publication
2026-04-14 14:12
update
2026-04-14 14:26
The conditions are clear: for three consecutive months you must spend at least PLN 1,000 with the card in at least 10 transactions per month. In return, the bank sends an Apple Watch SE 3 smartwatch worth approximately PLN 1,099. Hook? The prize pool is only 500 watches.
Citi Handlowy has launched another edition of the promotion with the Citi Simplicity credit card. The campaign is valid until May 10, 2026 or until the pool of 500 card contracts is exhausted – whichever comes first. To take advantage of the offer, submit an application via THIS LINK, activate the card in the Citi Mobile application or on Citibank Online and start making regular payments. Before the bank delivers the physical plastic, you can already use the virtual version of the card – via Apple Pay or Google Pay.
The offer is only available to new customers who do not have a Citi primary credit card. The granting of the card depends on a positive assessment of creditworthiness.
What needs to be done step by step?
After submitting the application and signing the contract, the clock starts ticking. In the first, second and third month following the month of concluding the contract, at least 10 non-cash transactions for a total amount of at least PLN 1,000 must be made in each of these months. All three months must meet this condition – missing one month eliminates the main prize.
Once the conditions are met, the bank sends the watch by post. In the following months (4-6), only 5 transactions for a minimum of PLN 300 will be enough – in return, the card account will be credited with the amount of PLN 200. On the anniversary of having the card (month 12), if the card is active and beyond the notice period, the bank adds another PLN 100 refund.
In total, you can collect a watch worth approximately PLN 1,099 and PLN 300 in cash on the card account – divided into two stages.
You can apply for a Citi Simplicity card, on sale with Apple Watch SE 3, on this website, APR 18.16% »
What counts as a transaction?
The regulations include only non-cash card transactions – excluding special transactions and refunds in accordance with the credit card regulations. It's about real payments at merchants, not quasi-cash operations. ATM withdrawals, transfers or BLIK operations carried out via the card account do not count.
What is worth paying attention to?
The pool is 500 contracts – the offer may end earlier than May 10, 2026, especially since Citi Handlowy organizes similar campaigns periodically and they are very popular. The card is unconditionally free for the first year. From the 13th month, the fee is PLN 12 per month, but you can avoid it – just spend at least PLN 1,000 per month with the card, which is exactly the amount required during the promotion.
The card gives access to an interest-free period of up to 56 days, the possibility of splitting transactions over PLN 100 into installments (up to 60 months, without formalities, APR of 15.50%) and chargeback protection – i.e. the possibility of recovering the money by the bank if the seller fails to fulfill the contract. This protection is not provided by, for example, BLIK. The card also includes access to the Mastercard Bezcenne Chwile program and discounts under Citi Specials.
You can apply for a Citi Simplicity card, on sale with Apple Watch SE 3, on this website, APR 18.16% »
Who does this promotion make sense for…
For people who regularly pay for purchases, bills or fuel by card – the thresholds of 10 transactions and PLN 1,000 per month are then achievable without artificially increasing turnover. If such expenses are planned anyway, the watch appears with virtually no additional effort.
…and for whom not
If non-cash expenses are irregular or lower than PLN 1,000 per month, the risk of losing the main prize is real – one weaker month in the first three months ruins the watch. It is also worth remembering not to submit an application “on trial” without the intention of actively using the card throughout the year.
As usual, I would like to remind you that a credit card is a product for financially disciplined people. It should not be used by people who have a disregard for spending money. Any unpaid balance generates interest (APR 18.16%), which will quickly consume the value of each prize.
“We X-ray Promotions” is an original series of articles in which the editors of Bankier.pl suggest how to make money on bank accounts and credit cards. We analyze the latest offers, explain the tricks and suggest the easiest way to win the prize.
You can apply for a Citi Simplicity card, on sale with Apple Watch SE 3, on this website, APR 18.16% »
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