Citibank Simplicity+ Card
| Minimum Annual Income P180,000 (P15,000 Monthly) | Interest Rate 2% | Annual Fee Free |
Special Promotions
Get ₱2,000 GCash when you apply for any Citi credit card through Moneymax. Until March 31 only. See T&Cs here.
Apply and get approved for any Citi credit card on the Moneymax website and get free ₱2,000 GCash! Gift is exclusively from Moneymax and is on top of other Citi credit card promos. Hurry, apply now!
Promo runs until March 31, 2021. Per DTI Fair Trade Permit No. FTEB-114827 Series of 2021. View full terms and conditions here.
Product Summary
Citibank 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 Card | Not Required |
| Landline number | Required |
| Age | 21 to 70 years old |
| Minimum Annual Income | P180,000 |
| Minimum Annual Income | 180000 |
| Minimum Annual Income | 250000 |
| Minimum Annual Income | 180000 |
| Minimum Annual Income | 250000 |
| Annual Fee | Free |
| Annual Fee Waiver | Yes |
| Monthly Effective Interest Rate | 2% |
| Cash Advance Monthly Effective Interest Rate | 2.04% |
| Minimum Amount Due | P500 / 1% |
| Cash Advance Fee | P200 / 2.04% |
Is this the right product for you?
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Citi Simplicity+ Features
Notice anything different from Citi Simplicity Card’s key features? Don’t worry, your eyes aren’t deceiving you: there really is no annual fee for owning a Citi Simplicity Card. For a card that promises simplicity, waiving the annual fee certainly does the trick.
Notice anything different from Citi Simplicity Card’s key features? Don’t worry, your eyes aren’t deceiving you: there really is no annual fee for owning a Citi Simplicity Card. For a card that promises simplicity, waiving the annual fee certainly does the trick.
Why Citi Simplicity+?
And that’s not all: the Citi Simplicity Card won’t charge you late payment fees, too. It’s a convenient feature in the new normal, where the economic situation doesn’t allow most of us to pay our bills on time. You don’t have to worry about additional charges for trying to get by.
And that’s not all: the Citi Simplicity Card won’t charge you late payment fees, too. It’s a convenient feature in the new normal, where the economic situation doesn’t allow most of us to pay our bills on time. You don’t have to worry about additional charges for trying to get by.
Citi Simplicity+ Fees and Charges
The Citi Simplicity Card also has no overlimit fees, mainly because your transaction will be cancelled once you reach your credit limit. You don’t need to worry about your credit card debt snowballing into a bigger amount. It’s a good feature to prevent overspending.
The Citi Simplicity Card also has no overlimit fees, mainly because your transaction will be cancelled once you reach your credit limit. You don’t need to worry about your credit card debt snowballing into a bigger amount. It’s a good feature to prevent overspending.
Read more about Citi Simplicity here.
FAQ
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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