The new Citi Simplicity Credit Card is designed to be easy to use. Instead of multiple fees and penalties on your credit card, Citi Simplicity gives you peace of mind. If you miss a payment date, there are no late fees. If you choose to withdraw cash using your Citi Simplicity Credit Card, there will be no cash advance fees.

  • No annual membership fee
  • No late fee
  • No cash advance fee
  • No over limit Fee
  • Unlimited lounge access in selected airport lounges across the Middle East
  • 0% interest balance consolidation for a period of 6 months only. 1% processing fee applies
  • The balance transfer fee is 1% of the balance transferred
  • The foreign currency rate applicable on overseas transactions is 2.99% per month
  • Dining and shopping benefits
Unique Features
  • No annual membership fee - Ever
  • No late fee - Ever
  • No cash advance fee - Ever
  • No over limit fee - Ever
  • Unlimited lounge access in selected airport lounges across the Middle East
Additional Info


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 Citibank website. 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. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the Citibank website. 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.

Representative Example

If you spend AED 1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).