Citibank Credit Cards

Even before entering the credit card market, Citibank was a proud owner to a host of accolades in the world of finance. Founded in 1812, this illustrious bank was initially known as the City Bank of New York. Today, Citibank has over 2,600 branches, spread across 19 countries all over the globe. The Citibank 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, Citibank was one of the first US banks to implement ATM technology in UAE, allowing its customers around 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 the largest issuer of credit cards in the world, with global influence in over 90 countries.

Types of Citibank Credit Cards

The Citibank UAE credit cards are split into four brackets, categorized by the types of benefits offered. Customers can apply for a Citibank credit card at any of the UAE branches or online after registering an account through the Citibank credit card login. Citibank is currently offering up to AED 1,500 to customers who apply for a Citibank UAE credit card online and meet the minimum spending requirement.

The four categories are as follows:

1. Basic Card

Known as the Citi Simplicity Credit Card, this is probably the best credit card in UAE for customers who have little to no prior experience with credit cards.

  • Eligibility: Minimum monthly income of AED 5,000
  • Annual Membership Fee: AED 0*
  • Retail Interest Per Month: 3.50%

Benefits:

  • No annual membership fee
  • No late fee and no over limit fee
  • No cash advance fee – However, the rate of interest will still be charged until the amount has been repaid.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Access to airport lounges at select airports.
  • Tons of ‘buy 1 get 1 free’ offers on hotels, spas, leisure and entertainment events across the Middle East and Africa.
  • Up to 20% discount on select gourmet restaurants.

2. Cashback Card

Citi Cashback Credit Card is the premier Citibank cash back credit card and offers amazing returns on any transaction made with the card.

  • Eligibility: Minimum monthly income of AED 8,000
  • Annual Membership Fee: AED 0*
  • *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.
  • Retail Interest Per Month:3.25%

Benefits:

  • Any transaction made with this Citibank credit card automatically credits a certain cashback amount into the customer’s account. Cashback for international spending lies at 3%, for grocery shopping at 2% and all other expenses at 1%.
  • Access to thousands of airport lounges across the world.
  • Up to 20% discount on select gourmet restaurants.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Complimentary travel insurance.

Rewards Cards

Citibank’s rewards credit cards in UAE are available in great variety, catered to serve customers from all economic segments.

Citi Rewards Credit Card

  •  Eligibility: Minimum monthly income of AED 8,000
  •  Annual Membership Fee: AED 0*
  • *Note that the first year’s fee is waived. From the second year onwards a fee of AED 300 is applicable on the Citibank credit card unless a minimum yearly amount of AED 9,000 has been spent.
  •  Retail Interest Per Month: 3.25%

Benefits:

Citibank Credit card owners are automatically enrolled in a ThankYou rewards program, through which they earn points on every purchase made with local or foreign currency and on hotel bookings at Kaligo.com. For every USD 1 spent in local currency, 1 ThankYou Point is earned. For USD 1 spent in foreign currency, 1.5 ThankYou Points are earned. Every USD 1 spent on hotel bookings earns 10 ThankYou Points. These ThankYou points can be redeemed for travel bookings, hotel reservations, rental cars, flights, purchase of gift vouchers, transfer to other loyalty programs and even to redeem the annual membership fee.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card
  • Up to 20% discount on select gourmet restaurants.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Up to two ‘buy one get one free’ movie tickets every month.
  • Purchase protection.

Citi Premier Credit Card

  •  Eligibility: Minimum monthly income of AED 15,000
  •  Annual Membership Fee: AED 750
  •  Retail Interest Per Month: 3.09%

Benefits:

Citibank credit card owners are automatically enrolled in a ThankYou rewards program, through which they earn points on every purchase made with local or foreign currency and on hotel bookings at Kaligo.com. For every USD 1 spent in local currency, 1.5 ThankYou Point is earned. For USD 1 spent in foreign currency, 2 ThankYou Points are earned. Every USD 1 spent on hotel bookings earns 15 ThankYou Points. These ThankYou points can be redeemed for travel bookings, hotel reservations, rental cars, flights, purchase of gift vouchers, transfer to other loyalty programs and even to redeem the annual membership fee.

This particular Citibank credit card can also redeem ThankYou points for cash.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card holders, as well as one guest each.
  • Up to four ‘buy one get one free’ movie tickets every month.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Up to 20% discount on select gourmet restaurants.
  • Purchase protection.

This particular Citibank UAE credit card is also eligible for the Airport Marhaba Bronze service, which offers one complimentary pass every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.

A complimentary round of gold once every month at premier golf courses in UAE.

