Your browser does not support JavaScript! Pls enable JavaScript and try again.

Citi Simplicity Credit Card

No annual fee credit card -
The card that keeps it simple

Get Citi Simplicity

Simpler terms, no hassle and no annual fees

No annual fee
No annual fee

No annual fee every year, no collection fee, and no card issuance fee.

No credit card payment fee
No credit card payment fee

Receive payment fee rebate when paying your credit card bills at Counter Service1.

1% Cash withdrawal fee
1% Cash withdrawal fee

at all ATMs nationwide
(normal cash withdrawal fee is 3%).

Top 4 credit card features

Top 2 credit card features

Smartphone highlighting benefits of Install payment with Citi Flexibill
Monthly Bill Instalments

Turn statements into small payments

Smartphone displaying an instantly approved credit card loan of 8000 THB with Citi Quick Cash
Citi Quick Cash

Instant cash to get things done right away

Freedom to do more with the new
Citi Mobile® App

Smartphone displaying Citi Simplicity credit card on Citi Mobile App
Smartphone displaying activation of Citi Simplicity credit card on Citi Mobile App
 Smartphone displaying Citi Simplicity card secure transaction with Citi Mobile Token
Smartphone displaying the locking of Citi Simplicity credit card with Citi Mobile App
 Smartphone displaying the powerful on-demand features of Citi Mobile App
 Smartphone displaying the facility to track Citi Simplicity credit card rewards with Citi Mobile App

Everything at a glance

Activate a new card

Secure your transaction

Lock and unlock your card

Powerful features on demand

Rewards & Offers

Get a credit card with no annual fee in less than 10 minutes

Get a new Citi Simplicity card from your phone or computer in an easy, paperless signup process

No annual fee
every single year

20 years old
and above

Eligibility criteria for Citi Simplicity no annual fee credit card

  • Age: 20 years old and above
  • Required documents: ID card copy, house registration copy, payroll slip / company registration copy, personal bank statement
  • Age: 20 years old and above
  • Required documents: Passport copy, valid work permit, payroll slip / company registration copy, personal bank statement

*Terms & Conditions Apply. For new customer only.

Citi Simplicity Terms and Conditions

  • 1For Counter Service, customers need to pay credit card payment fee upfront and the THB 15 fee will be rebated to your account automatically.
  • 2Get 1 privilege on Retail spending, Cash Advance, Call for Cash or Citi PayLite of THB1,200/sales slip (For Citi PayLite and Call For Cash, privilege will be given for 1st time transaction only, not include monthly installment). Limit 3 privileges/primary card member (Mastercard® and Visa combined)/month and 1,200 items/ merchant/ month (Limit 1 account/1 registered mobile number with Citibank). In the case that the transaction has been reversed or cancelled and the privilege was redeemed already, the bank reserves right to charge back to your credit card account with the amount equal to the value of items redeemed without advanced notice.
  • 3Cap spending THB1,600/sales slip/transaction and limit maximum rebate at THB 48/month. Registration required by typing GAS<space> followed by last 12 digits of your credit card number and send to 4712228(THB 3/SMS). 1 Jan '21 - 31 Mar '22.
  • Citi Simplicity credit card has no rewards point system.
  • Interest rate including penalty fee and other service charges at maximum of 16% per annum. Cash withdrawal fee at 1% of amount withdrawn. No card annual fee, card replacement fee in case of loss/damage and collection fee for Citi Simplicity. Payment fee based on the points of service providers from THB 0 to 50. Statement re-issuing fee of THB 50. Copy of sales slip fee of THB 200. Transaction investigation fee of THB 200. Collection fee of THB 50 for the first cycle and THB 100 for the following cycle - only applies if outstanding balance is over THB 1,000 (Effective from September 12, 2021 onwards). Currency conversion risk factor maximum 2.5% of the standard exchange rate set forth by Mastercard® and/or Visa on retail or cash transactions incurred in foreign currencies, collectible in Thai Baht. Details of interest rate and fees are available at
  • Travel accident coverage up to THB 7,000,000 per card for tickets purchased through Citi Simplicity credit card.
    • Coverage of THB 7,000 per card member for delayed flight or luggage.
    • Coverage of THB 24,500 per card member for lost luggage.
  • Terms and conditions as well as portion that is responsible by card member follow protection plan issued by the insurance company, Lockton Wattana Insurance Brokers (Thailand) Ltd. For more information, contact 098-249-5657.
Show more