How to Apply for a Citi Simplicity+ Credit Card


The Citi Simplicity+ Card promotes itself as the “The card that keeps it simple.” You can’t deny that Citi Visa cards are some of the highly recommended credit cards to have not only here the Philippines, but also in other countries abroad.

We understand the need for this type of line of credit, so in this article, we will be giving you the basic information on how you can own your own Citi Simplicity+ Card today.


Read on to learn more about the features and benefits, as well as the terms and conditions associated with this Visa credit card.

Citi Simplicity+ Card
Citi Simplicity+ Credit Card. Image source:

Citi Simplicity+ Credit Card Features and Benefits

Like its similar credit card under its name, the Citi Simplicity+ Credit Card prides itself on having advanced security features that prevent any questionable transactions from happening. Unlike leading credit cards out there that require you to pay an annual fee, the Simplicity+ card doesn’t have that, which is less stress on your part.

Just who wouldn’t like late fees? Having the Citi Simplicity+ credit card promises no late payment fees, no buts, and no ifs. If you pay the minimum due on or before your due date, you can be assured that you get 10% interest back!


Having this credit card also gives you a great number of discounts from selected establishments here in the Philippines and also in over 90 other countries! You can also enjoy 0% interest in its Citi PayLite Installment Plan.

How to Apply for a Citi Simplicity+ Credit Card

For you to be qualified for a Citi Simplicity+ Credit Card, you need to be at least 21 years old and have at least a minimum income of PHP 180,000 per year. You may apply for the card at the Citi website.

It is required that you have other important documents with you (such as proof of income and government-issued IDs) just in case they might ask for more information. Once your application is approved, your credit limit will be based on your monthly or annual income, as well as other important factors such as creditworthiness.

Citi Simplicity+ Credit Card Interest Rates and Charges

  • Annual Fee – None
  • Interest Rate – 3.50%
  • Cash Advance Fee – PHP 500 or 3% of cash of amount, whichever is higher
  • Monthly Late Payment Fee – None

Bank Address and Contact Details

Citibank N.A. Philippines Head Office is at Citi Plaza 34th Street, Bonifacio Global City, Taguig, 1634. Their hotline number is (632) 8995-9999.


As we get busier due to our many obligations, it will reach the point that we need a credit card for complete effortless cashless shopping. With the Citi Simplicity+ card, you are sure to enjoy great perks, and you won’t have to stress on your next shopping and traveling adventure, as the card is widely accepted in a lot of establishments locally and abroad.

If you are a person who doesn’t like to pay a lot of fees, this credit card is definitely for you. The Citi Simplicity+ is definitely the simple card you need for your everyday needs and wants.

Note: It is important to take note that there are risks involved when applying for and using a credit card. For more information, check the bank’s Terms and Conditions page.