Citi Prestige Credit Card

  • Eligibility: Minimum monthly income of AED 30,000
  • Annual Membership Fee: AED 1,500
  • Retail Interest Per Month: 2.79%

Benefits:

Citibank Credit card owners are automatically enrolled in a ThankYou rewards program, through which they earn points on every purchase made with local or foreign currency and on hotel bookings at Kaligo.com. For every USD 1 spent in local currency, 2 ThankYou Point is earned. For USD 1 spent in foreign currency, 3 ThankYou Points are earned. Every USD 1 spent on hotel bookings earns 20 ThankYou Points. Additionally, credit card owners can earn 10,000 ThankYou points on paying a full year of the annual membership fee. These ThankYou points can be redeemed for travel bookings, hotel reservations, rental cars, flights, purchase of gift vouchers, transfer to other loyalty programs and even to redeem the annual membership fee.

This particular Citibank credit card can also redeem ThankYou points for cash.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card holders, as well as one guest each.
  • Up to four ‘buy one get one free’ movie tickets every month.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • A complimentary round of gold once every month at premier golf courses in UAE.
  • Purchase protection.

This particular Citibank UAE credit card is also eligible for the Airport Marhaba Silver service, which offers two complimentary passes every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.

This Citibank credit card offers a Citi Prestige Concierge service, i.e. a tour guide for the city’s most exclusive attractions. The concierge can also help with restaurant and event bookings.

Hotel reservations for 4 consecutive nights that are booked through the Citi Prestige Concierge, earn the fourth night free - on any hotel globally. This service can be availed as many times as needed.

Citi PremierMiles Titanium Credit Card

  • Eligibility: Minimum monthly income of AED 8,000
  • Annual Membership Fee: AED 400
  • Retail Interest Per Month: 3.25%

Benefits:

Citibank credit card owners will be automatically enrolled in a Citi Rewards program. In this program, points or ‘Citi Miles’ can be earned through any purchase made with local or foreign currency. Purchases of USD 1 in local currency earn 1.25 Citi Miles, while purchases of USD 1 in foreign currency earn 1.5 Citi Miles. Citi Miles may be redeemed on gift cards and vouchers exchanged for cash and even used to regain annual membership fee for the Citibank UAE credit card.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card
  • Up to 20% discount on select gourmet restaurants.
  • 5 supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • This particular Citibank UAE credit card is also eligible for the Airport Marhaba Bronze service, which offers one complimentary pass every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.

Citi PremierMiles Signature Credit Card

  • Eligibility: Minimum monthly income of AED 10,000
  • Annual Membership Fee: AED 750
  • Retail Interest Per Month: 3.09%

Benefits:

Citibank credit card owners will be automatically enrolled in a Citi Rewards program. In this program, points or ‘Citi Miles’ can be earned through any purchase made with local or foreign currency. Purchases of USD 1 in local currency earn 1.5 Citi Miles, while purchases of USD 1 in foreign currency earn 2 Citi Miles. Citi Miles may be redeemed on gift cards and vouchers exchanged for cash and even used to regain annual membership fee for the Citibank UAE credit card.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card
  • 5 supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • A complimentary round of gold once every month at premier golf courses in UAE.
  • Up to 20% discount on select gourmet restaurants.
  • Access to an international concierge, who can help make restaurant reservations, book flight tickets and tickets for local attractions.
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • This Citibank credit card offers membership to top hotel loyalty programs, which can be leveraged for free stays, room upgrades and vouchers on dining and leisure activities.

Citi PermierMiles Elite Credit Card

  • Eligibility: Minimum monthly income of AED 30,000
  • Annual Membership Fee: AED 1,500
  • Retail Interest Per Month: 3.09%

Benefits:

Citibank credit card owners will be automatically enrolled in a Citi Rewards program. In this program, points or ‘Citi Miles’ can be earned through any purchase made with local or foreign currency. Purchases of USD 1 in local currency earn 2 Citi Miles, while purchases of USD 1 in foreign currency earn 3 Citi Miles. Citi Miles may be redeemed on gift cards and vouchers, exchanged for cash and even used to regain annual membership fee for the Citibank UAE credit card.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card holders, as well as one guest each.
  • 5 supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • A complimentary round of gold once every month at premier golf courses in UAE.
  • Up to 20% discount on select gourmet restaurants.
  • Access to an international concierge, who can help make restaurant reservations, book flight tickets and tickets for local attractions.
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • This Citibank credit card offers membership to top hotel loyalty programs, which can be leveraged for free stays, room upgrades and vouchers on dining and leisure activities.

Citi Life Silver Credit Card

  • Eligibility: -
  • Annual Membership Fee: AED 150
  • Retail Interest Per Month: 3.25%

Benefits:

Citibank credit card owners are automatically enrolled in the Citi Rewards programs, through which they collect CitiDollars. These CitiDollars can be earned by making purchases in local currency only. For every AED 1 spent, the Citibank UAE credit card holder earns 1 CitiDollar. CitiDollars can be redeemed for gift cards and vouchers exchanged for points in other loyalty programs and even used to redeem the annual membership fee.

