Credit card payments should always be made on a regular schedule to save you money. This guide tells you when the best time is for you to make a payment.
Established in the year 1967, Citibank UAE commenced its operations from the Dubai branch and later expanded across the UAE with over four branches, 3 Citigold lounges, 1 smart centre and a network of 39 ATMs. With over 200 years of banking experience, the bank has established itself as one of the strongest players in worldwide banking. Proving its reliability, the bank has gathered a robust customer base in the UAE and around the world. Citibank UAE offers a range of banking products and services, including personal, business, corporate and investment banking. The bank is a major provider of loan and credit card services. Among the credit cards, Citibank prestige credit card is popular for its reward program.
Citi Prestige Credit Card welcomes the cardholders to a world of exclusivity. It gives exclusive access, various travel rewards and privileges to the cardholders. Citi Prestige’s privileges and benefits are applicable all across the globe. It ensures that the cardholder experiences nothing but the extraordinary wherever they go. After all, everyone deserves an extraordinary life full of extraordinary experiences.
With a range of benefits, the Citibank Prestige credit card offers attractive features that let you manage your credit card expenses. Additionally, the card provides a secure transaction and fraud protection facility. The following are the key features of the Citibank Prestige credit card in the UAE.
To avail of the concierge service, the cardholder needs to call the Citi Phone Banking service that is available 24 hours and get in touch with the Citi Prestige Concierge Desk.
The Citibank Prestige credit card comes with a range of loyalty benefits and reward points. Individuals with a Prestige credit card can earn ThankYou Points on each and every expense. They can redeem the reward points and earn exclusive discounts. Following are the key benefits of Citibank Prestige Credit Cards in the UAE.
Being a Citi Prestige MasterCard member, the cardmember is entitled to get a free upgrade to the Gold tier in Qatar Airways Privilege Club. The cardmember enjoys top-tier advantages with Qatar Airways as well as the entire Oneworld airline alliance.
Travel exposes an individual to travel-related risks. During his/her travel, in case the cardmember encounters a problem, be it flight delays or missing luggage, the Citi Prestige MasterCard will compensate for the same.
The cardholder enjoys DISCOVERY Black-level membership on a complimentary basis at more than 550 hotels. With the help of a loyalty programme offered by Global Hotel Alliance, the cardholder can avail of early check-in, free room upgrades, late checkout, etc. at best hotels such as Kempinski, Anantara, Corinthia, etc.
In case of a medical urgency, when the cardholder needs medical care, he/she will get the necessary medical care. It ensures his/her health is never compromised.
Here are the services offered by the Citi Prestige Credit Card:
The cardholder can stay updated about their account activity. They can set up alerts to get alerts about their balance, outstanding payments when they exceed their credit limit and the purchase they make using their card by opting for the automatic alerts service.
The cardholder can pay their Citibank credit card bill online as well as offline. Here’s how:
The Citibank Prestige MasterCard Credit Card comes with the latest contactless technology. It makes the transactions easier, faster and hassle-free.
On making a purchase of AED 150 or above on Amazon.ae using your Citibank Citi Prestige Credit Card, you can get an instant discount of up to 10% (up to AED 50). This offer is applicable only once a calendar month.
You can use the following promo codes to redeem this offer -
You can redeem this Citibank credit card offer in the following two ways -
Note - The two options enable you to enjoy a 10% discount on eligible products - up to AED 50 - once every calendar month. This offer is applicable for purchases made between July 1st, 2023, and December 31st, 2023 (inclusive), excluding special promotional periods.
It is important to note that -
When you use your Citibank Citi Prestige credit card to place an order worth AED 150 or above on Carrefour mobile application or official website, you also get an instant 15% off (i.e., up to AED 50) once a month.
The following are the promo codes you can use as per the calendar month -
This promo offer is available only till December 31st, 2023 (date inclusive). This offer is valid only if the purchase is made via Carrefour mobile application or official website. The following are terms and conditions to adhere to when applying this offer -
When you use your Citibank Citi Prestige credit card to order food or groceries on Talabat mobile application, you get an instant discount of 20% twice in a month. This discount can be up to AED 14. To avail of this credit card in the UAE offer, use the promo code - MASTERCARD at the time of checkout.
