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If you live in Poland and are looking for a modern, easy-to-manage, globally accepted credit card with zero first-year fees, Citi Simplicity offered by Citi Handlowy can be an excellent alternative.
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This card offers a complete digital experience, with an app available in Polish and English, integration with digital wallets, full control via mobile phone, and an online application process. It's a perfect choice for those who want convenience in their daily lives, both for domestic and international purchases.
How to Apply for the Citi Simplicity Card
✅ Step 1: Visit the official Citi Handlowy website
Go to the bank's digital portal and select the option to apply for the Citi Simplicity card. The entire process can be completed online in just a few minutes.
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✅ Step 2: Choose your card brand
You can choose between Visa and Mastercard. Both are widely accepted in Poland and abroad.
✅ Step 3: Fill out the form with your details
Enter your personal data: full name, address in Poland, PESEL (or passport) number, local telephone number, email, profession and monthly income.
✅ Step 4: Complete identity verification
The bank may ask for a selfie with your ID, a video call, or, in some cases, a visit to a branch. Have your valid documents ready.
✅ Step 5: Wait for approval and submission
After credit analysis, the card will be shipped to your address within Poland. Delivery time is typically 5 to 10 business days.
Recommended Documents for the Application
- Valid document (passport or Polish ID)
- Proof of current residence
- PESEL number (if you are a permanent resident)
- Proof of income (employment contract, bank statement or pay stub)
- Polish cell phone and active email
Digital Card Features
- Citi Mobile App: available for Android and iOS, with features such as limit, blocking, invoice, notifications and more
- Virtual card: for safer online shopping
- Apple Pay and Google Pay: pay by contactless with your cell phone or smartwatch
- Real-time notifications: track every transaction instantly
- Enhanced security: Two-factor authentication (2FA)
- Bilingual service: support in Polish and English, via app, phone or internet banking
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Why Choose Citi Simplicity?
THE Citi Simplicity stands out for its clear and accessible proposal: no hidden fees, with the possibility of exemption from monthly fees with frequent use, up to 56 days interest-free to pay the bill and the option of installments with a fixed rate.
Ideal for students, professionals, or foreigners living in Poland, it offers a balance of financial control, digital security, and international support.
✅ Conclusion
THE Citi Simplicity of Citi Handlowy is an excellent option for those living in Poland looking for a reliable, modern, and easy-to-manage credit card. With the convenience of applying online, no annual fee for the first year, and comprehensive digital tools, it's well-suited for both local residents and foreigners who want more control and freedom over their everyday finances.
In addition to being widely accepted internationally with Visa or Mastercard, the card offers real advantages such as affordable installments, contactless payments, a virtual card, and bilingual support—all without hidden fees.
If you are looking for a simple, transparent and secure solution for your purchases, Citi Simplicity might be just what you need.