and derivations thereof are used temporarily under license by Union Bank of the Philippines from Citigroup Inc. and related group entities. This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.


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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