Citibank Credit Cards 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 lounges, supplementary cards, cinema offers, travel privileges, free golf benefits, and purchase protection. Some offers which make the cards worth possessing are VoucherSkout discount, Marhaba meet and greet services, MasterCard exclusive offers and Buy One Get One offers from VOX. more

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Citi Bank Credit Card
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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.

Types of Citi bank Credit Cards in UAE

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:

  • Basic Card: Known as the Citi Simplicity Credit Card, this is probably the best credit card in the UAE for customers who have little to no prior experience with credit cards.
  • Cashback Card: Citi Cashback Credit Card is among the most rewarding credit card and it offers amazing cashback on any transaction made with the card.
  • Rewards Cards: Citibank’s rewards credit cards in the UAE are available in great variety, catered to serve customers from all economic segments.
  • Emirates Cards: This line of Citibank Emirates credit cards is loaded with a wide range of travel & lifestyle benefits, including the extremely attractive Skywards Miles rewards, dining, and entertainment offers.

Top Citibank Credit Cards in UAE

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

Features & Benefits of Citi Bank Credit Cards

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:

  • Air Miles - For those who fly a lot, whether for business or for pleasure, air miles are the most advantageous feature a Citibank plastic credit card offers. Some of the Citibank UAE credit cards enable its cardholder to earn skyward miles per unit of currency spent (which is usually more on foreign currency). These miles further can be redeemed on flight tickets, to upgrade from economy to business or business to first-class with Emirates, and even for shopping at some specific
  • Complimentary Airport Lounge Access - Spend your waiting time at an airport in luxurious lounges across thousands of locations with a Citi bank credit card. Many of the Citibank plastic cards offer unlimited free access to some premium airport lounge access globally to its cardholder. Depending on which Citibank UAE credit card the cardholder opts for, they may also be entitled to one free
  • Supplementary Cards: The Citi credit card cardholder can apply for the supplementary/add-on cards for their eligible family members. Not only these add-on cards come with a pre-defined credit limit, but also all the benefits offered by the primary card are available on the add-on card.
  • Cinema Offers – Many of the Citibank credit cards in the UAE offer buy one, get one free movie ticket at VOX Cinemas every month.
  • Complimentary Golf Benefits - UAE is home to some of the most stunning golf courses in the Members of Citibank UAE plastic card can enjoy free access to some prestigious golfing locations across the country. On spending a minimum of AED 5,000 per month with certain Citi credit card, cardholders can enjoy limitless free golfing on weekdays and a complimentary round of golf once every month on weekends.
  • Travel Privileges - Citibank credit cards offer a host of travel privileges to its cardholder including hotel discounts, complimentary Marhaba Meet & Greet Service, discounted car rentals, complimentary travel insurance, and much more.
  • Rewards & Offers - From discounts on high-end gourmet meals to promotions on furniture and grocery shopping, Citibank UAE plastic cards offer an impressive variety of spending options and an extremely flexible reward system, making it one of the best credit cards in UAE for all types of Rewards and offers are updated regularly to accurately capture the customers’ interests, while reward points may also be used to redeem the annual membership fee of the Citibank credit card
  • Purchase Protection - Offered on selected Citibank UAE plastic cards, purchase protection can be a buyer’s best These Citibank cards offer coverage for new purchases, stating that any newly bought item that is damaged or stolen within 90 days from the date of purchase is eligible to be replaced or reimbursed for the full value, as per the store’s receipt.

