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Compare Credit Cards in UAE

Before applying for a Credit Card, you must make sure to compare the best Credit Cards that are available in the UAE. Doing so will give you a good idea of the features and benefits of different cards, and it will also help you select one that suits your requirements.

How to choose the best credit card for your financial needs?

Compare the different Citi Credit Cards to find the one that best suits you!

Citi Ultima

Citi Ultima

  • AED 1,250 cash back subject to min spend criteria of AED 25,000 in 90 days.

  • 50% off airline tickets (up to AED 2,000) once a year

  • 3rd night free at any hotel worldwide (unlimited)

  • Free Home check-in (4 per year)

  • Redeem Citi Miles for flights with any airline, class or destination.

  • Transfer miles to 11 partner airlines, including Etihad, Turkish, Qatar & British Airways

Citi Prestige

Citi Prestige

  • AED 750 cash back subject to min spend criteria of AED 20,000 in 90 days.

  • Transfer points to 11 partner airlines including Etihad, Qatar and Turkish airlines or redeem points for cash rebate.

  • 4th night free at any hotel locally for staycations, or anywhere worldwide.

  • Unlimited complimentary golf at some of the finest courses in the UAE.

  • Enjoy 2 complimentary Valet Parking visits every month across the UAE.

Citi Premier

Citi Premier

  • AED 500 cash back subject to min spend criteria of AED 15,000 in 90 days.

  • Transfer points to 11 partner airlines including Etihad, Qatar and Turkish airlines or redeem points for cash rebate.

  • Access to over 1,100 airport lounges with the MasterCard Travel Pass app.

  • Flat 30% off 4 movie tickets at VOX Cinemas every month.

  • Complimentary golf once a month at some of the finest courses in the UAE.

Citi Rewards

Citi Rewards

  • AED 150 cash back subject to min spend criteria of AED 7,500 in 90 days.

  • No annual fee in yr. 1. From yr. 2. onwards the card is free unless a min. annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.

  • Redeem points for cash rebate or travel related spend.

  • Access to over 1,100 airport lounges with the MasterCard Travel Pass app.

  • Flat 30% off 2 movie tickets at VOX Cinemas every month.

Citi Cash Back

Citi Cash Back

  • AED 150 Joining bonus statement credit upon meeting min spend criteria of AED 7,500 in 90 days.

  • Automatic cash back with

    3% on non-AED

    2% on grocery

    1% on all other spend

  • Access to over 1,100 airport lounges with the MasterCard Travel Pass app.

  • No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit).

Citi Ready Credit

Citi Ready Credit

  • Instant cash access at a special rate starting from 15%** per annum in your bank account anywhere within UAE

  • Get a higher credit limit, up to 6X of your monthly income or up to AED 175,000, whichever is lower.

  • Repay as per the monthly repayment schedule or repay all at once without any early loan settlement fee.

  • No annual fee in year 1. From year 2 onwards the card is free unless a min annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.

Citi Simplicity®

Citi Simplicity®

  • No Annual membership fee.

  • No late fee, cash advance fee or over limit fee - ever.

  • 0% interest on balance transfers for 6 months.

Emirates-Citibank Ultima Credit Card

Emirates-Citibank Ultima Credit Card

  • AED 500 cash back subject to min spend criteria of AED 20,000 in 90 days.

  • Earn up to 2.5 Skywards Miles per $ spend.

  • Exclusive 100% Metal card + Skywards Silver Membership.

  • 25,000 welcome bonus Skywards Miles and 10,000 miles annually upon payment of annual fee.

     

  • Unlimited complimentary golf at some of the finest courses in the UAE.

  • Complimentary Valet Parking 2 times a month with Valtrans.

Please select a card

*Click here for Welcome Offer Terms and Conditions

**No annual fee in year 1. From year 2 onwards annual fee is waived unless a minimum annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies (applicable for Citi Cash Back, Ready Credit and Citi Rewards Credit Card).

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.

*T&Cs apply. 15% is annual rate and is applicable during the term of the 1st loan booked on Ready Credit Card within 1 month of card approval. Applicable only for new Citi customers.

