This is an advertising/marketing material.


  • 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
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.

Insurance cover under the CreditShield Standard insurance is provided by Nationale-Nederlanden TUnŻ S.A.

Detailed information about the product along with a full list of insurer's liability exclusions can be found in the “General Terms and Conditions of CreditShield Standard Insurance” available in the “Important Documents” section below and in branches.

The CreditShield Standard Insurance contract is concluded by the Customer with the insurer through the Bank.

The Bank acts as an insurance agent performing agency activities for the following insurance companies:

  • MetLife Europe Insurance Designated Activity Company,
  • Towarzystwo Ubezpieczeń i Reasekuracji Warta S.A.,
  • Towarzystwo Ubezpieczeń na Życie Warta S.A.,
  • Europ Assistance SA - oddział w Irlandii,
  • Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna,
  • Aegon Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna.

The Bank is entered under number 11120807/A in the register of insurance agents kept by the Polish Financial Supervision Authority.

The Client has the possibility to check the Bank's entry in this register via the website:

The Bank, during the processes of sale and handling of protective insurance, follows the principles set out in the “Recommended best practices in the Polish bancassurance market for unit-linked insurance products” issued by the Polish Bank Association.

This material is for advertising/marketing purposes and does not constitute an offer within the meaning of art. 66 of the Civil Code.

Important Documents