Learn about Citi Simplicity Credit Card benefits

Find out about all benefits that Citi Simplicity Credit Card come with.

Installment Programs

Split your payments into installments or get a cash from your credit card limit.

Interest-free period

You get a 56 day interest-free period with Citi Simplicity.

Contactless payments

Make quick and convenient payments with a contactless feature on your credit card.

Secure transactions

Learn about the solutions that provide enhanced security of your credit card transactions.

3D Security

Verified by Visa/MasterCard Secure Code – additional security for your online transactions. In order to authenticate your online purchases, you will be asked to enter the code that will be sent to your mobile phone.

EMV Chip

Citibank Credit Cards are microchip embedded cards. Your transactions at merchants are authorized by entering your unique PIN.

CitiAlerts

CitiAlerts help you stay in full control of your accounts thanks to SMS or e-mail updates.

Additional Protection

Insurance for credit card holders in unexpected life situations related to travel and shopping.

72 H

In the event of your card’s loss, the Bank takes responsibility for the transactions made without your knowledge and PIN up to 72 h before you report your card’s loss.

Suspicious Transactions

Suspicious transaction system – created and applied only by the Bank protects against unauthorized use of your card.

Chargeback

If you paid with your credit card for the service that was not delivered (e.g. a trip), you can report this fact to us and we can initiate the chargeback proceedings on your behalf.

Fees and charges

Fees and charges Simplicity
Annual fee in the first year PLN 0 (RRSO 10,47%)
Monthly fee for using the card next year PLN 0
Fee for non-cash transactions PLN 0
Non-cash transactions fee PLN 0
Fee for access to your credit card via Citibank Online, Citi Mobile PLN 0
Mandatory credit card insurance No

Documents

Citi Specials - Benefit program

Discounts, rewards, surprises – this is what is waiting for you in Citi Specials.
Let yourself feel a bit more special with Citi Specials – Benefit Program that comes with all the priviledges available with your card:

Up to 50% discounts

Enjoy up to 50% discounts with nearly 300 partners at almost 5,000 in-store and online merchants.

Rewards for transactions

Pay with your MasterCard, earn points and redeem them for rewards (a new program coming soon).

Surprises and special offers

Keep checking limited offers and surprises at the www or in your inbox.

Codzienne finanse
Google Pay

All you need now is your phone.

Add your Citi Handlowy Mastercard® card to the Google Pay app and shop with your phone:

  • contactlessly - the same way as you shop with your plastic card
  • online, wherever you see the “Pay with Google Pay” icon.
Find out more

Maximum repayment period is 12 months.

Representative example for Citi Simplicity Credit Card:

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