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A known name in the UAE financial sector, Citibank offers plenty of credit card options in the UAE. As a customer, you can avail of basic cards, cashback cards, reward cards, and Emirates cards. Citibank credit cards are one of a kind as they offer benefits like air miles, free access to airport ...read more
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Founded in 1812, Citibank was initially known as the City Bank of New York, and later it became the ‘First National City Bank of New York’. Even before entering the credit card market, Citibank was a proud owner of a wide range of accolades in the world of finance. Today, Citibank has over 2,600 branches, spread across 19 countries all around the globe. The Citi Bank UAE credit card was introduced as early as 1964 when the first Citibank branch was opened in the Dubai International Financial Centre (DIFC).
Known as a customer-first organization, Citi Bank was one of the first US banks to implement ATM technology in the UAE, allowing its customers round the clock access to their funds. Furthermore, the Citibank UAE credit card was also the first in UAE to offer customers a chance to earn travel miles. Currently, Citibank is a major player in the UAE credit card market and a leading provider of Wealth Management & Consumer Credit Services.
The Citibank UAE credit cards are split into four brackets, categorized by the types of benefits offered. From travel and shopping benefits to lifestyle privileges, each of the Citi Bank plastic cards offer unmatched and unparallel benefits to its cardholder. The four categories are as follows:
Here is a list of the top credit cards offered by the Citibank in the UAE:
Types of Citibank Credit Cards | |
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Citibank credit cards are available in a wide variety of options, each with their own defined credit limit and card-specific benefits.
Citibank UAE plastic cards are catered to an eclectic range of spenders, from heavy shoppers to travel enthusiasts; there exists a Citibank credit card for all. Depending on what card you opt for, some of the many benefits that Citibank credit cards in UAE offer are as follows:
The wide variety of credit card offered to the consumers by Citibank comes with numerous benefits and features detailed previously, On top of those, the cardholder can also enjoy numerous Citibank Credit Card offers that are commonly provided on many of the Citibank cards, depending on the credit card variant. Some of the common Citi bank Credit Card offers are detailed below:
Given below are the consolidated figures for all Citibank UAE credit cards.
Category | Citibank Credit Card Name | Annual Membership Fee (in AED) | Minimum Monthly Income Required (in AED) |
---|---|---|---|
Basic Card |
Citi Simplicity Credit Card |
0 |
5,000 |
Cashback Card |
Citi Cashback Credit Card |
300* |
8,000 |
RewardsCards |
Citi Prestige Credit Card |
1,500 |
30,000 |
Citi Premier Credit Card |
750 |
15,000 |
|
Citi Rewards Credit Card |
300 |
8,000 |
|
Emirates Cards |
Emirates-Citibank Ultima Credit Card |
3000 |
36,750 |
Emirates-Citibank Ultimate Credit Card |
800 |
18,000 |
|
Emirates-Citibank World Credit Card |
400 |
12,000 |
(Updated as of January 2020)
*Note that the first year’s fee is waived. From the second year onwards a fee of AED 300 is applicable on the credit card unless a minimum yearly amount of AED 9,000 has been spent.
A number of factors can affect the eligibility for a Citibank UAE plastic card. The following have the greatest impact on the Citibank credit card application:
There are two ways to apply for a Citibank UAE plastic card; online and in-person. Applicants can simply visit the nearest Citibank branch in the UAE with all the necessary documentation to begin their Citibank credit card application process or can head online to apply through the official website of the bank. Online applications are recommended as they are eligible for incredible Citibank UAE credit card offers, such as up to AED 1,500 credited into the account on reaching a minimum spending requirement.
Like most plastic cards, Citibank cards come with two associated interests; retail interest rates and cash advance interest rates. The retail interest rate is paid on outstanding daily balance on the card and normally charges at the end of a statement period. Cash advance interest rate, on the other hand, is charged on any withdrawal made with the Citibank credit card. While credit cards offer the cardholder incredible spending power, they should not be used excessively to make withdrawals due to their high cash advance interest rate.
Card Name | Monthly Retail Interest (in %) | Monthly Cash Interest (in %) |
---|---|---|
Citi Simplicity |
3.50 |
3.50 |
Citi Cashback |
3.25 |
3.25 |
Citi Rewards |
3.25 |
3.25 |
Citi Premier |
3.25 |
3.25 |
Citi Prestige |
3.25 |
3.25 |
Emirates-Citibank World/Titanium/Gold |
3.25 |
3.25 |
Emirates-Citibank Ultimate |
3.25 |
3.25 |
Emirates-Citibank Ultima Visa/Ultimate MasterCard |
3.25 |
3.25 |
(Updated as of January 2020)
A Citibank UAE credit card member’s credit limit is determined through an underwriting process, which takes the following into consideration:
As a Citibank card owner, you can head over to the Citibank Credit Card login to see your credit limit and to request an increase on it.
