Learn about Citi Simplicity Credit Card benefits

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

Free supplementary cards

Choose a person with whom you want to share your credit card benefits.

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.

Discounts for Citibank Credit Card holders:

Up to 50% discounts

Discounts up to 50% at more than 5,000 merchants across Poland with Citi Rabaty Discount Program.

Find out more

Citi World Privileges

Citi World Privileges — a program with numerous benefits, including selected restaurants, shops or SPAs around the world.

Find out more

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 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.


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
Monthly PayPass sticker fee 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


Citi Simplicity

Get PLN 5000 from your credit card limit for 12 months and repay only PLN 5500.

Special offer for new Customers! EIR 10,47%.

Find out more

Maximum repayment period is 12 months.

Representative example for Citi Simplicity Credit Card:

With Citibank Credit Card you can earn 400 zł! bonus Check

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