Citibank - Citi Simplicity Credit Card

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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.

Features and Benefits 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 and benefits of Citi Simplicity Credit Card:

0 Percent Interest

For the first 6 months, Citi Simplicity credit card charges interest at the rate of zero percent on balance transfer.

No Annual Membership Charges

Citibank Simplicity credit card doesn’t charge any membership charges

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.

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.

Rewards and Offers on Citi Simplicity Credit Card

The Citi Simplicity credit card falls under the category of basic card that is designed and developed to provide cost-effective, efficient services to residents in the UAE looking for a simple card. The card comes with a couple of offers and rewards that will make your shopping and user experience better. Here’s a quick rundown:

  • VoucherSkout: Cardholders can enjoy up to 50% off on food delivery or dine in at more than 500 outlets across the UAE along with 50 VoucherSkout credits that come absolutely free with the credit card.
  • Cashback: Cardholders are entitled to receive 15% cashback for three months on all grocery and fuel spending.

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.

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.

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

FAQs on Citi Simplicity Credit Card

Q1: Can I opt for a supplementary card for my son?

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

Q2: What is the eligibility criteria for opting Citibank Citi Simplicity Card?

Ans: 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.

Q3: Are there any additional charges levied by Citibank Citi Simplicity Card?

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

Q4: What is Automatic Account Alerts?

Ans: 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.

Q5: How can I pay my monthly bill?

Ans: 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.