  • Up to 20% discount on select gourmet restaurants.
  • 5 supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Discounts and offers on airline tickets, hotel bookings, car rentals and other travel-related

Citi Life Gold Credit Card

  • Eligibility: -
  • Annual Membership Fee: AED 300
  • Retail Interest Per Month: 3.25%

Benefits:

Citibank credit card owners are automatically enrolled in the Citi Rewards programs, through which they collect CitiDollars. These CitiDollars can be earned by making purchases in local currency only. For every AED 1 spent, the Citibank UAE credit card holder earns 1.5 CitiDollar. CitiDollars can be redeemed for gift cards and vouchers exchanged for points in other loyalty programs and even used to redeem the annual membership fee.

  • Up to 20% discount on select gourmet restaurants.
  • 5 supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Discounts and offers on airline tickets, hotel bookings, car rentals and other travel-related

    Citi Life Platinum Visa Credit Card
  • Eligibility: Minimum monthly income of AED 8,000
  • Annual Membership Fee: AED 300
  • Retail Interest Per Month: 3.25%

Benefits:

Citibank credit card owners are automatically enrolled in the Citi Rewards programs, through which they collect CitiDollars. These CitiDollars can be earned by making purchases in local and foreign currency. For every AED 1 spent in local currency, the Citibank UAE credit card holder earns 1.5 CitiDollar. For every AED 1 spent in foreign currency, 2.5 CitiDollars are earned. CitiDollars can be redeemed for gift cards and vouchers exchanged for points in other loyalty programs and even used to redeem the annual membership fee.

  • Access to airport lounges at select airports for you and supplementary Citibank credit card
  • Up to 20% discount on select gourmet restaurants.
  • 5 supplementary best credit cards for the family, which can be set with a pre-defined spending limit.
  • Discounts on airline tickets and select hotel bookings made through the Citi Travel Privileges portal.
  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 2 times a month.

Citi Life World Elite MasterCard Credit Card

  • Eligibility: -
  • Annual Membership Fee: AED 600
  • Retail Interest Per Month: 3.09%

Benefits:

Citibank credit card owners are automatically enrolled in the Citi Rewards programs, through which they collect CitiDollars. These CitiDollars can be earned by making purchases in local and foreign currency. For every AED 1 spent in local currency, the Citibank UAE credit card holder earns 2 CitiDollar. For every AED 1 spent in foreign currency, 3 CitiDollars are earned. CitiDollars can be redeemed for gift cards and vouchers exchanged for points in other loyalty programs and even used to redeem the annual membership fee.

  • Access to airport lounges in over 850 airports for you and supplementary Citibank credit card holders, as well as one guest each.
  • Up to 20% discount on select gourmet restaurants.
  • A complimentary round of gold once every month at premier golf courses in UAE.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Access to an international concierge, who can help make restaurant reservations, book flight tickets and tickets for local attractions.
  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 2 times a month.
  • This particular Citibank UAE credit card is also eligible for the Airport Marhaba Bronze service, which offers two complimentary passes every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.

Citi Life Platinum MasterCard Credit Card

  • Eligibility: Minimum monthly income of AED 8,000
  • Annual Membership Fee: AED 300
  • Retail Interest Per Month: 3.25%

Benefits:

Citibank Credit card owners are automatically enrolled in the Citi Rewards programs, through which they collect CitiDollars. These CitiDollars can be earned by making purchases in local and foreign currency, or by making hotel bookings at Kaligo.com. For every AED 1 spent in local currency, the Citibank UAE credit card holder earns 1.5 CitiDollar. For every AED 1 spent in foreign currency, 2.5 CitiDollars are earned. Hotel bookings at Kaligo.com earn 20 CitiDollars on every AED 1 spent. CitiDollars can be redeemed for gift cards and vouchers exchanged for points in other loyalty programs and even used to redeem the annual membership fee.

  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 2 times a month.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Access to airport lounges in over 850 airports for you and supplementary Citibank credit card
  • Up to 20% discount on select gourmet restaurants.
  • Tons of ‘buy one get one free’ offers on hotels, restaurants, entertainment and leisure activities in the Middle East and Africa.

Citi Life Visa Infinite Credit Card

  • Eligibility: Minimum monthly income of AED 18,000
  • Annual Membership Fee: AED 600
  • Retail Interest Per Month: 3.09%

Benefits:

Citibank credit card owners are automatically enrolled in the Citi Rewards programs, through which they collect CitiDollars. These CitiDollars can be earned by making purchases in local and foreign currency. For every AED 1 spent in local currency, the Citibank UAE credit card holder earns 2 CitiDollar. For every AED 1 spent in foreign currency, 3 CitiDollars are earned. CitiDollars can be redeemed for gift cards and vouchers exchanged for points in other loyalty programs and even used to redeem the annual membership fee.

