In exchange for spending PLN 1,000 per month with the card, you can receive the latest Apple Watch SE without additional fees for three months. You can shop anywhere – from grocery stores, through gas stations, to the Internet (e.g. subscriptions). The prize is guaranteed to anyone who meets the conditions.
Citi Handlowy presented this proposition to its clients. It offers the latest Apple Watch SE, which can be used to make contactless payments, measure sports activities or control your phone. After obtaining a Citi Simplicity credit card, you must make at least 10 transactions for a total amount of at least PLN 1,000 within the first three months.
If you meet these conditions, the bank will send you the watch in the fourth month.
The card is free of charge in the first year of use, and the card agreement can be terminated at any time. So you can grab the Apple Watch and close the card. There are no interest costs associated with servicing it, if you repay the money spent during the interest-free period. In other words: you spend PLN 1,000 a month, make a transfer from the account to the card account and “fill up” the debt. You repeat three times and receive the smartwatch.
Is a thousand zlotys for shopping a lot?
For the average household – no. One car refueling a month costs around PLN 300. Grocery shopping on Saturday – another few hundred zlotys. A subscription to Spotify, Netflix, iCloud, YouTube Premium, Disney+ or other streaming services costs another several hundred zlotys. You can also pay your household bills by card. As a result, meeting the promotion conditions does not seem too high.
Apple Watch SE 3 Its market premiere took place in September 2025. So it is a new device, not stock equipment. This is a watch from the “jack of all trades” series. You can use it to measure the effects of exercise, handle notifications, make contactless payments, and even predict ovulation. The company assures that the battery will last up to 18 hours, and in low power mode – up to 32 hours. You can check the details on the Apple website.
Promotion only on Bankier.pl
To collect the watch, you must first register for the promotion at THIS LINK. After submitting an application for a card and receiving a positive decision, you can basically start shopping immediately – the virtual card can be connected to Apple Pay and Google Pay without waiting for the plastic. It is also worth signing up for the Mastercard Priceless Moments program, as it offers an additional bonus of PLN 300 in vouchers.
“Keep up with autumn with a Citibank Credit Card” promotion lasts until November 12, 2025 or until the limit of 500 concluded contracts is exhausted. The order of applications counts. The conditions are described on the action page. Registration is only possible via the Bankier.pl reader channel.
You can apply for a credit card in the promotion with Apple Watch SE 3 here, APR 19.91% »
What do you have to do to claim the prize? Step by step instructions:
- In the first month after concluding the contract, you make at least five transactions for a total amount of at least PLN 300 and receive 4,000 points.
- In the second, third and fourth month, you make at least ten transactions a month for a total of at least PLN 1,000 and receive an Apple Watch SE 3 with a list value of PLN 1,099.
- In the fifth, sixth and seventh month, you make at least five transactions each month for any amount and earn another 12,000 points.
- After a year, if the card is still active and has not been terminated, another 8,000 points will be added. This gives you a total of 24,000 points, which you can exchange for vouchers worth PLN 300 to popular stores.
Interestingly, the current point conversion rate in iSpot is 4,000 points. = PLN 100. However, this reward can only be used once and the promotion period is also limited to January 30, 2026.
You can apply for a credit card in the promotion with Apple Watch SE 3 here, APR 19.91% »
What else is worth knowing?
- If you had any major credit card from Citi after October 1, 2024, you will not be eligible for the promotion – it is for “new customers”.
- The bank will inform you about the fulfillment of the reward conditions via the Citibank website no later than the end of the month after the month of meeting the thresholds.
- Apple Watch SE 3 is expected to be shipped within 45 days of the award announcement. Points are also credited within 45 days of notification.
- Failure to meet the requirement in any month disqualifies you from a given stage prize (e.g. failure to meet the required level in February invalidates the smartwatch, even if December and January were “plus”).
- Points expire after six months if you do not use them.
- Prizes are not exchangeable for cash and cannot be transferred to another person.
For whom does this make sense…
The promotion rewards regular card payments and fits well into everyday expenses spread over several months. If you still pay for purchases, bills or fuel by card, the thresholds can be met without artificially increasing the turnover. However, if your non-cash spending tends to be irregular, you risk losing your stage reward (especially your smartwatch) for a bad month.
… and for whom there is none
The card is unconditionally free for the first year. In the following years, it will cost PLN 12 per month, but this is a conditional fee. To avoid it, you need to spend at least PLN 1,000 a month. You can also close the card and not use it.
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.
You can apply for a credit card in the promotion with Apple Watch SE 3 here, APR 19.91% »
Benefits of using credit cards
When used wisely, a card can bring a number of benefits.
- You use the bank's money and do not have to block your own money (as in the case of deferred payments). If you repay the debt within the interest-free period, you do not incur any costs of using the card. The interest-free period is up to 56 days.
- Thanks to the card, you can learn how to plan your expenses because you can see everything on your statement and you won't miss anything like when paying in cash.
- The card gives you access to lower interest installment transactions. Any transaction over PLN 100 can be divided into installments, which is slightly cheaper than regular card repayment (APR is 17.81% vs. 19.91%).
- You gain access to discounts of up to 50 percent, vouchers and surprises from the bank's partners (e.g. 10 percent discount in the restaurant program). The bank's customers also have access to the Mastercard Priceless Moments Program, in which rewards are received for card transactions.
- You are protected by chargeback. In case of problems with obtaining goods or an incorrectly completed order, the bank helps to recover money from the seller. Blik, for example, does not offer such protection.
- The card helps build creditworthiness. If you are planning to take out a home loan in the future, a systematically repaid card may be proof that you understand your finances and have control over your loans.
“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. We analyze the latest offers, explain the tricks and suggest the easiest way to win the prize.
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