  Skywards Miles earn restrictions
Spend Category Emirates-Citibank Ultima Emirates-Citibank Ultimate Emirates-Citibank World
Grocery & Real Estate 50% of spend miles earn rate
Government Services, Utilities & Telecom No earn
Utility Bill Payment via Citibank Online, Mobile or Phone channels per statement cycle 1,000 Miles 750 Miles 500 Miles
Spend above the credit limit within a statement cycle No earn

Things to Consider before you compare Credit Cards

From getting amazing deals on travel expenses to getting rewards for every eligible purchase, different Credit Cards serve different purposes. Hence, it is important to compare and choose the right Card based on your spending needs. Below are some things that you need to consider while comparing Credit Cards:

Spending Needs: Before you choose a Credit Card that may be the best one for you, you need to first analyze your spending habits and patterns. If you are a frequent traveller, then a Card that offers discounts on hotels, airlines or other travel expenses can be a viable option. However, if you spend more on groceries and other retail purchases, then a Card that offers cash back or cash rebates can be beneficial for you. And if you’d like instant access to cash at lower rates get a Card that offers quick cash.

Rewards and Benefits: Some Credit Cards offer reward points for eligible retail purchases, which can be redeemed for cash rebates, staycation bookings, etc. A Credit Card that complements your spending habits and offers the best rewards for your spending can help you take maximum advantage of its benefits.

Higher Credit Limit: Some Credit Cards offer higher Credit limit as a multiple of income and easy conversion to EMI loans at a special rate. If you’re looking for a Card with borrowing facilities, you can book any loan amount you like out of the Credit limit and repay only the monthly instalment or all at once without any extra charges. Credit Cards offer constant replenishment as and when you pay, as compared to one time loans where you have to fill long application forms every time you need to get a new loan.

Annual Fees and Other Charges: Every Credit Card may have different annual fee structures and charges. Some Credit Cards may not charge an annual fee when you reach the minimum spending requirement for that year. However, Credit Cards that charge a high annual rate can also offer lucrative rewards.

Annual Percentage Rate (APR): Credit Cards help you convert large purchases into small monthly payments. If you want to convert your outstanding balance or any large purchase into Equal Monthly Installments (EMIs), then don’t forget to check the Annual Percentage Rate (APR) that’s applicable for the shortlisted Cards. Choosing a Card that offers a lower rate of interest can help you save more with each installment payment.

Cash Advance Options: Some Credit Cards may offer cash advance options, which can help you get extra cash in hand when in need. Don’t forget to check the transaction fee and Annual Percentage Rate (APR) that are applicable for the chosen Card.

Choosing the right Card for the right spending type can help you take advantage of the rewards and privileges it has to offer. So, go to the compare Credit Cards section on the Citi website and select the Credit Card that will suit your needs the best.

Important

Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.

Frequently Asked Questions

A Credit Card is a type of payment card that is issued by a bank. The cardholders can access the pre-set credit limit and use it for different purchases. If a cardholder is making a payment by using a Credit Card, then he/she won’t have to pay in cash or cheque. The pre-set credit limit is set by the issuing bank and it is based on the customer’s income and credit score.

There are four types of Credit Cards that are offered by Citi. Each type comes with a plethora of rewards and benefits. You can check the types below:

  • Travel Credit Card
  • Rewards & Lifestyle Credit Card
  • Cash Back Credit Card
  • Ready Credit Card
  • Basic Credit Card

To choose the best Credit Card for yourself, you must check the following factors before applying for one:

  • Lifestyle needs: You must keep track of your spending patterns and then select a Credit Card that will compliment your spending.
  • Rewards Offer: Different Credit Cards offer different rewards. Compare the cards and go for the one that suits you the most.
  • Quick Cash Access & Higher Limit: If you need quick access to cash with a higher limit, Ready Credit can be the right option for you.
  • Redemption Options: Check the redemption options that are offered by different Citi Credit Cards. Select the one that will help you the most. For example, if you are an avid traveler, you can select a travel Credit Card that will offer you maximum sky miles. You can then redeem the miles while purchasing air tickets. Similarly, you can opt for redemption options against cash back, fuel discounts.
  • Fees and Charges: The fees and charges applied on different Credit Cards vary. So, choose the one that is convenient for you.

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