Card Services
We understand that life presents endless possibilities. Citi brings you a wide range of convenient installment loans for your every need. Whether you want to upgrade your favourite gadget, consolidate your credit card balance, pay school fees, or buy a new TV, our installment loans can fulfill all your cash needs without straining your budget.
Don’t have a Citi Card yet and want Cash instantly? NEW
With Citi Ready Credit, you can now access cash instantly with higher credit limits up to 6x of your monthly salary. Click here to apply now and get instant* cash at a special rate starting from 15%** per annum, in your existing Citi account or your account in any other bank within UAE.
Our suite of flexible installment loans will ensure that your cash flow needs are fulfilled on time. Explore our installment loans online and choose a plan that works for you!
*Based on credit limit approval. As soon as credit limit is approved amount will be transferred in the provided account before physical card delivery & activation. Please note that once physical card has been delivered, the virtual card will become redundant. Kindly activate your physical card as soon as received.
**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.
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Get cash when you need – no questions asked; pay it back as per monthly schedule or all at once – no fees attached
Maximize the value of your credit limit with an instant cash loan.
Why wait for the things you want? Take advantage of excess cash in your bank account.
Go big and pay small. Convert your retail transactions into easy installments to repay over time.
Repayment options that suit your needs, with lower interest rates and smaller installments.
Have a question?
GENERAL
Loan on Card allows you convert your available credit limit into low interest cash payable in monthly installments and send it straight to your bank account.
The Loan on Card amount that you request will be blocked from your existing credit card limit and each installment payment will release the corresponding amount of your credit limit blocked against this loan. Monthly installments shall be due for payment & will appear in your next credit card statement after availing of the loan amount.
Interest accrues, at the rate determined by Citibank and published in the Schedule of Fees and Charges, on a daily basis and is calculated on the basis of actual days over 365 days year (366 days for leap year) on a reducing balance basis.
The maximum amount that you can request is available in Loan on Card menu.
Actual disbursement of funds may vary depending on the account of disbursement. Disbursements to Citi accounts will be typically made on the same day. Accounts with third party banks may take up to 3 working days.
Subject to Citibank's approval, you may at anytime cancel your Loan on Card or opt for early settlement of the Loan on Card amount. Such cancellation or early termination requires an early settlement fee of 1% on the remaining outstanding principal and you will be charged interest on the remaining principal from the date of your last statement until the Loan on Card closure date.
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I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www1.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www1.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Data Privacy (GDPR, LGPD & NZPA)*. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
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