publication
2026-03-12 08:46
A credit card that, instead of costing money, allows you to recover PLN 1,200. It sounds like a marketing gimmick, but in the case of Citi Handlowy's current offer, this is actually the case. After meeting simple activity conditions, you can receive PLN 100 per month in Allegro coupons.
Citi Handlowy offers new clients the opportunity to win up to PLN 1,200 in the form of Allegro gift cards – PLN 100 per month for the first 12 months from the conclusion of the contract.
The conditions are simple:
You meet both conditions in a given month – you get PLN 100 for Allegro. You can collect a total of PLN 1,200 for a year.
The offer is valid until May 15, 2026 or until the pool of 1,000 card contracts is exhausted. Considering the second border, it is worth not delaying.
You can apply for a Citi Simplicity credit card on this website, APR 18.16% »
What else does the Citi Simplicity Card offer?
In addition to the starting bonus, the card has several practical features:
- PLN 0 for issuance and use – for the first 12 months, the monthly fee is PLN 0. After a year, it is still PLN 0, as long as your monthly card expenses exceed PLN 1,000. Otherwise, the bank charges PLN 12 per month.
- Up to 56 days without interest – standard interest-free period for non-cash transactions. As long as you pay the entire balance on time.
- Immediate installments – each transaction over PLN 100 can be divided into up to 60 installments directly in the application (APR 15.50%)
- An additional PLN 300 for a recommendation – if you recommend the card to a friend who meets the conditions of the selected special offer, you get another PLN 300 reward.
- Google Pay and Apple Pay – the card works in both digital wallets.
- Mastercard Priceless Moments program – additional rewards for transactions.
How to submit an application?
The process is fully online:
1. Complete the application at THIS LINK
2. Take a photo of your ID card and a selfie (ID verification).
3. Provide documents proving your income.
4. If the decision is positive, the card will arrive by post, but you can activate the electronic version in the Citi Mobile application before receiving it physically.
You can apply for a Citi Simplicity credit card on this website, APR 18.16% »
A word of warning: a credit card is a tool, not a gift
The promotion is attractive – provided you use the card wisely. A credit card only makes money if you pay off the balance in full each month. If you don't do this, the interest quickly eats up the value of the bonus. The bank states that the card's APR is 18.16%.
A few rules worth remembering:
- Treat your credit limit like your own money. If you don't have the money to repay, don't spend.
- Set up automatic payment of your full balance. This eliminates the risk of forgetting about the deadline.
- Don't withdraw cash from your credit card. Commissions and interest are calculated immediately, without an interest-free period.
- Track your expenses. The Citi Mobile application shows transaction history in real time.
PLN 300 of monthly card expenses (the minimum amount to meet the promotion conditions) is an amount that can be easily achieved by people who pay for groceries, fuel or bills with a card. There is no need to increase your expenses – just change the payment method.
The Citi Simplicity offer is one of the most specific welcome bonuses on the credit card market. PLN 1,200 to Allegro for a year of normal card use – with no additional fees if you pay off the balance – is a real value.
If you have already considered a credit card and manage your budget responsibly, it is worth taking a closer look at this proposition. However, if you tend to spend more than you plan or sometimes postpone repayments, think twice.
The card is a tool. Its usefulness depends on how you use it.
You can apply for a Citi Simplicity credit card on this website, APR 18.16% »
The publication contains affiliate links.
