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Citi Simplicity+ Visa Card®
Credit cards

Citi Simplicity+ Visa Card®

Updated: 22.09.2022

About credit card

If you need to pay off credit debt, the Citi Simplicity+ Visa Card® card is one of the finest balance transfer cards on the market since it has one of the longest 0% intro APR periods on balance transfers. You'll get a 21-month 0% intro APR on balance transfers done during the first four months of possessing the card, as well as a 12-month 0% intro APR on items purchased from the date of account activation (16.99% to 26.99% variable APR after that).

Features of the Citi Simplicity+ Visa Card®

The card has ₱0 liability protection for unauthorized charges made to your Visa account. You are not liable for fraudulent charges made in-store, online, or over the phone. For a faster response, you can also report illegal charges using the Visa app.

Pros and cons

Check out the pros and cons of the card below.


  • Circle-icon listThe card does not have any annual fee.
  • The card has one of the longest low-interest terms available for balance transfers which is  21 months
  • You will not be charged any late fees or overlimit costs.


  • There is a 3% international transaction charge that applies on purchases made outside of the Philippines.
  • There is no incentive system or welcome bonus.

How to apply for the Citi Simplicity+ Visa Card®?

Follow the steps below to apply for this card:

  1. Visit the CitiBank website.
  2. Click on Credit cards and then click on View all credit cards.
  3. Click on Visa, go down to locate the simplicity+ Visa.
  4. Click on Apply now, under Citi Simplicity+ Visa Card®.
  5. Select if you do or you do not have a principal card with another bank.
  6. Select if you do or you do not have any of the listed documents.
  7. Choose if your annual income is below or above ₱250,000.
  8. If you are eligible, the application form will be displayed, if not, you would need to meet all the eligibility requirements before continuing.
  9. Fill up your personal details and click on Begin application.
  10. Follow the on-screen directives to complete your application.

Before applying, you must meet these requirements:

Eligibility requirements

Applicants must:

  • Have an active landline.
  • Be at least 21.
  • Have a minimum income of ₱250,000 a year for principal card holders and ₱180,000 a year for subsequent holders.

Documentary requirements

Applicants must have:

  • Valid government issued ID card.
  • Proof of income.
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