How to earn points?

1 points

For PLN 5 get 1 point

For Citibank Mastercard World Credit Card payments

2 points

For PLN 5 get 2 points

For credit card payments with the partners in Poland


Get 1000 welcome points

For the first non-cash transaction made with your credit card

Program partners

Making purchases with your Citibank World Mastercard® Credit Card, you get access to discounts at the Partners:

10% discount

10% discount on H&M purchases (no matter how many items you buy).

In order for the discount to be applied, you need to register as the H&M Club member (use the H&M app in App Store or Google Play; once installed, click the H&M Club tab) and show you are eligible for the offer available in the app when paying for the in-store purchase using a Citi Handlowy card.

This offer cannot be combined with any other promotions, discounts or sales and are valid for H&M in-store purchases across Poland only.

PLN 20 voucher

At Douglas perfume shops, you have the right to a voucher for your next shopping. For each PLN 250 spent with your credit card, you will get PLN 20 for your next purchases at Douglas.


7% discount

The discount is offered at commercial outlets of W.KRUK and on the website:

The discount cannot be accumulated with other special offers, it does not apply to wedding rings, Rolex watches or Damiani products, the Amore and Freedom collections, or jewelry manufactured on an individual order (with a non-standard size, size of the stone, color, and analogous changes in the parameters).

How to get the discount?

At commercial outlets of W.KRUK - inform the sales representative of your willingness to use the offer for cardholders.

On - when placing an order, please enter the first 6 digits of your Citibank Mastercard Credit Card in the "DISCOUNT CODE" field in your basket.

Extra drink or dessert

Special offer for the card holders

If you order for a minimum of PLN 20 and pay with the card, you get a hot drink or dessert for free. Please remember to inform the waiter before you pay that you are interested in the offer.

Remember! Before making a payment inform the salesman on the willingness to benefit from the offer for the card owners.

Reward Calculator

Enter your monthly spending at individual partners. For PLN 5 spent with the credit card at the partner, you get 2 points. The score also includes the welcome points for the first transaction worth 1,000 points.

Monthly spend at Partners:

Other monthly sending:

Totally monthly spend:


You earned
points during 12 months

Reward Catalogue

Choose your favorite category and reward yourself.

Choose the range of points for finding rewards:



Or sort out vouchers by

PLN 10 voucher on Douglas purchases
PLN 20 voucher on Douglas purchases
PLN 50 voucher on Douglas purchases
PLN 100 voucher on Douglas purchases
PLN 10 voucher on H&M purchases
PLN 20 voucher on H&M purchases
PLN 50 voucher on H&M purchases
PLN 100 voucher on H&M purchases
PLN 25 voucher
PLN 50 voucher
PLN 100 voucher
PLN 50 voucher to W.Kruk
PLN 100 voucher to W.Kruk
PLN 200 voucher to W.Kruk
PLN 250 voucher to W.Kruk
PLN 50 cash back into your account
PLN 100 cash back into your account
Monthly fee – one-time primary card monthly fee exemption


Find out about solutions that will make sure using your credit card is safe.

3D Security

Verified by Visa/Mastercard Secure Code – additional security for your online transactions. In order to authenticate your online purchases, you will be asked to enter the code that will be sent to your mobile phone.

EMV Chip

Citibank Credit Cards are microchip embedded cards. Your transactions at merchants are authorized by entering your unique PIN.


CitiAlerts Package includes SMS and email alerts as well as credit card bill payment reminders. Check here what else comes with CitiAlerts.

Suspicious Operations

Thanks to the warning system, we are able to identify any suspicious operations on your credit card and then check them with you.


If you paid with your credit card for the service that was not delivered (e.g. a trip), you can report this fact to us and we can initiate the chargeback proceedings on your behalf.


Citi Specials - Benefit program

Discounts, rewards, surprises – this is what is waiting for you in Citi Specials.
Let yourself feel a bit more special with Citi Specials – Benefit Program that comes with all the priviledges available with your card:

Up to 50% discounts

Enjoy up to 50% discounts with nearly 300 partners at almost 5,000 in-store and online merchants.

Rewards for transactions

Pay with your Citi Handlowy World MasterCard, earn points and redeem them for rewards.

Surprises and special offers

Keep checking limited offers and surprises at the www or in your inbox.

Codzienne finanse
Apple Pay

Add your card to Apple Pay.
Convenient payments at your fingertips.

Check it out
Codzienne finanse
Google Pay

All you need now is your phone.

Add your Citi Handlowy Mastercard® card to the Google Pay app and shop with your phone:

  • contactlessly - the same way as you shop with your plastic card
  • online, wherever you see the “Pay with Google Pay” icon.
Find out more

Representative example for Citibank World Mastercard Credit Card: