By clicking on "Proceed to personal Details" you, agreed to our Privacy Policy and Terms of use

Citibank - Citi Simplicity Credit Card

The UAE is home to so many expats. In order to cater to the credit card needs of expats as well as residents, so many banks in the UAE offer various cards that are meticulously conceptualized to fulfil the financial needs of the credit card applicants.

In the UAE, expats as well as residents are constantly on a lookout for a credit card that fulfils their financial needs. Credit cards in the UAE offer various benefits such as complimentary lounge access, Buy One Get One Free Offers on movies, the facility of transferring balance, discounts on various brands and many more.

Credit cards have changed the way people buy things. Thanks to digitalization, people prefer carrying plastic money instead of carrying cash. The added layer of security makes sure that the transaction is totally safe. When a cardholder buys anything using their credit card, they get to accumulate points as per the applicable terms and conditions of the card. The can accumulate the points and redeem it later to avail discounts on the wide range of on partner brands. This way, the cardholders save while they shop. This is a win-win deal for them as it gives them big bangs for their bucks. 

Citibank - Citi Simplicity Credit Card

The Citibank Simplicity Credit Card is loaded with a host of unmatchable benefits. The credit card suits the need of various credit cardholders in terms of offer, rewards, and benefits the card has to offer. The best thing about Citibank Simplicity Credit Card is that it doesn’t come with any additional charges.

The card offers an array of benefits and features that make this card a must have. The primary cardholder can opt for the secondary card for their family members (if they fulfil the eligibility criteria). Loaded with various benefits such as Buy One Get One Free offer, complimentary access to the airport lounge, up to 20 percent discount at partner restaurants and eateries etc. this card fulfils the credit card needs of the applicants in the UAE.

Basic Card

Citi Simplicity Credit Card enables the cardholder to access a wide range of unmatchable benefits, such as dining discounts, travel rewards, buy one get one movie offers, and much more.

The Online Advantage

The applicant can apply for Citi Simplicity Credit Card online in a matter of a few seconds. Upon meeting the eligibility i.e. minimum spending requirement, Citibank will reward them up to AED 1,500. The cardholder can spend AED for 1,500 for purchasing their favorite things.

Features of Citi Simplicity Credit Card

The ground-breaking features of this card ensure that the Citi Simplicity Credit Card member gets financial protection and they don’t have to pay for additional expenses from their pocket. 

Listed below are the features of Citi Simplicity Credit Card:

  1. 0 Percent Interest- For the first 6 months, Citi Simplicity credit card charges interest at the rate of zero percent on balance transfer.
  2. No Annual Membership Charges- Citibank Simplicity credit card doesn’t charge any membership charges
  3. No Additional Charges- Be it late payment charges, over-limit charges or cash advance fee, Citi Simplicity Credit card doesn’t levy any additional charges.

Benefits of Citibank Citi Simplicity Credit Card

Thanks to the benefit of Citi Simplicity Credit Card, the card stands out among its competitors. Here are the benefits offered by the card.

Balance Transfer

During the first three months of activating their Simplicity Credit Card, the cardholder can transfer balance from their other cards for a time period of 6 months with zero rate of interest. The cardholder will have to pay a service charge i.e. 3 percent of the transferred amount.

In order to avail this service, the cardholder can call around the clock Citiphone Banking Service on 04 311 4000. Additional details such as tenures, the rate of interest and charges can be found in the Schedule of Fees and Charges.

Supplementary Cards

The cardholder can avail as many supplementary cards they want for their eligible family members. They don’t need to pay any extra charges. Apart from that, they can select the spending limit on the supplementary card(s).

The cardholder can apply for a supplementary credit card(s) without any cost for their family members. It gives them the liberty of using their exclusive credit card.

Note- The cardholder can, you can decide the limit on their credit card as a percentage of their own credit limit. Additionally, they get to earn Rewards Points on spending money using their card.

Eligibility Criteria for Availing Supplementary Credit Card

Here is a little smattering on eligibility criteria for availing supplementary credit card:

The cardholder can opt for a supplementary credit card for the following:

  1. Relationship with the Primary Cardholder- The supplementary card can be availed for primary cardholder’s blood relatives.
  2. Age- They ought to be more than 13 years of age.

Access to Airport lounge

The primary cardholder as well as supplementary cardholder of Simplicity MasterCard can avail lounge access on an unlimited basis at partner airport lounges across the UAE.

Buy One Get One Offers

The Citi Simplicity Credit cardholder can avail an array of Buy One Get One offer for the following:

  1. Leisure and Entertainment
  2. Spas
  3. Dining
  4. Hotels

The Buy One Get One offers can be availed across the UAE and Africa.

How to Avail Buy One Get One Offers?

In order to avail Buy One Get One offers, the cardholder needs to download the Buy 1, Get 1 Free

The app offered by MasterCard. The next step is to register their card. Once the registration is done, the cardholder can check out various options and select the one that suits their needs the most.

Mental Peace

Citi Simplicity Credit Card is meticulously designed for the ease of usage. Rather than various penalties and fees on the credit card, it provides the Citi Simplicity cardholder much-needed mental peace with the help of no annual membership charges, no late charges, no cash advance charges and no over-limit charges.

Dining Perks

The cardholder can relish scrumptious meals and have a memorable dining experience. The Gourmet Pleasures program offered by Citi offers the cardholder up to 20 percent discount at partner restaurants and eateries. The cardholder can browse through a wide range of restaurants and eateries avail the offer.

Eligibility Criteria of Citi Simplicity Credit Card

Here is a little smattering on the eligibility criteria of Citi Simplicity Credit Card:

  1. Annual Membership Charges- The card doesn’t attract any annual membership charges.
  2. Minimum monthly income- In order to opt for the card, the card member must earn a minimum of AED 5000 on a monthly basis.

