Citi Simplicity Credit Card
Citi Simplicity Credit Card is a no annual fee card with no late fee, cash advance fee or overlimit fee, designed for simple credit card usage.
Overview
- ✓No annual fee, late payment fee, cash advance fee or overlimit fee- ever.
- ✓Talabat: 20% discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use code “MASTERCARD” at checkout
- ✓Cash loan on card at a click of a button from Citi Mobile® app (subject to eligibility)
- ✓Turn big purchases into smaller monthly instalments at a click of a button from Citi Mobile® app
- ✓Airport Lounges: Access to 25+ lounges across the Middle East via MasterCard Travel Pass app (T&Cs apply)
- ✓Complimentary supplementary cards for your family members
Eligibility
- ✓Minimum monthly income: AED 5,000. Applicant should be 21 years old or above. Approval is subject to Citi policy, credit checks and documentation.
Fees & Charges
Top Benefits
Dining
Dining discounts and restaurant privileges.
Lifestyle
Benefit available as per bank terms and conditions.
No Annual Fee
Benefit available as per bank terms and conditions.
No Cash Advance Fee
Benefit available as per bank terms and conditions.
No Late Payment Fee
Benefit available as per bank terms and conditions.
No Overlimit Fee
Benefit available as per bank terms and conditions.
Shopping
Benefit available as per bank terms and conditions.
No annual membership fee
No late payment fee
No cash advance fee
No overlimit fee
Simple paperless online application
Lifestyle and Mastercard offers subject to terms
Documents Required
- ✓Valid Emirates ID
- ✓Passport and valid UAE visa copy
- ✓Salary account IBAN number
- ✓Passport number
- ✓Additional documents may be requested by Citi during the application
Creditcardfinder Score
Score based on Good overall value, accessible salary eligibility, low annual fee, reward/cashback value, multiple selected benefits. Final approval and card terms remain subject to bank policy.
About Citi Bank
Citi Bank UAE is part of one of the world’s leading financial institutions, offering premium banking services and globally recognized products. In the UAE, Citi is known for its strong focus on affluent customers, international banking convenience, and high-value financial solutions. The Citi Bank UAE credit card range includes cards tailored for travel, rewards, cashback, luxury lifestyle benefits, and everyday spending. Many Citi credit cards are popular for features such as airport lounge access, reward points, dining privileges, hotel offers, and travel-related benefits. Whether you are a frequent traveller or someone looking for premium lifestyle perks, Citi Bank UAE offers cards designed for different income levels and spending preferences. On this page, you can explore and compare the latest Citi Bank UAE credit cards to find the right option based on annual fees, eligibility, rewards, and lifestyle benefits.
FAQs
Who should choose the Citi Simplicity Credit Card in UAE?
The Citi Simplicity Credit Card is suitable for UAE residents who want a simple, low-fee credit card with no annual membership fee, no late payment fee, no over-limit fee, and no cash advance fee, instead of focusing mainly on cashback or rewards.
Is the Citi Simplicity Credit Card really free for life?
Yes, the Citi Simplicity Credit Card comes with no annual membership fee, making it a good option for customers who want a credit card without yearly renewal charges or minimum spend conditions.
Does the Citi Simplicity Credit Card offer cashback or rewards?
The Citi Simplicity Credit Card is not mainly designed as a cashback or rewards card. Its main value is fee savings, simple usage, balance transfer benefits, and selected lifestyle offers such as Talabat discounts.
Is Citi Simplicity a good card for balance transfer in UAE?
Yes, Citi Simplicity can be useful for customers looking for a balance transfer option, as Citi offers 0% interest on balance transfers for 6 months, subject to bank approval and applicable terms.
What should I check before applying for the Citi Simplicity Credit Card?
Before applying, check your monthly salary, credit history, existing debt burden, and repayment ability. The card has no late payment fee, but finance charges may still apply if you carry unpaid balances, so it is best for users who want simplicity and can manage repayments responsibly.
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