The Citi Simplicity Credit Card offered by Citibank offers customers access to a world of benefits like exclusive discounts and special offers. It also affords them the opportunity to avail from a long list of features that are exclusive to this card. Some of these features include facilities like no membership fee, or late payment fee or cash advance fee, 0% easy instalment plans and much more.
Features of the Citibank Citi Simplicity Credit Card
Annual Fee:There is no annual fee charged for this card. Even the supplementary cards taken on this card will be free of annual fees.
Interest Rates:The interest charged on the card for both retail purchases and cash advances will be 2.99% per month.
- Credit Period: The payments that need to be made towards this card are required to be paid by the due date mentioned on the statement of account. However, if there is a delay in making the payment, the card does not charge a lay payment fee.
- Cash Advance: You will have access to a part of your credit limit as cash, which you can withdraw whenever you need it.
- Cash withdrawals: There is no fee charged for cash withdrawal transactions.
- International transactions: International transactions or transactions conducted in foreign currencies will attract a charge of 2.99%.
- Anyone who is over the age of 21 years, has a salary of at least AED 5,000 and is either a UAE national or a permanent resident can take this card.
- For extra security the card offers features like chips, pins and 3D secure passwords to ensure your card is not misused.
- Taking the card also means that you get access to mobile and internet banking facilities that help ensure that you can manage your card with ease.
- It also provides you with balance transfer facilities for which you will not be charged any interest if the tenor of the transfer is 6 months.
Benefits of the Citibank Citi Simplicity Credit Card
The benefits offered by this card range from special discounts to 0% instalment plans meant to make shopping more convenient for you.
- Instalment Plan: The card comes with an easy instalment plan that allows you to pay back any expense exceeding AED 200 into instalments over a period of up to 48 months. The interest charged is calculated based on the reducing balance and can range from 20.58% per annum to 23.51% per annum.
- The card comes with a Zero Loss Liability feature which exempts you from having to pay for any unauthorised charges on your card.
- It can be used to pay for utility bills like electricity, water, telephones, etc.
Citibank Citi Simplicity Credit Card Rewards
The card offers discounts up to 40% when you shop at select stores. Other discounts offered by it range from 10% to 35% across things like dining, travel, leisure, lifestyle and health. What’s more, these special offers and discounts are not limited to the UAE. You can avail them in over 30 different countries.
All the features and benefits provided by this card have been designed to make sure that when you shop with this card, you do so with complete peace of mind and are able to enjoy lots of discounts.