Fees and Charges

Annual Membership* is AED 0

Retail Interest Rate per month is 3.50%

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Eligibility

Your minimum income should be AED 5,000 per month.

Benefits

Within the first 3 months of opening your new Simplicity Card, you can transfer balances from your other cards at no interest for a tenor of 6 months. You will be charged a service fee of 3% of the amount transferred. To book call our 24-hour Citiphone Banking Service on 04 311 4000. For all other tenors, the interest rate and fees are in our Schedule of Fees and Charges.

Supplementary Cards

Unlimited supplementary cards for your family members. You don’t have to pay any additional fee and can choose the spending limit on each card.

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Airport lounge access

Holders of Simplicity MasterCard and their supplementary card holders get unlimited lounge access in selected airport lounges across the Middle East.

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Buy 1 Get 1 Offers

Hundreds of buy 1, get 1 free offers across hotels, dinning, spas, leisure & entertainment in cities throughout the Middle East & Africa. Download the Buy 1, Get 1 Free App from MasterCard and register your card to start exploring offers today!

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Peace of mind

The new Citi Simplicity Credit Card has been designed to be easy to use, straightforward and refreshingly uncomplicated. Instead of multiple fees and penalties on your credit card, Citi Simplicity gives you peace of mind:

  • No Annual Membership Fee* - Ever
  • No Late Fee - Ever
  • No Cash Advance Fee - Ever*
  • No Overlimit Fee – Ever

Dining Privileges

Gourmet Pleasures from Citi is our mouthwatering dining program. Enjoy up to 20% discount at select restaurants. Browse through the whole selection now.

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Services

Automatic Account Alerts

To stay informed about your account activity, set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit and every purchase made with your card through the Citibank Alerting Service.

Monthly Bill Payment

If you hold an account with Citi, please visit www.citibank.ae and pay through Citibank Online; or make a deposit at a Citi ATM. We now accept payments even without your Citi Credit Card. Visit www.findmyciti.com/ae to see ATM locations.

For all services click here

Please select your choice of welcome gift:

Online Cashback offer
Apply online and get up to AED 600 to spend on your new card. T&Cs apply.

Select Offer

Disclaimer

5% VAT applicable over and above the annual fee

*No Cash Advance fee will apply to withdrawals however interest of 3.50% per month will be applied from the day of the cash withdrawal until the full repayment of the Cash Advance amount along with its accrued interest. In case you make a partial payment against your Simplicity Credit Card outstanding, please be aware of the payment allocation order detailed in Clause D(1) (4.12) of the General Terms and Conditions due to which interest on Cash Advance outstanding amount may still be charged.
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. 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. All offers are made available on best effort basis & at sole discretion of Citibank N.A.

TERMS AND CONDITIONS

• This offer is applicable only for customers who submit a lead through the online cashback campaign, successfully get approved for a credit card and meet the minimum retail spend requirements listed below.
• The offer is available from November 19th, 2017 until June 30th, 2018.
• Customers who get successfully approved for a credit card and meet the minimum retail spend requirement will get the cashback credited into their card account directly as statement credit.
• The offer is applicable for all credit cards (except Citi Simplicity and Citi Rewards card) being offered during the promotion period.
• Existing Citi credit card customers and Citibank's staff are not eligible for this offer.
• Customers who have cancelled a Citi credit card within the last 48 months are not eligible for this offer.
• Citibank reserves the right, at its absolute discretion, to vary, delete, add or suspend the above offer without prior notice.
• This offer will not be available in conjunction with any other sign up offers/promotions
• All Credit Cards are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a credit card is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification
• Citibank Terms and Conditions apply. They are subject to change and are available upon request. For the current Terms and Conditions please visit www.citibank.ae
• The customer has to read and acknowledge all the Terms & Conditions listed on the registration page before applying • 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 partner(s)/ other entity(ies).
• In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
• 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.
• Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer, with or without any reason • Citibank reserves the right, at its absolute discretion, to vary, delete or add to any of these terms and conditions from time to time, without prior notice.
• 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 NA 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.

Minimum retail spend requirement
• For the new customers approved under this program, the cashback will be awarded upon meeting minimum retail spend requirement on the card within 90 days after the card has been approved.
• To be eligible for the offer, minimum spends requirements needs to be fulfilled as per card type within 3 months:
  • EK Ultima: AED 25,000
  • EK Ultimate: AED 20,000
  • EK World: AED 10,000
  • Prestige: AED 20,000
  • Premier: AED 20,000
  • Rewards: AED 10,000
  • Cashback: AED 10,000
  • Simplicity: AED 5,000
• Cash Withdrawal, payment of AMF, financial charges and bank fees will not be considered as part of the spend criteria specified above. Only retail spend related transactions will be eligible for being considered as eligible spend for this campaign.
• The customer is not eligible to receive the offer even if they meet the spend criteria but fail to make any minimum payments due against their Card during the 90 days period.
• Customers shall not be on any payment block to avail the above Offer at the time of offer fulfillment.
• The cashback will be awarded within 30 business days after the 90 day period as a statement credit if the customer is eligible under the above mentioned conditions.

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