  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 2 times a month.
  • 5 supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Access to airport lounges in over 850 airports for you and supplementary Citibank credit card holders, as well as one guest each.
  • Up to 20% discount on select gourmet restaurants.
  • Discounts on airline tickets and select hotel bookings made through the Citi Travel Privileges portal.
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • A complimentary round of gold once every month at premier golf courses in UAE.
  • Access to an international concierge, who can help make restaurant reservations, book flight tickets and tickets for local attractions.

Emirates Cards

This line of Citibank Emirates credit cards is chock full of benefits, including the extremely attractive Skywards Miles rewards.

Emirates-Citibank Gold Credit Card

  • Eligibility: Minimum monthly income of AED 8,000
  • Annual Membership Fee: AED 400
  • Retail Interest Per Month: 3.25%

Benefits

  • Citibank Emirates credit cards are eligible to earn Skywards Miles up to a set limit on all transactions made in local or foreign currency. Cardholders earn 0.75 Skywards Miles for every USD 1 spent in local currency and 1 Skywards Mile for every USD 1 spent in foreign currency. Skywards Miles are valid for 3 years. Note that the Citibank Emirates credit card holders will earn only 50% of the stated Skywards Miles on grocery items and real estate. Skywards Miles can be used to purchase flight tickets and to upgrade from Economy to Business Class or from Business to First Class on Emirates flights. Miles may also be used for retail shopping, car rentals and to shop for luxury items at Emirates High Street.
  • Access to select airport lounges for you and supplementary Citibank credit card
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • Up to 20% discount on select gourmet restaurants.
  • UAE residents are eligible for a 0% interest on Emirates tickets, for up to 3 months.

Emirates-Citibank World Credit Card

  • Eligibility: Minimum monthly income of AED 12,000
  • Annual Membership Fee: AED 400
  • Retail Interest Per Month: 3.25%

Benefits

  • Citibank Emirates credit cards are eligible to earn Skywards Miles up to a set limit on all transactions made in local or foreign currency. Cardholders earn 0.75 Skywards Miles for every USD 1 spent in local currency and 1 Skywards Mile for every USD 1 spent in foreign currency. Skywards Miles are valid for 3 years.
  • Note that the Citibank Emirates credit card holders will earn only 50% of the stated Skywards Miles on grocery items and real estate. Skywards Miles can be used to purchase flight tickets and to upgrade from Economy to Business Class or from Business to First Class on Emirates flights. Miles may also be used for retail shopping, car rentals and to shop for luxury items at Emirates High Street.
  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 2 times a month.
  • Access to airport lounges in over 1000 airports for you and supplementary Citibank credit card
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • This particular Citibank UAE credit card is also eligible for the Airport Marhaba Bronze service, which offers one complimentary pass every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.
  • Up to 20% discount on select gourmet restaurants.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • UAE residents are eligible for a 0% interest on Emirates tickets, for up to 3 months.

Emirates-Citibank Ultimate Credit Card

  • Eligibility: Minimum monthly income of AED 18,000
  • Annual Membership Fee: AED 800
  • Retail Interest Per Month: 3.09%

Benefits

  • Citibank Emirates credit cards are eligible to earn Skywards Miles up to a set limit on all transactions made in local or foreign currency. Cardholders earn 0.75 Skywards Miles for every USD 1 spent in local currency and 1 Skywards Mile for every USD 1 spent in foreign currency. Skywards Miles are valid for 3 years.
  • Note that the Citibank Emirates credit card holders will earn only 50% of the stated Skywards Miles on grocery items and real estate. Skywards Miles can be used to purchase flight tickets and to upgrade from
  • Economy to Business Class or from Business to First Class on Emirates flights. Miles may also be used for retail shopping, car rentals and to shop for luxury items at Emirates High Street.
    Up to 20% discount on select gourmet restaurants.
  • Access to airport lounges in over 1000 airports for you and supplementary Citibank credit card holders, as well as one guest per each cardholder.
  • A complimentary round of gold once every month at premier golf courses in UAE.
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit.
  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 4 times a month.
  • The Emirates Citibank Ultimate credit card is also eligible for the Airport Marhaba Bronze service, which offers one complimentary pass every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.
  • UAE residents are eligible for a 0% interest on Emirates tickets, for up to 3 months.
    This Citibank credit card offers an international concierge service, i.e. a tour guide for the city’s most exclusive attractions. The concierge can also help with restaurant and event bookings.
  • A complimentary night’s stay at Starwood Hotels and Resorts when booking for 2-3 consecutive nights, at select branches. Emirates Citibank Ultimate credit card holders, who book for 4 consecutive nights will get 2 complimentary night’s stay.
  • Cardholders receive free Discovery Black-level membership in over 550 hotels belonging to the Global Hotel Alliance loyalty program. The alliance includes hotels such as Kempinski, Corinthia and many more. Cardholders also enjoy benefits of early check-ins, late check-outs and room upgrades.

