Citibank Citi Simplicity Credit Card
A no-frills credit card by Citibank with zero annual fee and no rewards program.
Annual feeVAT included
Free
Free
Min salaryfor eligibility
AED 5,000
AED 5,000
FX markupforeign currency
3.14%
3.14%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
Zero annual fee with no spending threshold required to waive it.
Low minimum salary requirement of AED 5,000 per month.
Simple card structure with no complex earn rules or caps.
Watch out for
No cashback or rewards on any spending category.
3.14% foreign exchange markup on international transactions.
No welcome bonus or sign-up incentive offered.
Fees & Conditions
Annual FeeFree
Fee WaiverN/A — always free
FX Markup3.14%
Minimum SalaryAED 5,000/mo
Frequently Asked Questions
Does this card offer any cashback or rewards?
No, the Citi Simplicity Credit Card does not offer cashback, points, or rewards on any purchases. It is designed as a basic payment tool without an earn program.
Is there an annual fee for this card?
No, this card has zero annual fee and no joining fee. There is no minimum spend required to keep the fee waived.
What is the minimum salary to apply for this card?
You need a minimum monthly salary of AED 5,000 to be eligible for the Citi Simplicity Credit Card.
Can I use this card for international purchases?
Yes, but you will pay a 3.14% foreign exchange markup on all transactions made in currencies other than AED. With no rewards to offset this cost, it is not ideal for overseas spending.
Is there a welcome bonus when I sign up?
No, this card does not offer a welcome bonus or any sign-up incentive.