Card Services
Citi Simplicity Credit Card
The credit card that
keeps it simple
Simpler terms, no hassle with Citi Simplicity Credit Card
No extra fees
No Annual fee, No late fee, cash advance fee or over limit fee - Ever
Talabat
20% instant discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use promo code “MASTERCARD” at checkout.
Top 3 Citi Simplicity Credit Card Benefits
Easy Installment Plan
Turn any big purchase into small payments
Cash Loan
Instant cash at a click of a button
Citi Promotions
Enjoy Local discounts and offers on dining, online shopping and entertainment
Freedom to do more with the new
Citi Mobile® App
Apply for Citi Simplicity Credit Card and unlock the easiest credit experience
Citi Simplicity Credit Card Requirements
Get a new Citi Simplicity Credit Card from your phone or computer in an easy, paperless signup process
Your minimum income should be AED 5,000 per month
Age 21 or older
- Eligibility and documents required for all nationalities
- Age: 21 years old or above
- Minimum monthly income of AED 5,000
- Required documents: valid Emirates ID, Passport and valid UAE Visa copy.
- Important Information: both Salary account IBAN number and Passport number will be needed during the application
Frequently Asked Questions
The Citi Simplicity Credit Card is designed to offer cardholders a hassle-free experience. Unlike many typical credit cards, it has no annual fee, overdue payment fee, cash advance fee, or over—limit fees.
To apply for this Simplicity Credit Card, cardholders must be at least 21 years of age with a minimum monthly income of AED 5,000. Required documents include a valid Emirates ID, passport, UAE visa copy, and salary account IBAN. The application process is digital and paperless.
Applications can be completed quickly online through a mobile phone or computer. The process is simple, paperless, and requires valid documents. With no annual fee and added benefits, the Simplicity Credit Card is an excellent choice for those seeking ease and value. To get started, simply apply online for the Citi Simplicity Credit Card here and enjoy a hassle-free application experience.
Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.
Terms and Conditions
- 5% Value Added Tax (VAT) applicable over and above the annual fee
- Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.
- Click here to view fees and charges.
No Annual Membership Fee – Ever
Copyright © 2025 Citigroup Inc.
Terms & Conditions:
I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank N.A. Citibank N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank N.A. from and against any losses, claims and/or liabilities incurred by Citibank N.A. as a result of having relied on such information. Citibank N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information.
Citibank.ae provides information about, and access to accounts and financial services provided by Citibank N.A. – UAE branch in the United Arab Emirates. It does not, and should not be construed as, an offer, invitation or solicitation of services outside of the United Arab Emirates. This website is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this website are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation.
Citibank is service mark of Citigroup Inc. or Citibank N.A., used and registered throughout the world.
Citibank N.A. UAE is registered with Central Bank of UAE under license numbers BSD/504/83 for Al Wasl Branch Dubai, 13/184/2019 for Mall of the Emirates Branch Dubai, BSD/2819/9 for Sharjah Branch, and BSD/692/83 for Abu Dhabi Branch. Tel.: 04 311 4000.
Citibank N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) Financial Consulting, Introduction and Promotion under license number 20200000097 B) Trading Broker in International Markets under license number 20200000198 C) Portfolios Management under license number 20200000240 D) Custody under license number 602003.
Copyright © 2025 Citigroup Inc.