Learn about Citi Simplicity Credit Card benefits

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

Installment Programs

Convert your non-cash transaction into installments or take advantage of the cash from your credit card limit offer.

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.


Find out about solutions that will make sure using your credit card is safe.

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 Package includes SMS and email alerts as well as credit card bill payment reminders. Check here what else comes with CitiAlerts.

Additional Protection

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

Suspicious Operations

Thanks to the warning system, we are able to identify any suspicious operations on your credit card and then check them with you.


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.


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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