Emirates-Citibank Ultima Credit Card

  • Eligibility: Minimum monthly income of AED 36,750
  • Annual Membership Fee: AED 3,000
  • Retail Interest Per Month: 2.99%

Benefits

  • Citibank Emirates credit cards are eligible to earn Skywards Miles up to a set limit on all transactions made in local or foreign currency and on ticket purchases through Emirates.com. Cardholders earn 1 Skywards Miles for every USD 1 spent in local currency, 1.5 Skywards Mile for every USD 1 spent in foreign currency and 2.5 Skywards Miles per USD spent on ticket purchases through Emirates.com. Skywards Miles are valid for 3 years.
  • Note that the Citibank Emirates credit card holders will earn only 50% of the stated Skywards Miles on grocery items and real estate. Skywards Miles can be used to purchase flight tickets and to upgrade from Economy to Business Class or from Business to First Class on Emirates flights.
  • Miles may also be used for retail shopping, car rentals and to shop for luxury items at Emirates High Street.
    Owners of this particular Citibank Emirates credit card also receive 25,000 bonus Skywards Miles on sign up and an additional 10,000 Skywards Miles when they complete payment of a year’s annual membership fee.
  • This Citibank card also provides the primary cardholder with membership to Skywards Silver, which carries benefits such as bonus miles, excess baggage allowance and priority check-in.
  • Access to airport lounges in over 1000 airports for you and supplementary Citibank credit card holders, as well as one guest per each cardholder.
  • Unlimited supplementary Citibank credit cards for the family, which can be set with a pre-defined spending limit. Each supplementary cardholder gets one free guest pass. The primary the Citibank Emirates credit card holder’s card is provided in an exclusive full-metal format.
  • Up to 20% discount on select gourmet restaurants.
  • Limitless access to premium golf ranges for the Citibank Emirates credit card owner and supplementary cardholders on weekdays, as well as a complimentary round of golf any day of the week, once every month.
  • Avail the ‘buy one, get one free’ offer for movie tickets purchased online through the VOX app, up to 4 times a month.
  • The Emirates Citibank Ultimate credit card is also eligible for the Airport Marhaba Silver service, which offers two complimentary passes every year. A Marhaba representative will fast track you through immigration and security and escort you into the arrivals hall.
  • Complimentary travel insurance, including accident cover and inconvenience cover for lost baggage and delayed, cancelled or missed flights.
  • This Citibank credit card offers an international concierge service, i.e. a tour guide for the city’s most exclusive attractions. The concierge can also help with restaurant and event bookings.
  • A complimentary night’s stay at Starwood Hotels and Resorts when booking for 2-3 consecutive nights, at select branches. Emirates Citibank Ultimate credit card holders, who book for 4 consecutive nights will get 2 complimentary night’s stay.
  • UAE residents are eligible for a 0% interest on Emirates tickets, for up to 3 months.
  • Cardholders receive free Discovery Black-level membership in over 550 hotels belonging to the Global Hotel Alliance loyalty program. The alliance includes hotels such as Kempinski, Corinthia and many more. Cardholders also enjoy benefits of early check-ins, late check-outs and room upgrades.

Features & Benefits

Much like the name suggests, a credit card extends a line of credit to its customers, allowing them to spend with the promise of paying later. However, the benefits of a credit card are not limited to these loan-like features. Citibank credit cards are available in a wide variety of options, each with their own defined credit limit and card specific benefits.

Citibank UAE credit 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 you opt for, some of the many benefits that Citibank credit cards in UAE offer are:

Cash Back - Every time you make a transaction using a Citibank credit card, you earn reward points. These reward points can then be claimed as cold hard cash, which is credited directly into your account. As one of the best credit cards in UAE, the Citibank credit card even offers cash back specific card. This Citibank cash back card offers a guaranteed return on every single transaction you make, with no limit and regardless of whether or not the store you are shopping at even has a cashback

Air Miles - For those who fly a lot, whether for business or for pleasure, air miles are the most advantageous feature a Citibank credit card offers. Some of the Citibank UAE credit cards let the customer earn skyward miles per unit of currency spent (which is usually more on foreign currency). These miles can be redeemed on flight tickets, to upgrade from economy to business or business to first class and even for shopping at select venues.