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Citibank Credit Card Offers

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: 

  • Annual Fee Waiver: Many of the credit cards offer the cardholder with some sort of waiver on the annual fee. While some of the cards offer the first year completely free, others offer the additional option to earn annual fee-free years upon meeting a specific minimum spend.
  • VoucherSkout Discounts: Depending on the Citibank credit card, the cardholder is eligible for up to 150 VoucherSkout credits that allow a 50% discount on the entire bill at more than 500 outlets.
  • MasterCard Exclusive Offers: Cardmembers of certain card variants can enjoy the MasterCard privilege offers.
  • Buy One Get One Offers with VOX: Almost each and every Citi credit card offers complimentary buy one get one free movie tickets at VOX Cinemas. The monthly cap might vary from one card to another.
  • Marhaba Meet and Greet Services: Some of the exclusive Citibank credit cards allow the cardholder to enjoy the Marhaba Meet and Greet services to make their travel smooth.
  • Complimentary Roud of Golf: Almost each Citi credit card offers complimentary golf services to the cardholder. The monthly cap varies from one card to another.
  • Complimentary Stay: Some of the cards offered by Citi also offers a complimentary hotel stay for the fourth night worldwide.

Exclusive Offers on Citibank Credit Cards

Citibank is providing exclusive offers are available on these cards that are valid till December 31st, 2023. The following are the offers -

  • When you purchase items worth AED 150 or more using your Citibank Credit Card on, you get an instant discount of up to 10% once a month. 
  • Upon using your Citibank  Credit Card for purchases of at least AED 150 on Carrefour (either the mobile application or on the official website), you get an instant discount of 15% (i.e., up to AED 50) on the eligible purchases. 
  • You get an immediate 20% discount on your food and grocery orders placed using  Citibank Credit Card from Talabat mobile app. Note that this discount can be availed twice a month. 
  • When you pay for your Careem airport rides via Citiback World Elite Credit Card, you get up to 6 free airport rides in a year. To avail of this offer use promo code “ MAUAE6”.

Latest Citibank Credit Card Offers

Annual Membership Fee & Income Eligibility of Citi bank Credit Cards

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.

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Citibank Credit Card Eligibility Criteria

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:

  • Age- To apply for a Citibank card, the applicant must be at least 21 years of The maximum age limit for Citibank cards is between 60-65 years, depending on the nationality of the applicant.UAE nationals generally notice a much more relaxed process.
  • Income- Every Citibank plastic card requires a minimum monthly income. These values range from AED 5000 to AED 36,750.
  • ID Proof- While UAE nationals can present their Emirates ID to complete the Citibank credit card application formalities, expats are required to submit passport and visa
  • Address Proof- A valid mailing address is also required to complete the application process. This may be shown in the form of utility
  • Credit History- All Citibank UAE plastic card members are run through an extensive background check of their credit Poor credit history may result in a rejected application.

How to Apply for a Citibank UAE Credit Card?

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.

Citibank UAE Credit Card Interest Rates

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)

Citibank Credit Card Limit

A Citibank UAE credit card member’s credit limit is determined through an underwriting process, which takes the following into consideration:

  • The applicant’s prior credit history
  • Type of Citibank credit card
  • Track record with Citibank

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.

Charges on Citibank Credit Cards

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) 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

Canceling Your Citi bank Credit Card

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

  • It has been inactive for a defined period of time (usually 12 months), or
  • If the cardholder has continuously missed payments on the card or made use of it for unlawful activities.
Citibank Credit Card Loan -  Check Interest Rates & Eligibility

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Why Choose Citibank Credit Cards?

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.

