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Citi Simplicity Credit Card

Citibank UAE

Citi Simplicity Credit Card has no annual fee, according to Citibank UAE. The bank asks for a minimum monthly salary of AED 5,000.

Go to the bank's page
Checked against the bank's own pages on 27 Sep 2026. Apply opens the bank's own site.
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.69%44.28% a year
Foreign fee2.99%

Benefits the bank lists

  • No annual fee, no late fee, no cash advance fee, no over-limit fee - ever
  • 0% interest on balance transfers for 6 months
  • 20% instant discount (up to AED 14) on Talabat grocery and food orders once a month
  • Easy Installment Plan and instant cash loan

Questions people ask

What is the annual fee for the Citi Simplicity Credit Card?

Citi Simplicity Credit Card has no annual fee, according to Citibank UAE.

What salary do I need for the Citi Simplicity Credit Card?

The bank asks for a minimum monthly salary of AED 5,000.

What is the interest rate on the Citi Simplicity Credit Card?

The interest rate on purchases is 3.69% a month, which is 44.28% a year.

Does the Citi Simplicity Credit Card charge a foreign transaction fee?

Purchases in a foreign currency carry a fee of 2.99% of the amount.

Fee conditions

No annual fee - ever

Notes from our check

Citi's product page gives a minimum salary of AED 5,000; its Key Facts Statement (July 2026) gives AED 8,000. We show the product page figure.

Sources

Where a bank does not publish a figure, we leave it blank instead of guessing.

Other cards from Citibank UAE

Citi Cash Back Credit CardCitibank UAE
Annual feeAED 315incl. VAT
Min. salaryAED 8,000
Monthly rate3.69%
Foreign fee2.99%
3% non-AED, 2% grocery, 1% everything else
Citi Rewards Credit CardCitibank UAE
Annual feeAED 315incl. VAT
Min. salaryAED 8,000
Monthly rate3.69%
Foreign fee2.99%
1.5 ThankYou Points per USD 1 on grocery & non-AED spend
Citi Premier Credit CardCitibank UAE
Annual feeAED 787.5incl. VAT
Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee2.99%
3 ThankYou Points per USD 1 on dining, fuel & grocery
Citi Prestige Credit CardCitibank UAE
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%
Foreign fee2.99%
3 ThankYou Points per USD 1 on non-AED spend
Citi Ultima Credit CardCitibank UAE
Annual feeAED 3,150incl. VAT
Min. salaryAED 36,750
Monthly rate3.69%
Foreign fee2.99%
5 Citi Miles per USD 1 on non-AED spend