Airport Lounge Access - Spend your waiting time at an airport in luxurious lounges across thousands of locations with a Citibank credit card. Economy ticket holders are also given the same privilege. Depending on which Citibank UAE credit card you own, you may also be entitled to one free guest.

Cinema Offers - Movie - goers rejoice, as certain Citibank UAE credit cards can be availed across VOX cinemas all over the nation, for up to four ‘buy one- get one free’ movie tickets every month.

Golf Benefits - UAE is home to some of the most stunning golf courses in the world. With a Citibank UAE credit card in hand, you can gain access to the manicured greens at prestigious golfing locations across the country. On spending a minimum of AED 5,000 per month with certain Citibank credit cards, customers can enjoy limitless free golfing on weekdays and a complimentary round of golf once every month on weekends.

Travel Gains - Well-travelled customers often hail the Citibank credit card as the best credit card in UAE, due to the incredible travel benefits it provides. Starting from cash backs on world-class hotel bookings all over the world, Citibank credit cards also let customers rapidly rack up reward points overnight on hotel stays and provide amazing deals on international events and cuisine. Furthermore, travel benefits also include discounted car rentals and complimentary travel insurance.

Rewards & Offers - From discounts on high-end gourmet meals to promotions on furniture and grocery shopping, Citibank UAE credit 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 spenders. 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

Security Advantage - Recognized as the best information security and fraud management financial institute in 2018 by the Global Finance Awards, Citibank credit cards are known for their reliability. Citibank implements a phenomenal early warning fraud detection program, monitoring and protecting all its issued credit cards in UAE. Additionally, the zero liability policy on lost Citibank credit cards ensures that customers do not bear charges on lost or stolen cards and that the card is returned within 2-4 working days anywhere in the world.

Purchase Protection - Offered on select Citibank UAE credit cards, purchase protection can be a buyer’s best friend. These Citibank credit card 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.


Citibank Credit Card Interest Rates & Annual Membership Fees

Given below are the consolidated figures for all Citibank UAE credit cards.

Category

Card Name

Retail Monthly Interest Rate (in %)

Annual Membership Fee (in AED)

Minimum Monthly Income Required (in AED)

Basic Card

Citi Simplicity Credit Card

3.5

0.00

5,000.00

Cashback Card

Citi Cashback Credit Card

3.25

0.00*

8,000.00

Rewards Card

 

 

 

 

 

 

 

 

 

 

 

Citi Rewards Credit Card

3.25

0.00*

8,000.00

Citi Life Silver Credit Card

3.25

150.00

-

Citi Life Gold Credit Card

3.25

300.00

-

Citi Life Platinum Visa Credit Card

3.25

300.00

8,000.00

Citi Life Platinum MasterCard Credit Card

3.25

300.00

8,000.00

Citi PremierMiles Titanium Credit Card

3.25

400.00

8,000.00

Citi Life World Elite MasterCard Credit Card

3.09

600.00

-

Citi Life Visa Infinite Credit Card

3.09

600.00

18,000.00

Citi PremierMiles Signature Credit Card

3.09

750.00

10,000.00

Citi Premier Credit Card

3.09

750.00

15,000.00

Citi Prestige Credit Card

2.79

1,500.00

30,000.00

Citi PermierMiles Elite Credit Card

3.09

1,500.00

30,000.00

Emirates Cards

 

 

 

Emirates-Citibank Gold Credit Card

3.25

400.00

8,000.00

Emirates-Citibank World Credit Card

3.25

400.00

12,000.00

Emirates-Citibank Ultimate Credit Card

3.09

800.00

18,000.00

Emirates-Citibank Ultima Credit Card

2.99

3,000.00

36,750.00

 (Updated as of January 2019)


*Note that the first year’s fee is waived. From the second year onwards a fee of AED 300 is applicable on the Citibank credit card unless a minimum yearly amount of AED 9,000 has been spent.


Citibank Credit Card Eligibility Criteria

A number of factors can affect your eligibility for a Citibank UAE credit card. The following have the greatest impact on your Citibank credit card application:

Age- To apply for a Citibank UAE credit card you must be at least 21 years of age. The upper 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- Applicants are required to show an independent source of income. Most Citibank credit cards also require a minimum of one year’s work experience.
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 copies.
Address Proof-A valid mailing address is also required to complete the application process. This may be shown in the form of utility bills.
Credit History-All Citibank UAE credit card owners are run through an extensive background check of their credit history. Poor credit history may result in a rejected application.
Residency-It is pretty difficult for applicants without a UAE residency to get Citibank UAE credit cards, however, it is not entirely impossible. The process is long and the eligibility criteria are far stricter.


