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Citibank Credit Card Eligibility

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Citibank, initially known as the Citi Bank of New York, was established in 1812. With over 2,600 branches in more than 19 countries across the globe, the bank launched its first branch in the UAE in 1964. 

Citibank is widely recognised in the UAE for offering a variety of financial solutions like bank accounts, fixed deposits, credit cards, loans, mortgages, wealth management services, insurance, and more to both individual and corporate clients.

While Citibank offers credit cards for various purposes (and with different discounts and rewards), it should be remembered that Citibank credit cards come with specific eligibility requirements that must be fulfilled when you want to apply for one. The article covers the top Citibank credit cards eligibility criteria and factors affecting them. Moreover, you can learn here how to enhance your Citibank credit card eligibility in no time. 

Citibank Credit Card Eligibility in the UAE

Find below the standard Citibank credit card eligibility criteria you need to meet when applying for the one that suits your financial requirements.

  • The applicant must be a UAE resident.
  • The applicant must meet the minimum monthly income requirement of their chosen Dubai Islamic Credit Card.
  • The applicant must have a healthy relationship with their current bank.
  • The applicant must have a good credit score and a positive repayment history.

Top Citibank Credit Cards Eligibility Criteria

Emirates Citibank Ultima Credit Card    

Emirates Citibank Ultima Credit Card

Airport Lounge Access
  • Minimum Salary AED 36,000
  • Annual Fee AED 3,000
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit

Eligibility Criteria

  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.
  • The applicant must have a minimum monthly income of AED 36,750.

Citi Prestige Credit Card    

Citibank Citi Prestige Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Golf Benefits

Eligibility Criteria

  • Must be a UAE resident 
  • Must have a good credit score
  • Minimum monthly income of AED 30,000 required

Emirates Citibank Ultimate Credit Card  

Emirates Citibank Ultimate Credit Card

Airport Lounge Access
  • Minimum Salary AED 18,000
  • Annual Fee AED 800
  • Golf Benefit
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Special Discounts

Eligibility Criteria 

  • Must be a UAE resident
  • Good credit score required
  • Must have a minimum monthly income of AED 18,000

Citi Premier Credit Card    

Citibank Citi Premier Credit Card

Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 750
  • Free for 1st year
  • Airport Lounge Access
  • Mobie Discounts
  • Dining Benefit
  • Golf Benefits

Eligibility Criteria

  • Must be a UAE resident
  • Must have a good credit score
  • Minimum monthly income of AED 15,000 required

Citi Cashback Credit Card    

Citibank Citi Cashback Credit Card

Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 300
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection & Extended Warranty
  • Dining Benefit

Eligibility Criteria

  • Must be a UAE resident
  • Good credit score required
  • Minimum monthly income of AED 8,000 required

Citi Rewards Credit Card    

Citibank Citi Rewards Credit Card

Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 300
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Free for 1st year

Eligibility Criteria

  • Must be a UAE resident
  • Must have a good credit score.
  • Minimum monthly income of AED 8,000 required

Citi Simplicity Credit Card    

Citibank Citi Simplicity Credit Card

Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection & Extended Warranty
  • Dining Benefit
  • Free for life

Eligibility Criteria

  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.
  • The applicant must have a minimum monthly income of AED 5,000.

Documents Required to Apply for Citibank Credit Cards

Here are the documents required to apply for Citibank Credit Cards.

  • Identity Verification – Emirates ID – Original and a copy
  • Residency Verification – A valid Passport with an active residency visa  – Original and a copy
  • