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  • Success High insurance sums payable;
  • Success Insurance premiums taken automatically from your credit card account.


  • Success Cover against death works all over the world.
  • Success No additional medical tests required

If you are interested in insuring your Credit Card, just log in to Citibank Online and go to the "Manage card" tab where you can enter into an Insurance Agreement within a few minutes. You can also contact us by phone to insure your Credit Card.

Protect yourseld with credit shield

CreditShield Standard

Insurance is voluntary and has no impact on the credit decision.

Insurance coverage monthly fee depends on the amount of the used credit card limit - it is 0.36% of your Citibank Credit Card debt balance as of the statement date.

CreditShield Standard provides coverage against the following incidents:

  • Success Death of the Insured;
  • Success Temporary Inability to Work of the Insured for individuals who are professionally active when such insurance event occurs, for others - hospitalization as a result of Illness or Accident;
  • Success Critical illness cover (heart attack, malignant tumor, stroke);

Insurance provides coverage for as long as you are the Citibank Credit Card client, with the insurance agreement being concluded for the period of 12 months and then being automatically renewed on the same terms until the end of the insurance agreement.

CreditShield Standard Insurance

Scope of Insurance Insurance Payments
Temporary Disability or Hospitalization (for professionally inactive clients) Insurance Payment amounts to 10% of the outstanding balance (according to the last credit card statement generated before the incident) for each 30 days of documented Temporary Disability (or Hospitalization) for a maximum of 360 days.
Serious Medical Condition (heart attack, malignant tumor, stroke) 300% of the average outstanding balance calculated based on the three consecutive credit card statements generated directly before the incident.
Death of the Insured

Important informations

CreditShield Standard coverage is provided by Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie S.A. with registered office in Warsaw, 12 Topiel Street, 00-342 Warsaw.

For the General Terms and Conditions of the CreditShield Standard Insurance, including the full list of the exclusions of the Insurer’s liability, please read the General Terms and Conditions of CreditShield Standard Insurance, as well as the CreditShield Standard Product Card. The Insurer may refuse to pay out the insurance benefit in the events referred to in the General Terms and Conditions of the CreditShield Standard Insurance, e.g. in the event of committing a suicide by the Insured within 12 months following the commencement of the coverage period. The documents are available in the Important Documents section below and at Citi Handlowy branches.

Client may withdraw from the insurance agreement within 30 calendar days following the day on which the first insurance fee is charged, as well as terminate the insurance agreement at any time of the insurance period.

The Insurance Agreement is made by the Client with the Insurer through the Bank. The latter acts as an insurance agent of Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie S.A. entered into the register of entrepreneurs of the National Court Register under KRS No. 00000028131 entered into the register of insurance agents maintained by the Polish Financial Supervision Authority, under the following number: 11120807/A. The customer may verify the Bank's entry in that register via the website:

In the protective insurance sales and handling processes, Bank applied the rules set out in the “Recommended best practices in the Polish bancassurance market for unit-linked protective insurance products” issued by the Polish Bank Association.

Important Documents

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