Collect PAYBACK points

After your first transaction with the credit card, you earn welcome points:

3,000
points

3,000 welcome points

After your first transaction with the PAYBACK Gold Motocard

PLN 2
1 point

For each PLN 2 spent at BP stations you earn 1 point.

1,500
points

1,500 welcome points

After your first transaction with the PAYBACK Silver Motocard

PLN 5
1 point

For each PLN 5 spent at any store or merchant, you get 1 point.

The points will not be earned for transactions made at other filling stations (except for BP stations).

You can redeem your points for rewards from the Partners’ catalogues.

Select a credit card:

3,000 welcome points

1,500 welcome points

Enter your monthly spending with the card at BP stations (PLN 2 = 1 point):

Enter your monthly spending with the card at other places (PLN 5 = 1 point):

Total monthly spend::

0

Congratulations! You earned
0
points during the year.

Secure transaction

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 BP PAYBACK Silver BP PAYBACK Gold
Monthly fee of card's use PLN 0 if the monthly transaction exceed the amount of PLN 1000 or PLN 8 (RRSO 14,91) PLN 0 if the monthly transaction exceed the amount of PLN 2000 or PLN 18 (RRSO 16,06%)
Non-cash transactions fee PLN 0 PLN 0
Fee for paying bills with your credit card PLN 0 PLN 0
Fee for access to your credit card account via Citibank online, CitiMobile PLN 0 PLN 0
Mandatory credit card insurance No No

Documents

Representative example for Citibank BP PAYBACK SILVER Credit Card:

Effective interest rate (EIR) of 14.91% p.a. with assumption: total loan amount of PLN 4300; total amount to be repaid PLN 4632.46, variable nominal interest of 10% p.a.; total cost of credit amounting to PLN 332.46, (including an annual fee of PLN 96 for the main card issuing and usage and interests in the amount of PLN 236.46); 12 monthly installments in the amount of PLN 386.04 - as of 01/03/2017.

Representative example for Citibank BP PAYBACK GOLD Credit Card:

Effective interest rate (EIR) of 16.06% p.a. with assumption: total loan amount of PLN 7700; total amount to be repaid PLN 8339.43, variable nominal interest of 10% p.a.; total cost of credit amounting to PLN 639.43, (including an annual fee of PLN 216 for the main card issuing and usage and interests in the amount of PLN 423.43); 12 monthly installments in the amount of PLN 694.95. - as of 01/03/2017.

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