Responsible card-holders make it a point to understand the various charges applicable to their credit card before making use of it. Here are some of the main fees & charges associated with the Citibank UAE plastic cards:
Description | Charges |
---|---|
Late Payment Charge (Not applicable for Citi Simplicity) |
|
Over-Limit Charge (Not applicable for Citi Simplicity) |
|
Cash Advance Charges (Not applicable for Citi Simplicity) |
|
Card Replacement Charges |
|
Returned Cheque Charges |
|
Card Conversion Charges |
|
Sales Draft Copy |
|
To prevent charges from accumulating on an unused card, cardholders should immediately begin the cancellation process. In order to cancel the credit card, the cardholder needs to talk to a Citibank representative and request for cancellation. The bank may also require them to send a written confirmation of the same. However, they will also be required to pay all the due amounts and accrued charges on the card before cancellation.
Note that Citi Bank may also cancel the credit card from their end if
Citibank Credit Card Loan - Check Interest Rates & Eligibility |
Citibank has a long history of success in the financial sector as an innovative and customer-friendly institution. Citibank UAE plastic cards are a prime example of their commitment to customers from all economic standings.
Q1: What are supplementary cards?
Ans: Supplementary cards, also known as add-on cards, are credit cards that are offered to the eligible family members of the primary Supplementary cards function exactly like a primary card and are even eligible for the same benefits, but all expenses and fees are charged to the main card instead. The primary cardholder can set spending limits on supplementary cards.
Most of the Citibank plastic cards offer 5 supplementary cards free of charge as a benefit, while some even offer unlimited cards for family members.
Q2: What is a late fee?
Ans: Typically a credit card provider will charge the cardholder an annual membership fee and interest on purchases made on borrowed credit. These charges are seen as minimum monthly payments that the cardholder is expected to make by a specified If you have not made the payment by this due date, you are charged a late payment fee. This late fee is charged over the interest you’d normally pay on the outstanding debt. It is advisable to avoid late fees by paying the outstanding amount on time every month, as late fees will also negatively affect your credit history.
Certain Citibank UAE plastic cards do not charge any late fees, such as the Simplicity credit card.
Q3: What is an over-limit fee?
Ans: If outstanding or current balance surpasses the set credit limit, the cardholder is charged an over-limit fee. Interest, cash advances, and other charges are also included in the outstanding balance of an account.
Members of a Citibank Simplicity card are not charged any over-limit fees.
Q4: What is a cash advance?
Ans: Any cash withdrawal made from an ATM or a branch with the plastic money is referred to as a cash Credit cards generally charge a high rate of interest on cash advances, so it is suggested to keep withdrawals to a bare minimum. Use a debit card instead to make withdrawals. Credit card withdrawals incur a cash advance fee and will also have interest charged on the withdrawn amount, starting from the date of the withdrawal itself.
Once again, Citibank customers with a Simplicity card are not charged any cash advance fees.
Q5: What am I supposed to do if my credit card is stolen or lost?
Ans: Lost or stolen plastic cards need to be reported to a bank representative as soon as The bank will then freeze the missing card and replace it with a new one. The longer you wait to report a missing card, the more at risk you are of paying for fraudulent credit card purchases.
All Citibank UAE credit cards come with a zero liability policy for lost cards. This means that as soon as customers report their card as stolen or lost, they are exempted from paying for future purchases made on the card. Citibank typically replaces a missing card within 48 hours within the UAE and in 4 working days for places outside the UAE.
Q6: How do I gain access to airport lounges using my Citibank plastic card?
Ans: Not all plastic cards offer airport lounge Ensure that your card has lounge access benefits or you may be charged during the entry. Similarly, only airports partnered with the bank will permit airport lounge access. To gain entry, you must have your credit card in person. The card will be swiped at the reception and relevant lounge passes will be deducted from your card benefits.
Q8: What are installment plans and how do I book one?
Ans: An installment plan allows the cardholder to pay for heavy purchases in smaller installments over the determined tenor. In other words, customers can purchase items within their credit limit and pay off the full amount over a period of Many banks also offer zero-interest installment plan, which charges no additional amount for these monthly installments and Citibank is one of them. However, you should confirm whether the selected vendor is covered by the bank before making a purchase, to avail the benefits of an installment plan.
Q8: What services can I access through online banking?
Ans: Online banking makes day-to-day transactions easier and hassle-free. Some of the many features of online banking are as follows:
Q9: Will I earn loyalty points on online purchases as well?
Ans: Yes, any purchases made through your plastic card are liable for loyalty points. These purchases can be made in person or To ensure you are earning points, first confirm whether your card gives you access to a loyalty program. Furthermore, factors such as the type of currency being used (foreign or local), type of items being purchased (grocery and real estate purchases may earn less), and yearly earning limits can determine whether you earn points.
Citibank UAE credit cardholders are automatically enrolled in loyalty programs, where applicable.
Q10: Where do I make my credit card payments?
Ans: Cardholders have to pay the outstanding amount by a specified payment due date, to avoid late fees and delinquencies in their credit These payments can be made through the following ways: