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Get up to AED 1250* Welcome Offer Cash Back with a new Citi Credit Card!

(Exclusive online offer)

 

 

 

 

 

 

T&C’s Apply.

*Welcome Offer Cash Back is provided only to new Citi Credit Card customers who apply/submit a lead directly via Citi website. Talabat & Careem instant discounts are subject to T&Cs

Credit Cards

Unlock a world of exciting benefits with Citi Credit Cards.

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.

Citi Ultima

(World Elite)

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

AED 1,250 Joining bonus statement credit

Annual membership fee:

3,000

Monthly salary required:

36,750

Apply now
Learn more

Citi Prestige

(World Elite)

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.

AED 750 Joining bonus statement credit

Annual membership fee:

AED 1,500

Monthly salary required:

AED 30,000

Apply now
Learn more

Citi Premier

(World Elite)

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.

AED 500 Joining bonus statement credit

Annual membership fee:

AED 750

Monthly salary required:

AED 15,000

Apply now
Learn more

Citi Rewards

(World)

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.

AED 150 Joining bonus statement credit

Annual membership fee:

AED 300*

Monthly salary required:

AED 8,000

Apply now
Learn more

Citi Cash Back

(World)

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).

AED 150 Joining bonus statement credit

Annual membership fee:

AED 300*

Monthly salary required:

AED 8,000

Apply now
Learn more

Citi Ready Credit

(Titanium)

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.

Instant cash access up to 100% of credit limit

Annual membership fee:

AED 300*

Monthly salary required:

AED 8,000

Apply now
Learn more

Citi Simplicity®

(Platinum)

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.

No annual fee - ever

Annual membership fee:

AED 0

Monthly salary required:

AED 5,000

Apply now
Learn more

Find the Credit Card that best meets your needs

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Citi Credit Card Members, find out what else to reward yourself

A citibank customer explaining to his daughter about finance

Life and Money

Paying your expenses with a Credit Card is a smart way to spend money as it’s the best way to earn reward points, air miles, cash back and other perks. With Citi PayAll– a first-of-its-kind payment solution in the UAE – Credit Cardholders can turn their big payments into rewards that they can maximize over time.

Read more on Life & Money

Frequently Asked Questions

  • Debit Cards: You can use and spend your own funds that you have deposited in your bank account
  • Credit Cards: You can spend up to a certain limit by borrowing from the credit amount allocated to your card by the issuing bank.
  • Debit Cards: They do not offer rewards points
  • Credit Cards: Users get access to a wide range of privileges and benefits such as travel discounts, cash backs, cash rebates, discounts on bills, etc.
  • Debit Cards: They come with an overdraft line of credit associated with the consumer’s bank account.
  • Credit Cards: They come with a specified credit amount. If the consumer wants to spend beyond it, the card will decline the transaction.

Credit Cards can be considered similar to short-term loans. So, whenever you borrow money from the credit amount allocated within your card by the bank, you must pay the borrowed amount to the bank every month within your billing cycle. You must make sure to pay the borrowed amount in your billing cycle every month to avoid getting penalised.

There are several benefits of using Credit Cards. They are as follows:

  • Credit Cards help you build good credit score
  • They offer fraud protection and ensure secure transactions
  • They also provide warranty and purchase protection
  • Credit Cards offer several benefits and privileges
  • They ensure easy and convenient on-the-go transactions

Step 1. Open your Citi Mobile app
Step 2. Click on "Activate card"
Step 3. Enter your Card No.(16 digits on your card), Expiry Date(mm/yy) and Date of Birth (dd/mm/yyyy)
Step 4. Enter the OTP sent to your registered mobile number
Step 5. Create and confirm an ATM Password code

There are four ways via which you can pay your Credit Card bill. Check them below:

  • Pay via online transfer from your Citi account
  • Pay via online transfer from other UAE bank account
  • Set up a Direct Debit payment from your Citi bank or non-Citibank account
  • Pay at an exchange house through the UAE Funds Transfer System (UAEFTS)

Minimum Payment Due is calculated as 2.74% of the current balance on Statement of Account, plus, if applicable

  • Current billed Late Payment Fee
  • Current billed finance charges
  • Monthly amount(s) of installment(s) subscribed under EIP's/ Balance Transfer/ Loan on Phone(s)/ InstaLoan(s) etc
  • Over Limit amount
  • Past due amount
  • InstaLoan processing fee or AED 100, whichever is higher.

If your Current Balance is less than AED 100, then your Minimum Payment Due will be equal to your Current Balance

You will be charged a late fee when the Minimum Payment Due is not received by the Payment Due Date. It is levied in addition to the interest on the outstanding amount at Citibank's Credit Card interest rate.

You will be charged an over limit fee if the total outstanding balance on the card exceeds the credit limit at any time. You will also be charged when the current balance as shown in the statement exceeds the credit limit.

Interest will be charged if you do not pay the full amount due or make partial payment. It will be shown in the next statement date. The charges are calculated for each transaction from the respective transaction date to the next statement date.

Follow the steps below to register for SMS and EMAIL Alerts:

  • Sign on to Citibank Online and navigate to the My Profile menu.
  • Choose Citibank Alerting service from the available options
  • Select Edit Alert Profile
  • Choose your SMS and Email Alerts
  • Click Confirm to activate your alerts

Follow the steps below to register for Push Notifications:

  • Sign on to the Citi Mobile App
  • Select Push Notifications from the Settings menu
  • Click Set up New Notification and choose your alerts
  • Select Continue to confirm your choice
  • Ensure your device settings allow notification to be displayed
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.

Key Conditions

Click here for Welcome Offer Terms and Conditions

The welcome offer is applicable only to new Citi Credit Card customers who apply/submit a lead directly through Citi website. Applicants reaching Citi website through a web search advert or any third party link do not qualify.

Joining bonus Statement Credit will be credited within 45 days of meeting the minimum spend requirements below:

Product Joining Bonus Statement Credit Min spend to be achieved in 90 days
Citi Ultima AED 1,250 AED 25,000
Citi Prestige AED 750 AED 20,000
Citi Premier AED 500 AED 15,000
Citi Cash Back AED 150 AED 7,500
Citi Rewards

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.

Click here to view Talabat offer T&C’s.

Click here to view Careem offer T&C’s.

5% Value Added Tax (VAT) applicable over and above the annual fee

*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, Citi Rewards and Citi Ready Credit Cards)

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.

Click here to view fees and charges.

Important Information

You are leaving a Citi Website and going to a third party site. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi and its affiliates are not responsible for the products, services, and content on the third party website. Do you want to go to the third party site?
Citi is not responsible for the products, services or facilities provided and/or owned by other companies.