The world of credit just got a lot simpler with the new Citi Simplicity.
10% Interest Back
Always forget to pay your credit card bills on time? With Citi Simplicity credit card, you will not going to miss your statement due date as this cashback credit card lets you enjoy savings on finance charges by giving you 10% interest back!
Note that finance charges for all purchases range between 15% p.a. to 18% p.a., depending on how soon you pay off your outstanding balance in a year; whereas interest rate on cash advance is 18% p.a. calculated daily.
All you have to do is pay at least the minimum monthly payment amount on your purchases and cash advances on time every month.
You will earn your 10% rebates for the billing period in your upcoming statement. The best part about this feature is that there is no capping amount on your interest back so your savings can really add up!
Balance Transfer Promotion
Citi Simplicity also intends to simplify your finances with balance transfer plans that offer low interest charges and flexible repayments. First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. for 12 months, with a minimum balance transfer of RM1,000.
Should you want to stretch your repayment capacity up to 36 months, you can apply for Balance Transfer via Installment Plan and pay as low as RM32.23 per month with a minimum balance transfer of RM1,000.
Interestingly, when you apply for Balance Transfer via Installment Plan online, you will enjoy zero fees - zero upfront fee, zero processing fee and zero early settlement fee, and flat interest rates between 1.03% p.a. to 1.16% p.a. (equivalent to EIR of 1.99%) when you transfer a minimum of RM10,000.
Just apply for a Citibank credit card here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.
Flexi Payment Plan
Be it a birthday treat or self reward, you can afford the luxury items in your wish list with a swipe of Citi Simplicity credit card. It's so simple that you only require to make a minimum purchase of RM500, in a single receipt or accumulated retail transactions, then convert into FlexiPayment Plan!
You can choose to repay your installment from 6 to 36 months, with flat interest rate between 10.02% p.a. to 10.63% p.a..
No More Fees!
Strip your anxiety away from the needs to pay for a multitude of fees as Citi Simplicity credit card guarantees zero annual fees for both principal and supplementary credit cards, zero late payment fee and zero over limit fee!
Why complicate your expenses when you can simplify it with Citi Simplicity credit card.