Your browser does not support JavaScript! Pls enable JavaScript and try again.
No annual fee credit card - The card that keeps it simple

Citi Simplicity Credit Card

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

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.

1% Cash withdrawal fee
1% Cash withdrawal fee

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

Special privilege every month
Special privilege every month1

and complimentary gift in your birth month.
More information

1% Rebate on Petrol
1% Rebate on Petrol2

for every THB 800 spend/sales slip
at all Shell Gas Stations nationwide.
(SMS registration is required)

Use when necessary and pay back full amount on time to avoid 16% interest rate

Already a Citi Credit Card member?

Citi credit card referral program

Citi Referral Program

Refer a friend to apply for Citi Credit Card

Get a least THB 1,000 cash rebate*. Refer more, get more

Citi Simplicity Credit Card features

Turn statements into monthly instalments with Citi Flexibill
Monthly Bill Instalments

Turn statements into small payments

Get Instant Cash right away to get things done with Citi Quick Cash
Citi Quick Cash

Instant cash to get things done right away

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

No-annual-fee criteria for Citi Simplicity 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

  • 1Get THB 200 discount code on Retail spending, Cash Advance, Call for Cash or Citi PayLite of THB 2,000/sales slip with 3 times/month (For Citi PayLite and Call For Cash, privilege will be given for 1st time transaction only, not include monthly installment). Limit to the first 1,000 redemptions with successful registration/program monthly (Visa and Mastercard® combined). Discount code will be sent via SMS to your registered mobile number with The Bank within 60 days after program ends monthly and customers must maintain membership status until fulfillment date.
  • 2Cap 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 ‘24 – 31 Mar ‘24.
  • Citi Simplicity credit card has no rewards point system.
  • From 1 May 2024 onwards, the transactions from VISA/MASTERCARD credit card on goods, and/or services in Thai baht at the overseas registered merchants and online merchants, and cash withdrawal in Thai baht at overseas ATM will be charged on “Dynamic Currency Conversion" Fee (DCC Fee) at the rate of 1% on the spending/ withdrawal amount.
  • 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 10,000,000 per card for tickets purchased through Citi Simplicity credit card.
    • Cover of THB 7,000 per card member for any flight cancellation or flight delay over 4 hours for either domestic or international flights.
    • Cover of THB 7,000 per card member, in case that the card member’s luggage(s) delivery is delayed for more than 6 hour for travelling to overseas destination for the flight departing from Thailand.
    • Cover of  THB 25,000 per card member, if there is a loss of luggage(s) in case of overseas destination for the flight departing from Thailand
  • 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