It is important to note that this offer is available only till December 31st, 2023. Other terms and conditions include -
Upon paying via World Elite credit on Careem mobile application, you get 6 free airport rides in a year. The cap for each ride is USD 30. Use the promo code “MAUAE6” to avail of this offer. It is important to note that Apple Pay transactions do not qualify for this offer. Furthermore, you can use this offer to avail any cab, except Hala taxi.
Here is how you can redeem this offer:
When the cardmember uses their card to make payment, they earn points as per the applicable terms and conditions.
The best part about having the Citi Prestige Credit Card is earning rewards. Whenever the cardholder makes a purchase using their Citi Prestige Credit Card, they earn rewards.
Redeem your ThankYou Points
The Citi ThankYou Rewards Program offers one of a kind rewards experience for their cardholders. The cardholder can redeem their accumulated ThankYou Points for purchasing merchandise or can redeem instant rewards such as booking their travel itinerary with their accumulated ThankYou Points.
Here are ways in which the cardholder can redeem their accumulated redemption points:
To apply for the Citibank credit card, individuals need to satisfy a few eligibility criteria. The following are the eligibility criteria to apply for the Prestige credit card in the UAE.
Individuals who satisfy the eligibility criteria as stated above can continue to gather the requisite documents. During application, they need to submit the documents related to their identity, financial situation and residence. To apply for the Citi Prestige credit card, applicants will require the following documents.
Citibank offers both online and offline channels to apply for a credit card. With an online application, the individual can conveniently acquire a credit card from the comfort of their home. They can also visit the nearest Citibank branch and apply in person. You can apply for the Citibank Prestige credit card in the following manner -
Here are the applicable charges:
|1.||Yearly Membership Fee||AED 1,500|
|2.||Monthly Retail Interest||3.25 Percent|
|3.||Monthly Cash Interest||3.25 Percent|
|4.||Yearly Membership Fee for Supplementary Card||Free|
|5.||Direct Debit Set-up/ Amendment/ Cancellation||Free|
|6.||Stopping Direct Debit Payment||AED 50|
|7.||Card Replacement Charges||AED 50|
|8.||Card Conversion Charges||AED 50|
|9.||Sales Draft Copy Charges||AED 65|
|10.||Credit Shield Plus Charges||0.82 percent of the outstanding monthly balance|
|11.||LifeStyle Protect Plus Charges||0.79 percent of the outstanding monthly balance|
|12.||Processing Fees For personal loan||1 percent of the total loan amount Minimum AED 500, Maximum AED 2,500|
|13.||Loan Cancellation Charges||AED 100|
|14.||Loan Rescheduling Charges||AED 250|
|15.||Cash Advance Charges||3 percent of the advance amount or AED 99 (whichever is higher)|
|16.||InstaLoan Processing Charges||AED 100|
|17.||Late Payment Fee||AED 230|
|18.||Over Limit Fee||AED 249 or the highest over limit amount accessed during the statement period.|
|19.||Citibank balance transfer interest rates||35.88% per annum at reducing balance basis|
|Citibank Credit Cards|
|Citibank Citi Premier Credit Card||Citibank Citi Cashback Credit Card|
|Citibank Citi Prestige Credit Card||Emirates Citibank Ultima Credit Card|
|Citibank Citi Rewards Credit Card||Emirates Citibank Ultimate Credit Card|
|Citibank Citi Simplicity Credit Card||Emirates Citibank World Credit Card|
Ans: You can redeem your accumulated ThankYou Points in two ways. First, you can redeem it for buying merchandise. Second, you can redeem your accumulated points for instant rewards like booking your travel itinerary.
Ans: Yes, you can make a purchase in foreign currency. Additionally, you will get rewarded for the same. For spending 1 US Dollar in the foreign currency, you will earn 3 ThankYou Points. When you pay in foreign currency for booking hotel stays, or spending on entertainment, paying shopping bill etc., you will earn points.
Ans: If you have a bank account with Citi Bank, you can pay your Citi Prestige Credit Card bill through your internet banking account. You can pay your credit card bill by making a deposit at the nearest Citi Bank ATM.
Ans: In order to apply for a Citibank Citi Prestige Credit Card, you must have a monthly income of AED 30,000. In addition to that, you ought to pay AED 1,500 as an annual membership fee.
Ans: Yes. You can transfer ThankYou Points to various participating travel loyalty programs. By doing so, you can redeem your accumulated points for flight tickets booking, hotel bookings etc. on a 1:1 basis or a better basis.