Unlock a world of exciting benefits with Citi Credit Cards.
Choose from the below
Apply for Credit Cards
Basic Card
CITI SIMPLICITY
- No late fee, cash advance fee or over limit fee - Ever
- Enjoy access to select airport lounges across the Middle East
| Annual fee AED 0 |
Minimum Monthly Income AED 5,000 |
Cash Back Card
CITI CASH BACK
- Automatic Cash Back with 3% on Non AED spend, 2% on Grocery Spend & 1% on all other spend.
- Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
- No Annual Fee (Spend based)*
No Annual Fee (Spend based)*
| Annual fee AED 300* |
Minimum Monthly Income AED 8,000 |
Quick Cash
CITI READY CREDIT
- Instant cash access at a special rate starting from 15%* per annum in your bank account anywhere within UAE.
- No Annual Fee, annual fee is waived indefinitely (normally AED 300)**
- 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.
- Ready Credit 1st loan must be booked within 1 month of card approval in order to qualify for 15% annual rate for the duration of the loan term. Minimum tenor of 1st loan is 24 months and maximum is 48 months.
| Annual fee AED 300** |
Minimum Monthly Income AED 8,000 |
Rewards & Lifestyle Cards
CITI PREMIER
- Redeem points for cash rebates, travel related spend or transfer to 12 partner airlines.
- Complimentary golf
- Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
- Flat 30% off movie tickets at VOX Cinemas every month
AED 350 Joining bonus Statement Credit
| Annual fee AED 750 |
Minimum Monthly Income AED 15,000 |
CITI REWARDS
- Redeem points for cash rebates or travel related spend.
- Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
- No Annual Fee (Spend based)*
- Flat 30% off movie tickets at VOX Cinemas every month
No Annual Fee (Spend based)*
| Annual fee AED 300* |
Minimum Monthly Income AED 8,000 |
Travel Cards
CITI ULTIMA
- AED 1,000 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.
AED 1,000 Joining bonus statement credit
Annual fee AED 3,000 |
Minimum Monthly Income AED 36,750 |
CITI PRESTIGE
- Redeem points for cash rebates, travel related spend or transfer to 12 partner airlines.
- 4th night free at any hotel locally for staycations, or anywhere worldwide
- Unlimited complimentary golf
- Buy 1 – get 1 free movie tickets & Valet Parking each month
- Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
AED 600 Joining bonus Statement Credit
| Annual fee AED 1,500 |
Minimum Monthly Income AED 30,000 |
20% instant discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use promo code “MASTERCARD” at checkout.
Learn more.
Enjoy 4 complimentary airport rides p.a. (up to AED 84 each) on Mastercard World Elite using code “MAUAE6” and 2 rides p.a. (up to AED 44 each) on Mastercard World using code “MAUAE2” on the Careem app.
Learn more.
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.
Key Conditions
Talabat, Careem & Airport Lounge offers are provided by Mastercard. Citibank is not liable for any loss or inconvenience incurred by the cardholder due to operational / fulfilment issues or otherwise by 3rd parties.
5% Value Added Tax (VAT) applicable over and above the annual fee.
*Ready Credit 1st loan must be booked within 1 month of card approval in order to qualify for 15% annual rate for the duration of the loan term. Minimum tenor of 1st loan is 24 months and maximum is 48 months.
*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 and Citi Rewards Credit Card).
*AED 600 statement credit for Citi Prestige and AED 350 statement credit for Citi Premier Credit Cards, will be given after payment of full Annual Membership Fee.
**AMF is waived indefinitely for year 1 onwards without conditions. Citibank reserves the right to start charging the AMF (AED 300) from year 3 with advance notice.
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.
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Copyright © 2025 Citigroup Inc.
Terms & Conditions:
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.
*GDPR – General Data Protection Regulation ; *LGPD – Lei Geral de Proteção de Dados Pessoais ; *NZPA – New Zealand Privacy Act
Citibank is service mark of Citigroup Inc. or Citibank N.A., used and registered throughout the world.
Citibank NA UAE is registered with Central Bank of UAE under license numbers BSD/504/83 for Al Wasl Branch Dubai, 13/184/2019 for Mall of the Emirates Branch Dubai, BSD/2819/9 for Sharjah Branch, and BSD/692/83 for Abu Dhabi Branch. Tel.: 04 311 4000.
Citibank, N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) promotion under license number 20200000097 B) Trading broker in international markets under license number 20200000198.
Copyright © 2025 Citigroup Inc.