Citibank Credit Cards Sorted by Salary

Category

Card Name

Minimum Monthly Income Required (in AED)

Basic Card

Citi Simplicity Credit Card

5,000.00

Cashback Card

Citi Cashback Credit Card

8,000.00

Rewards Card

 

 

 

 

 

 

 

 

 

 

 

Citi Life Silver Credit Card

-

Citi Life Gold Credit Card

-

Citi Life World Elite MasterCard Credit Card

-

Citi Rewards Credit Card

8,000.00

Citi Life Platinum Visa Credit Card

8,000.00

Citi Life Platinum MasterCard Credit Card

8,000.00

Citi PremierMiles Titanium Credit Card

8,000.00

Citi PremierMiles Signature Credit Card

10,000.00

Citi Premier Credit Card

15,000.00

Citi Life Visa Infinite Credit Card

18,000.00

Citi Prestige Credit Card

30,000.00

Citi PermierMiles Elite Credit Card

30,000.00

Emirates Cards

 

 

 

Emirates-Citibank Gold Credit Card

8,000.00

Emirates-Citibank World Credit Card

12,000.00

Emirates-Citibank Ultimate Credit Card

18,000.00

Emirates-Citibank Ultima Credit Card

36,750.00

(Updated as of January 2019)


How to apply for a Citibank UAE Credit Card?

There are two ways to apply for a Citibank UAE credit card; online and in-person. Applicants can simply walk into any Citibank branch in UAE with all the necessary documentation to begin their Citibank card application process, or can head online to apply through the Citibank UAE website. 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.

Required documentation is further split into two categories based on nationality.

For UAE Nationals & GCC Nationals that have UAE residency

  • UAE nationals can apply for a Citibank credit card with the following documents:
  • An Emirates ID
  • Either a passport copy or any of the following documents-
  • A UAE Driving license
  • Copy of their labour card (available online)
  • Utility Bills (within the last 3 months)
  • Copy of Employment card issued by the UAE government
  • Bank statement (within the last 3 months)
  • Title deed (in name of the applicant) or a contract for a current tenancy

For other nationalities with UAE residency

  • Applicants of other nationalities will require the following documents to initiate their Citibank UAE credit card
  • An Emirates ID
  • A passport copy
  • Either a UAE visa or any of the following documents-
  • A UAE Driving license
  • Copy of their labour card (available online)
  • Utility Bills (within the last 3 months)
  • Copy of Employment card issued by the UAE government
  • Bank statement (within the last 3 months)
  • Title deed (in name of the applicant) or a contract for a current tenancy

Citibank UAE Credit Card Interest Rates

Like most credit cards, Citibank credit cards come with two associated interests; retail interest rates and cash 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 (usually every year). Cash interest rates, on the other hand, are charged on any withdrawals 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

3.5

3.5

Citi Life Silver

3.25

3.25

Citi Life Platinum / Gold

3.25

3.25

Citi Life World Elite/Infinite

3.09

3.25

Citi PremierMiles Titanium

3.25

3.25

Citi PremierMiles World/Platinum/Signature

3.09

3.25

Citi PremierMiles Elite

3.09

3.25

Citi Cashback

3.25

3.25

Citi Rewards

3.25

3.25

Citi Premier

3.09

3.25

Citi Prestige

2.79

2.99

Emirates-Citibank World/Titanium/Gold

3.25

3.25

Emirates-Citibank Ultimate

3.09

3.25

Emirates-Citibank Ultima Visa/Ultimate MasterCard

2.99

2.99

(Updated as of January 2019)


Citibank Credit Card Limit

A Citibank UAE credit card owner’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. Credit limit increases can be requested on a temporary or a permanent basis, and the cardholder is required to provide a reason for the same.

Charges on Citibank Credit Cards

  • Responsible Citibank credit card holders make it a point to understand the various charges applicable on their card before making use of it. Some examples of charges on Citibank cards include:
  • Check Collection Charges
  • Issuance Charges on Manager’s Checks and Demand Drafts
  • ATM charges
  • Check Book charges
  • Foreign Exchange Charges
  • Courier charges
  • Paper statement charges
  • Cash Advance charges
  • Late charges
  • Over limit charges
  • Loan charges
  • Bank Reference charges
  • The full list of Citibank UAE credit card charges can be found online.

Cancelling Your Citibank Credit Card

To prevent charges from accumulating on an unused Citibank credit card, cardholders should immediately begin the cancellation process.

Before you cut your Citibank card in half, you need to talk to a Citibank representative and request for cancellation. The bank may also require you to send a written confirmation of the same. You will also be required to pay all due amounts and accrued charges on the card before cancellation. Don’t forget to utilize any remaining reward points.

  • Note that Citibank may also cancel your card from their end if
  • It has been inactive for a defined period of time (usually 12 months), or
  • If you have continuously missed payments on the card or made use of it for unlawful activities.

