publication
2026-04-03 08:30
Bank Handlowy w Warszawie SA has prepared an attractive offer for new customers called “Great cashback with a Citibank Credit Card – 4th edition”. The main prize in the promotion is a refund for purchases of up to PLN 1,200, and an additional benefit is exemption from card fees in the first year of its use. Below is a comprehensive guide to the details of this offer.
The promotion lasts until May 15, 2026. However, it should be borne in mind that the bank has introduced a quantitative limit to 2,000 concluded Citi Simplicity credit card agreements. If this limit is exhausted before May 15, the bank will inform about this fact on its website and the offer will be ended prematurely.
Who can take part?
The offer is addressed to natural persons (consumers) who are over 18 years of age and have full legal capacity. To get a credit card, you must also meet the bank's minimum financial requirements:
- employed people – minimum PLN 1,200 net income and at least 3 months of employment in the current company,
- people running a business – minimum PLN 2,500 net income and running the business for at least 2 years.
The offer is not available to persons who: had any major credit card with the bank after October 1, 2024, have non-resident foreign exchange status, or are US citizens or tax residents.
You can apply for a Citi Simplicity credit card on this website, APR 18.16% »
How to get the full prize pool – step by step
To make the most of the promotion's potential, several conditions must be met:
- Application submission and documents: During the promotion period, apply for a Citi Simplicity card – e.g. at THIS LINK. Before you sign the contract, you must provide the bank with a clear and current document confirming your income declared in the application.
- After a positive decision and receiving the card (or before receiving its physical form), activate it on the Citibank Online website or in the Citi Mobile application.
- Just by signing the contract under the offer, you get the first prize, i.e. exemption from the annual fee for issuing and servicing the main card in the first year.
- For the first 12 calendar months following the month in which you concluded the contract, you must make non-cash transactions with the card for a total amount of at least PLN 300 per month. These payments cannot be so-called “special transactions” (listed in the Regulations) or returned transactions.
Cashback transfer
For each month in which you spend the required PLN 300, the bank will give you PLN 100 in the form of a credit to your credit card account. This means that the refund amount will directly pay off part of your debt or create an overpayment.
The bank will notify you about the fulfillment of the conditions for a given month by a message in online banking by the end of the following month, and the payment of PLN 100 will appear on the card account within 30 days of this message. Importantly, if in one of the months you forget or fail to spend the required PLN 300, it does not disqualify you from participating in the following months – you will simply lose the bonus for that one specific month. Prizes in the promotion are fully exempt from income tax. On the date of award, your card must be fully active and not in the notice period.
You can apply for a Citi Simplicity credit card on this website, APR 18.16% »
Additional advantages of the Citi Simplicity Card
By using the Citi Simplicity card, you also gain other benefits:
- additional PLN 300 – you can get up to PLN 300 in rewards for successfully recommending the card to your family or friends,
- convenient payments: The card works seamlessly in Google Pay and Apple Pay virtual wallets.
The card will be free after the promotional year if you make transactions of at least PLN 1,000 each month (otherwise the fee will be PLN 12 per month).
Important note – a credit card is a financial instrument, not free cash
Although the promotion tempts with tangible benefits, it requires a responsible and reasonable approach. This type of product brings real savings only if you settle your debt in full regularly, every month. Otherwise, interest may quickly consume the profit from the cashback – the Actual Annual Interest Rate (APR) for the Citi Simplicity card is 18.16%.
Here are some proven and important budget rules you should remember:
- approach the limit as you would your own savings – the amount available on the card is a loan. Avoid spending money if you are not sure you have the funds to repay it,
- automate the repayment process – setting up automatic repayment of 100% of the used balance is the safest step. Thanks to this, you will never miss a deadline and protect yourself from any interest costs,
- avoid ATMs – credit cards are designed for payments in stores or online. Withdrawing cash from an ATM means commission and interest are charged from the first day. Remember that the so-called free loan (interest-free period up to 56 days) applies only to non-cash transactions,
- monitor your budget on an ongoing basis – to have full control, track your expenses on an ongoing basis. In the Citi Mobile application or Citibank Online online banking, you have constant access to the latest history of your operations.
You can apply for a Citi Simplicity credit card on this website, APR 18.16% »
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