How To Get a Citi Simplicity+ Credit Card

One of the reasons why many people are discouraged from applying for a credit card is that the cards come with complex fees and confusing terms and conditions. The Citi Simplicity+ Credit Card wants to make things easy.

Free from unnecessary and hefty fees, this credit card is designed to help bring ease and simplicity to cardholders. One of the ways it gives users the peace of mind they deserve is by eliminating annual fees. 

They also don’t charge over-limit and late fees. If you are interested in getting a credit card, the Citi Simplicity+ Credit Card is worth checking out. To know more about this offering, read on. 

How To Get a Citi Simplicity+ Credit Card

Key Features and Benefits of the Citi Simplicity+ Credit Card

As mentioned, the Citi Simplicity+ Credit Card is a card that keeps its simple at its very core. It highlights its main offerings: no annual fees, no late payment charges, and no over-limit fees – ever. 

With this, you can breathe a little easier knowing you won’t have to be penalized and lose money over these again. As part of its offering, this Visa-powered Citi card gives cardholders the chance to get 10% interest back on charges

This can be availed provided you pay the minimum amount due on or before the date. This means you get to enjoy returns on your end and maximize this 10% back on interest charges. 

Another notable feature that certainly deserves your attention is the Citi PayLite After Purchase. Under this initiative, you can turn your big-ticket purchases into smaller payments, allowing you to manage your finances better. 

On top of this, the card comes with a Citi Speed Cash feature, meaning you’ll be able to easily apply for cash in less than a minute using the Citi Mobile App

The cash amount you can get is up to the equivalent of your current credit limit, with plans to pay this back in up to 60 months. 

Eligibility Requirements and Application Process

If you are interested in getting the Citi Simplicity+ Credit Card, you are required to be at least 21 years of age to be eligible. 

In addition, you must also have an annual income of at least P180,000 to qualify if you have an existing credit card and P250,000 if you do not.

You should also have a proof of income, such as your latest payslip or ITR, as well as two valid IDs, ready. 

To apply, fill out the application form found on the Citibank website. This will require you to provide your name, date of birth, ID type and number, mobile phone number, and email address. 

After your application, Citi will review your file and if approved, will give a credit limit based on your creditworthiness. Bear in mind that this will differ depending on your financial capacity. 


  • Annual Fee – None
  • Monthly Interest Rate – 3.50%
  • Citi Cash Advance Monthly Interest Rate – 3.63% (inclusive of Advance Service Charge)
  • Cash Advance Service Charge – P500 or 3% of amount advanced (whichever is higher)
  • Foreign Transaction Service Fee – up to 3.525%
  • Late Payment Charge – None
  • Overlimit Fee – None

Bank Contact Information

To know more about the Citi Simplicity+ Credit Card, you may call Citibank at (632) 8995-9999 or email them at 

You may also visit them at Citi Plaza located in 34th Street, Bonifacio Global City, Taguig 1634. 

How To Get a Citi Simplicity+ Credit Card


The Citi Simplicity+ Credit Card is best for individuals who want a streamlined credit card experience. With no unnecessary fees and a ton of other perks, this Citibank offer is certainly worth exploring. 

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.