Min. Monthly Income
- No annual fee every single year
- No late and overlimit fees
- Get 10% back on interest charges if you pay at least the minimum due on or before the due date
No ANNUAL FEE for life!
- Apply and get approved for a Citi Simplicity Card and get peace of mind with no annual fee, late fees and overlimit fees - ever.
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Simplifying Life’s Choices
Avoid complications and keep things simple with Citi’s Simplicity+ credit card. Benefit from the usual privileges that Citi credit cardholders receive plus more! Take full advantage as you enjoy waived annual membership fees for life. It gets even better since you won’t be charged with any late payment fees and if by chance you exceed your credit limit, you won’t be subjected to any over limit fees, how great is that? And the best part is, if you pay the minimum amount on or before the due date, you will get 10% back on interest charges. If simplifying things means removing additional fees and charges, then simplicity indeed is the best policy.
Fees and Charges of Citi Simplicity+ Credit Card
Similar to other Citi cards, there will be a charge of 3.5% interest rate for outstanding balances. However, unlike other credit cards in the market including the ones from Citi, an incredible feature of this card is that most of the usual fees have been waived for life. For example, the annual membership fee for both principal and supplementary cards are free. There are also no late payment fees and over-limit fees which means that no charges will be made when you go over your credit limit. This would be by far the card with the least fees and charges available in the market.
Are you eligible for a Citi Simplicity+ Credit Card?
Apply now and benefit from the advantages that this card has to offer. With a low monthly income requirement of only ₱20,800, you must also be 21 years of age to be a principal cardholder. But if you are earning at least ₱15,000 per month, you will need to have an existing credit card for at least 7 months to be eligible. For supplementary cardholders, the required age is 16 years and above. You can get up to 7 supplementary cards and assign individual credit/spend limits for each, starting at ₱10,000 while sharing the same benefits and privileges with every cardholder. For identification, you are required to show your Tax Identification Number (TIN) and SSS or GSIS number, plus a valid email address for electronic delivery of statement notifications.
At the moment, there is no credit card that matches what the Citi Simplicity+ card has to offer. However, if you are looking for alternative options with features that have the closest resemblance, you can also consider the HSBC Gold Visa Cash Back Credit Card and the AUB Classic MasterCard. Compare their requirements and benefits and see if it matches your need.
Still interested to view other credit cards with various features coming from the same provider? If you are looking for other no annual fee Citi credit cards, you can visit our complete list and compare which credit card matches your spending lifestyle. Applying is fast and easy with iMoney.