Citibank Simplicity Credit Card How TO Login | Pay Your Bills

Citi Simplicity is part of the Citibank group’s credit cards. Citibank is the Citigroup’s consumer division. Citibank, or City Bank of New York and later First National City Bank of New York, was founded in 1812. The bank does standard banking operations and markets credit cards, insurance and investment products. It started the credit card business in 1960. Its very first credit card was “The Everything Card” which was created in 1968. The online services division claims the most successful field, which accounts to about 15 million customers. Today, it now offers numerous credit card products to suit every customer’s needs, and one of them is the Citi Simplicity credit card, the only card that offers no late charges, no annual fee and no penalty rate.

Citi Simplicity is called such because it features a simple proposition, which is a very long 0% introductory APR on purchases and balance transfers for 21 months. It boasts no late payment charges and no annual fee. Users can enjoy 13.24% to 23.24% APR variable after 21 months. This gives you time to pay existing debt or a recent purchase. Since there is no late payment charge and penalty increase of APR, it won’t hurt to miss payments.

How to Login

Once you have successfully applied and availed the Citi Simplicity Card, you can create an online account and access it anytime. Your online account offers convenience and other loads of benefits. To login to your account, click this link:


On the top right corner, you will see the “sign on to” drop down menu. Click on the “Credit Cards” option and you will be directed to this link: Enter your account details to sign on. If you happen to forget your login details, just click on the “Forgot User ID/Password” option. You will be asked about your account details. Supply the necessary information and check the email confirmation. You can also check the “Remember My User ID” option.


Make sure you have already registered your account before logging in to this page. Otherwise, you can register by clicking “Register Now” to sign up your card and follow the instructions in registering your credit card: Registration has four steps as shown in the image below:

Register Now

Now if you haven’t activated your card yet, you can notice the “Activate a New Card” option if you go back on the “sign on” page. If you choose this, you will be directed to a new page and be asked about your account details. Please refer to the image below:

sign on

Pay your bills

Citi Simplicity Credit Card Online Payment

Use your account online ( to pay for your Citi Simplicity bill or pay through an ATM. To pay online, follow these steps:

  1. Login and choose the “Payments and Transfers” option.
  2. Select the source account, which is either savings or checking to transfer purchase payment from bank to the credit card.

Pay thrugh ATM

To pay through an ATM, follow these steps:

  1. Select “Payments and Transfers”.
  2. Select “Bills Payment”.
  3. Pick the source account and the payee/destination of funds.
  4. Enter credit card number and amount.

Simplicity Credit Card AutoPay Option


You can also opt to enroll in AutoPay. By doing this, your credit card will be linked to your bank account and pay due dates on time because payment will automatically be deducted to your account. Enroll in AutoPay here: