Citi Bank Simplicity Credit Card

  • Minimum Salary AED 5,000
  • Salary Transfer No
  • Islamic No
  • Cashback No
  • Annual Fee 0
  • Rate


The Citi Simplicity Credit Card has No annual fee, late payment fee, cash advance fee or overlimit fee, ever.

It is designed to be easy to use taking into account your basic lending requirements. Simpler terms, no hassle.


Financial Features:

Annual Fees: Free

Minimum Salary Requirement: AED 5,000

Retail Interest Rate: 3.50% will be charged on the outstanding amount on monthly basis after 52 days interest-free period

Foreign Currency Transactions Rate:  2.99% per month; Applicable to oversees transactions only

Balance Transfer Fees: Balance transfer at 0% rate of interest for 6 monthly instalments. One time processing fee of only 3% of the BT amount.  No pre-closure fee.

Repayment Period: 22 Days from statement date

Purchase Protection: Yes

Other Features:

  • No Annual Membership Fee - Ever
  • No Late Fee - Ever
  • No Cash Advance Fee - Ever
  • No Over Limit Fee - Ever


Travel Benefits:

Airport Lounge Access: Access to selected airport lounges in the Middle East

Travel Medical Insurance: Complimentary Travel Insurance and Purchase Protection

Miles Program:  No


Leisure and Entertainment benefits: 

Dining Privileges: Over 500 dining & entertainment discounts

Other Features:

  • Hundreds of buy 1 get 1 offers across hotels, dining, spas, leisure & entertainment in cities throughout the Middle East & Africa with the Buy 1 Get 1 app from MasterCard  
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members

Documents Required

  • Valid Passport & Visa Copy.
  • Emirates ID copy.
  • Salary Certificate addressed to Citibank.
  • 3-month Salary bank statements.

Additional Info

All info mentioned can change at any point in time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change.

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