Why Choose Citibank?

Citibank has a long history of success in the financial sector as an innovative and customer friendly institution. Citibank UAE credit cards are a prime example of their commitment to customers from all economic standings.

Variety- Ranging from the super savings Citibank Cash Back credit card to the high profile Citibank Emirates credit cards, Citibank has managed to create a category for all types of spenders. Their vast varieties of options allow customers to pick a card that suits their lifestyle 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, Citibank has managed to capture the most relevant features across their line of credit cards.
Integrity- 50 years of banking is no small feat. Citibank credit cards have withstood the test of time, providing customers with reliable and transparent services year after year.
Accessibility- With over 2,600 branches in 19 countries, Citibank provides a seamlessly connected experience anywhere you go. Citibank credit cards are one of the highest selling cards in UAE today. Citibank offers customers access to 3 branches and 60 ATMs across the nation.
Stability- The Citi group has 200 years of experience in banking, during which they have weathered many financial crises and industry disruptions. Citibank credit cards are a safe and stable bet.
Benefits-First class benefits and tie-ups with top name brands such as Emirates, Kempinski and more have created extremely rewarding opportunities for Citibank credit card Citibank’s aforementioned benefits are some of the best in the world.

Citibank Credit Card FAQs

Q.1. What are supplementary cards?

Supplementary cards, also known as add-on cards, are credit cards that are offered to family members of the primary cardholder.  Supplementary cards function exactly like a normal credit 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 Citibank credit cards offer 5 supplementary cards free of charge as a benefit, while some even offer unlimited cards for family members.

Q.2. What is a late fee?

Typically a credit card provider will charge customers an annual membership fee and interest on purchases made on borrowed credit. These charges are seen as minimum monthly payments that the customer is expected to make by a specified date. If you have not made the payment by this due date, you are charged a late 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 on time every month, as late fees will also negatively affect your credit history.

Certain Citibank UAE credit cards do not charge any late fees, such as the Simplicity credit card.

Q.3. What is an over-limit fee?

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.

Citibank credit card owners with a Simplicity card are not charged any over-limit fees.

Q.4. What is a cash advance?

Any cash withdrawal made from an ATM or a branch with the credit card is referred to as a cash advance. Credit cards charge high interest rates 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 itsel

Once again, Citibank credit card customers with a Simplicity card are not charged any cash advance fees.

Q.5. What am I supposed to do if my credit card is stolen or lost?

Lost or stolen credit cards need to be reported to a bank representative as soon as possible. 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 UAE and in 4 working days for places outside UAE.

Q.6. How do I gain access to airport lounges using my credit card?

Not all credit cards offer airport lounge access. Ensure that your card has lounge access benefits or you may be charged during 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.

You can find out which airport lounges your particular Citibank card can access online.

Q.7. What are instalment plans and how do I book one?

An instalment plan allows cardholders to pay for big amount purchases in smaller instalments over an agreed upon a number of months (or tenor). In other words, customers can purchase items within their credit limit and pay off the full amount over a period of time. Many banks also offer zero interest instalments, which charge no additional amount for these monthly instalments. However, you should confirm whether the selected vendor is covered by the bank before making a purchase, to avail the benefits of an instalment plan.

Citibank offers zero interest instalment services by the name of Easy Installment Plans. To see if a purchase made through your Citibank UAE credit card qualifies for an instalment plan, fill in the form found online.

Q.8. What services can I access through online banking?

Online banking makes day to day transactions and query resolutions a breeze. Some of the many features of online banking are as follows:

  • Account Balance & Statement
  • Transaction History
  • Fund Transfers: To accounts of the same bank, in other banks and even overseas
  • Pay Bills
  • Add Beneficiaries & Manage Investments
  • Add & Modify Personal Information
  • Block & Cancel Cards
  • Schedule Fund Transfers
  • Create Activity Alerts and a lot more.
  • You can find the Citibank credit card login online.

Q.9. Will I earn loyalty points on online purchases as well?

Yes, any purchases made through your credit card are liable for loyalty points. These purchases can be made in person or online. To ensure you are earning points, first confirm whether your credit card grants 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 card holders are automatically enrolled into loyalty programs, where applicable.

Q.10. Where do I make my credit card payments?

Credit cardholders have to make minimum monthly payments by a specified payment due date, to avoid late fees and delinquencies in their credit history. These payments can be made in a variety of ways, depending on the bank. They can be made:

  • Through online transfers
  • Through automatic monthly payments (also known as a direct debit)
  • Through ATM deposits (in cash or by cheque)
  • Through a UAE fund transfer system (UAEFTS)
  • Additional details on making online payments for your Citibank credit card can be found online.