  • Variety- Ranging from the super savings Citibank Cash Back card to the high profile Citibank Emirates cards, the bank has managed to create a category for all types of Their vast varieties of options that allow customers to pick a card that suits their lifestyle needs perfectly.
  • Experience- Citibank UAE credit cards have been around since as early as 1964. With over 50 years of experience catering to the UAE market, the bank has managed to capture the most relevant features across its line of plastic cards.
  • Integrity- 50 years of banking is no small feat. Citibank cards have withstood the test of time, providing customers with reliable and transparent services year after
  • Accessibility- With over 2,600 branches in 19 countries, Citibank provides a seamlessly connected experience anytime anywhere to its customer.
  • Stability- The Citi group has 200 years of experience in banking, during which they have weathered many financial crises and industry disruptions. Citibank plastic cards are a safe and stable bet.
  • Benefits-Firstclass benefits and tie-ups with top name brands such as Emirates, Starwood Hotels & Resorts, and many more have created extremely rewarding opportunities for its customers.
Citibank Credit Card FAQs
  • About Citibank Credit Cards
  • Eligibility Criteria
  • Fees and Charges
  • Rewards and Benefits
What are the benefits of using Citibank credit cards in the UAE?
Citibank credit cards can help you enjoy seamless transactions and build your credit score, all while offering several privileges, rewards, and benefits. These cards also provide facilities like Credit Shield Plus (offering financial protection against fraudulent transactions), extended warranty, purchase protection, and so forth.
How do Citibank credit cards work?
These are short-term credits that enable you to borrow money from the credit amount that is allocated to you by the bank. This amount needs to be paid every month to the bank within the billing cycle.
What types of credit cards does Citibank offer?
The bank offers 4 main types of credit cards - Emirates Skywards Credit Card, Rewards Credit Card, Basic Credit Card, and Cashback Credit Cards.
What are supplementary cards?
Supplementary cards, alternatively referred to as add-on cards, are credit cards provided to qualifying family members of the primary cardholder. These cards possess functionalities identical to primary cards and qualify for the same benefits; however, all charges and fees are consolidated and billed to the primary card. The primary cardholder retains control by setting spending limits on supplementary cards. With Citibank credit cards, you can have up to 5 supplementary cards at no additional cost. In certain cases, Citibank may go beyond this and extend the privilege of unlimited supplementary cards for family members.
What is the minimum age to apply for a Citibank credit card in the UAE?
You should be at least 21 years old to apply for a Citibank credit card.
What is the minimum salary to apply for a Citibank credit card?
To apply for this credit card, your monthly salary should be at least 5,000.
When are you charged with a late fee on your Citibank credit card?
In case you are unable to pay the Minimum Payment Due by the due date, a late fee would be imposed. Keep in mind that this fee is separate from the interest charged on the remaining balance, which is calculated as per Citibank's Credit Card interest rate.
When do you get charged with an over limit fee?
An over-limit fee is imposed when the total outstanding balance on the card surpasses the credit limit at any point. In addition to that, a charge will be levied if the current balance indicated in the statement exceeds the credit limit.
When does the bank apply finance charges on your credit card?
If you fail to pay the full amount due or make a partial payment, an interest will be charged although the interest charges will be reflected on the next statement date. These charges are calculated for each transaction from the date of the respective transaction until the next statement date.
What are the complimentary Golf Rounds with Citibank credit cards?
Citi Credit Cards provide a range of high-end options that include exclusive golf privileges at renowned golf clubs in the UAE. By simply filling out and submitting the 'Citibank U.A.E. Golf Tee Time Reservation Form,' you can have a tee time at world-class golf courses like The Els Golf Club Dubai, Trump International Golf Club Dubai, Arabian Ranches Golf Club Dubai, Montgomerie Golf Club Dubai, and Abu Dhabi Golf Club. Note that the acknowledgement for your booking will be sent via email within 5 business days depending on the availability for your desired date of play.
What is the eligibility criteria to avail of a complimentary golf round with Citibank credit card?
To be eligible for a free round of golf, you should make a minimum spend of AED 5,000 per month on your Citibank credit card.
On what Citibank credit cards do you get access to international airport lounges?
You get access to over 1,100 international airport lounges on these Citibank credit cards - Emirates Citibank Ultima Mastercard, Emirates Citibank Ultimate Mastercard, Emirates Citibank World Mastercard, Emirates Citibank Ultima Visa, Emirates Citibank Ultimate Visa, Citi Prestige, Citi Premier, Citi Rewards, Citi Cashback, Citi Premiermiles Signature, Citi Premiermiles Titanium, Citi Premiermiles Elite, Citi Platinum, Citilife World Elite Mastercard, Citilife Infinite, and Citi Simplicity.
How can you avail of discounts on Amazon with Citi Mastercard credit cards?
By using the appropriate monthly promo code, you can enjoy the opportunity to receive a 10% discount (up to AED 50) on eligible transactions above AED 150 at once a month. It must be noted the exclusions regarding consumer electronic products and more may also be applicable.

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