This guide will show you how to cancellation auto debit credit card payments. You'll be well-equipped to regain control over your credit card payments and take charge of your financial journey in UAE.
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
Best credit cards with 0 Annual fee*
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|
|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|
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:
Citibank is providing exclusive offers are available on these cards that are valid till December 31st, 2023. The following are the offers -
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)||Apply|
|Basic Card||Citi Simplicity Credit Card||0||5,000||Apply Now|
|Cashback Card||Citi Cashback Credit Card||300*||8,000||Apply Now|
|RewardsCards||Citi Prestige Credit Card||1,500||30,000||Apply Now|
|Citi Premier Credit Card||750||15,000||Apply Now|
|Citi Rewards Credit Card||300||8,000||Apply Now|
|Emirates Cards||Emirates-Citibank Ultima Credit Card||3000||36,750||Apply Now|
|Emirates-Citibank Ultimate Credit Card||800||18,000||Apply Now|
|Emirates-Citibank World Credit Card||400||12,000||Apply Now|
(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 %)||Apply|
|Citi Simplicity||3.50||3.50||Apply Now|
|Citi Cashback||3.25||3.25||Apply Now|
|Citi Rewards||3.25||3.25||Apply Now|
|Citi Premier||3.25||3.25||Apply Now|
|Citi Prestige||3.25||3.25||Apply Now|
|Emirates-Citibank World/Titanium/Gold||3.25||3.25||Apply Now|
|Emirates-Citibank Ultimate||3.25||3.25||Apply Now|
|Emirates-Citibank Ultima Visa/Ultimate MasterCard||3.25||3.25||Apply Now|
(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:
|Late Payment Charge (Not applicable for Citi Simplicity)||AED 230|
|Over-Limit Charge (Not applicable for Citi Simplicity)||AED 249|
|Cash Advance Charges (Not applicable for Citi Simplicity)||3 percent of cash advance or AED 99 (whichever is greater)|
|Card Replacement Charges||AED 50|
|Returned Cheque Charges||AED 100|
|Card Conversion Charges||AED 50|
|Sales Draft Copy||AED 65|
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.