Advertisements
If you live in Poland and are looking for a practical, transparent and internationally accepted credit card, Citi Simplicity might be just what you need. In this content, you'll learn about the rates, features, exclusive benefits, approval criteria, and other details about this versatile card offered by Citi Handlowy.
(You will be redirected to another page)
Designed to make everyday life easier, whether for local or international purchases, Citi Simplicity combines digital features, app-based financial control, smart installment plans, and widespread acceptance—all backed by an international bank with a strong presence in Poland.
With integration with digital wallets like Apple Pay and Google Pay, the card perfectly suits those who value mobility, security, and flexibility.
Citi Simplicity Featured Benefits
✅ Global Use with Visa or Mastercard
Shop within and outside Poland with global acceptance. Ideal for both physical stores and online platforms, with clear conversion rates and no hidden commissions.
✅ First Year Fee Exemption
There's no monthly fee for the first 12 months. After that, the fee (around PLN 12/month) can be waived if you maintain a minimum monthly spend of PLN 1,000.
✅ Citi Mobile App for Complete Management
Control your spending, view limits, organize installment plans, and track bills through the app. All in a secure and intuitive way.
✅ Contactless Payment
Add your card to Apple Pay or Google Pay and pay with your smartphone, smartwatch, or other compatible device.
✅ Digital Card Included
Use a virtual card exclusively for online transactions, with different details than your physical card, ensuring greater security when shopping online.
✅ Komfort Installment Program
Convert purchases over PLN 100 into fixed installments, with clear terms and fast approval directly in the app or through online banking.
✅ Up to 56 Days Interest Free
Get some breathing room in your budget with an extended interest-free payment period, as long as the invoice is paid in full within the period.
Card Conditions and Fees
| Service | Details |
|---|---|
| ATM withdrawals | Subject to additional fees, varying by location and currency. |
| Monthly/Annual Fee | Average PLN 12/month; may be exempt with active use |
| Cashback | May be available in specific campaigns |
| Credit limit | Between PLN 1,000 and PLN 25,000, depending on credit analysis |
| International purchases | Conversion rate according to the brand; no additional commission |
| Invoice installment | Available with interest defined in the contract |
| Additional card | Can be requested at an additional cost |
How Does Credit Assessment Work?
The analysis of your request takes into account the following points:
- Proof of stable monthly income
- Positive credit history
- Spending behavior and relationship with the bank
- Credit score and registration data
The bank releases a limit based on your profile, which can vary between PLN 1,000 and PLN 25,000.
Important: People with bad credit or bad credit history are generally not approved, as the bank requires a good credit reputation.
(You will be redirected to another page)
Security and Trust with Citi Handlowy
Part of the international Citi group, the Citi Handlowy offers robust technology and high-level security to protect your transactions and personal data. It's an institution with a long history in the country and excellent support for Polish and foreign customers.
Who is the Card Suitable for?
- Who wants a card without hidden fees?
- Users who like to manage everything via smartphone
- Residents and expats who shop internationally
- Customers seeking clarity on terms of use and real benefits
Benefits Comparison: Card vs Bank Promotions
| Advantage Type | On the Citi Simplicity Card | In Citi Account Promotions |
|---|---|---|
| Points / Vouchers | Participation in the Mastercard Bezcenne Chwile program | May include prizes in opening campaigns |
| Cashback | Available in seasonal promotions | Some specific campaigns |
| Welcome bonus | Up to PLN 1,200 in promotional campaigns | Campaigns with bonuses when opening an account or signing up for a card |
Conclusion
THE Citi Simplicity of Citi Handlowy It's an excellent option for those seeking control, savings, and international coverage. With no fees for the first year, digital benefits, enhanced security, and payment flexibility, it serves both residents and foreigners living in Poland.
If you're looking for a modern, reliable card with clear terms and conditions, Citi Simplicity could be the ideal partner for your financial routine.
FAQ – Frequently Asked Questions about Citi Simplicity
1. Is there a monthly or annual fee?
There's no monthly fee for the first 12 months. After that, the fee waiver continues if you spend at least PLN 1,000 per month.
2. Can I use the card outside Poland?
Yes. The card has international coverage and is accepted at millions of establishments, with no additional conversion fee.
3. Do I need to open an account with Citi Handlowy to get the card?
Yes. The card is linked to a bank account. The opening process can be completed online.
4. Can I pay for large purchases in installments?
Yes. Purchases over PLN 100 can be paid in up to 60 installments with clear fees through the Komfort program.