Top Reasons to Buy Citi Simplicity Credit Card

The Citi Simplicity Credit Card offers best offers and discounts to the cardholder that makes the card a must have. Out of a plethora of reason, listed below are 5 reasons to buy Citi Simplicity Credit Card:

  1. Easy Application Process- The application process of the card is very easy, simple and hassle-free. The applicants can apply for the card in a matter of a few seconds.
  2. Minimum Service Charges- For balance transfer, the card attracts minimum service charges. For the first six months, regardless of the transferred amount, Citibank waives off the service charge for balance transfer facility. From six months onwards, the cardholder will have to pay a service charge at the rate of 3 percent of the transferred amount.
  3. Basic Income Requirement- The card comes with a basic income requirement so that there is no restriction on the applicants while opting for the card. The income requirement for the card is AED 5000 per month.
  4. Discounts and Offers- The card offers an array of amazing discounts and offers so that the cardholder can make most of his credit card.
  5. No Late Payment Charges- In case the cardholder faces a financial crunch and is not able to pay the outstanding credit card bill within the due date; no late payment charges are levied.

Fees and Charges of Citibank Citi Simplicity Credit Card

Mentioned below are fees and charges for Citi Simplicity Card:

(Applicable from March 2019)

S.No.

Particulars

Charges

1.        

Yearly Membership Fee

0

2.        

Monthly Retail Interest

3.50 Percent

3.        

Monthly Cash Interest

3.50 Percent

4.        

Yearly Membership Fee for Supplementary Card

Free

5.        

Direct Debit Set-up/ Amendment/ Cancellation

Free

6.        

Stopping Direct Debit Payment

AED 50

7.        

Card Replacement Charges

AED 50

8.        

Card Conversion Charges

AED 50

9.        

Sales Draft Copy Charges

AED 65

10.    

Credit Shield Plus Charges

0.82 percent of the outstanding monthly balance

11.    

Life Style Protect Plus Charges

0.79 percent of the outstanding monthly balance

12.    

Processing Fees For Personal Loan

1 percent of the total loan amount minimum AED 500 Maximum AED 2,500

13.    

Loan Cancellation Charges

AED 100

14.    

Loan Rescheduling Charges

AED 250

15.    

Cash Advance Charges

3 percent of the advance amount or AED 99 whichever is higher

16.    

InstaLoan Processing Charges

AED 100

How to Earn Reward Points?

It’s very easy to earn reward points using Citi Simplicity Credit Card. All the cardholder has to do use their credit card to make payments or pay bills. Upon doing so, the cardholder gets rewarded in the form of points as per the applicable terms and conditions.

Please Note- Specific transactions results in enhanced points. 

How to Redeem Reward Points?

The cardholder can accumulate points and redeem them at the partner brands to make most of their money. The partner brands offer attractive discounts so that the cardholder gets to enjoy maximum credit card benefits.

Additional Information- Services offered by Citibank Citi Simplicity Card

Automatic Account Alerts

The cardholder can stay updated about their credit card account activity. They can set up alerts, and the bank will remind the cardholder about their balance level, outstanding payments etc. Additionally, with the help of Citibank Alerting Service, the cardholder gets notified when they exceed their credit limit and buy anything using their card.

Monthly Bill Payment

In case the credit card member holds an account with Citibank, they can log on to the official website of Citibank UAE and pay their credit card bill online by logging on to their internet banking account.

In case they don’t, they can make a deposit at the Citibank ATM in their vicinity.

How to Apply for Citi Simplicity Credit Card?

Thanks to the technological advancement, applying for Citi Simplicity Credit Card is a very simple process. All the cardholder needs is an active internet connection and a laptop/ phone. The cardholder can log on to the official website of Citibank UAE and fill out the application form.

As per credit card experts, one should apply for a credit card after comparing the offered benefits so that they know inside out about the offered benefits by the card. That is where Policybazaar.ae acts as a blessing in disguise. Policybazaar.ae provides a comparison platform that enables the applicants to come across the credit card that suits their credit card needs the most.

The applicant can duly fill in the credit card applications form and submit it. Upon receiving the application form, one out of many credit cards experts will get in touch with the applicant and guide them so that their credit card needs are sorted.    

Citi Simplicity Credit Card Frequent Asked Question

Question 1- Can I opt for a supplementary card for my son?

Answer- Yes. You can opt for a supplementary card for your son. Though, he must be over 13 years of age.

Question 2- What is the eligibility criteria for opting Citibank Citi Simplicity Card?

Answer- Here are the eligibility criteria for opting Citibank Citi Simplicity Card

  1. Annual Membership Charges- Citibank Citi Simplicity Card doesn’t attract any annual membership charges.
  2. Minimum Monthly Income- In order to opt for the card, you must earn a minimum of AED 5,000 on a monthly basis.

Question 3- Are there any additional charges levied by Citibank Citi Simplicity Card?

Answer- No. Be it late payment charges, cash advance fee or over-limit charges, Citi Simplicity Credit card doesn’t charge any additional charges.

Question 4- What is Automatic Account Alerts?

Answer- With the help of Automatic Account Alerts, you can stay updated about your credit card account activities. You can set up alerts, and the bank will remind you about your balance level, outstanding payments etc. On top of that, with the help of Citibank Alerting Service, you can get notified when you exceed our credit limit and buy anything using your card.

Question 5- How can I pay my monthly bill?

Answer- It’s very simple. In case you hold an account with Citibank, you can log on to the official website of Citibank UAE and pay your credit card bill online in a matter of a few seconds by logging on to your internet banking account.

In case you don’t, hold an account with the Citibank, you can make a deposit at the nearby Citibank ATM.

Average Rating / 5 ( reviews)