• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy no annual fee every single year
  • Get 10% back on interest charges if you pay at least the minimum due on or before the due date
  • No late payment and overlimit fees


No ANNUAL FEE for life! Apply for a Citi Simlplicity+ Mastercard® and find out instantly if you’re qualified!

  • Apply and get approved for a Citi Simlplicity+ Mastercard® and get peace of mind with no annual fee, late fees and overlimit fees - ever.


  • Get 10% back on interest charges if you pay at least the minimum due on or before the due date.


  • Get 10% back on interest charges if you pay at least the minimum due on or before the due date.


  • Get 10% back on interest charges if you pay at least the minimum due on or before the due date.


  • Get 10% back on interest charges if you pay at least the minimum due on or before the due date.


  • Get 10% back on interest charges if you pay at least the minimum due on or before the due date.

Other Features

  • Annual Fee Waived
    • Enjoy waived annual fees for life.
  • Balance Transfer
    • 0.99% per month for a lock-in tenure of 12 months.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants. With flexible payment schemes that you can choose from - 3, 6, 9, 12, 18 and 24 months for minimum of single or accumulated purchase of only ₱3,000.00
  • Credit Limit
    • With a high credit limit, you can buy that extra special item on top of your usual shopping spending.
    • With combined credit limit, get to manage your finances accordingly as you allocate your credit limit between your principal and supplementary credit cards.
    • Get up to seven (7) supplementary cards which you can assign spend limits of as low as ₱10,000.00 for each card and share the same card benefits and privileges to your immediate family and relatives.
    • Easily request for a credit line increase if you have maintained a good credit standing, have been a cardholder for more than a year, and have not had a credit line increase in the last six (6) months.
  • Citi Privileges
    • Use your Citi Credit Card around the globe as you enjoy the advantages of worldwide acceptance in 150 countries and over 29 million establishments.
    • With over 1,000 partner establishments, get the best dining deals in the Philippines.
    • Get free items, exclusive discounts, and upgrades from a total of 5,000 Citibank partner establishments all over the world.
    • Have your family and friends sign up for their own Citi card and get to enjoy exciting privileges and rewards all year with the Member-Get-Member program.
  • Added Services
    • Pay bills, manage your finances, and view your account information 24/7 with Citibank Online.
    • The Mobile Payments feature lets you access available credit, the amount you owe Citibank, and even pay for your bills just with a single text message.
    • If you have concerns, you don’t have to worry with 24-Hour Citiphone. Inquire about anything or transact anytime with just a simple call to Citibank’s hotline.
    • With Electronic Statement you can learn about the latest offers and promotions quicker as you receive your statements via email.

Card Information

Annual fee Free
Min. monthly income ₱20,800.00 (or ₱15,000 for existing credit cardholders)
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

16 years old and above

Fee for supplementary holder N/A
Finance charges 3.5% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

₱250.00 for each sales slip

Late payment charge


Cash advance amount

30% of credit limit

Cash advance charge

₱500.00 or 3% of cash advance amount, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

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 Simlplicity+ Mastercard®

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 Simlplicity+ Mastercard®?

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 Simlplicity+ Mastercard® 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.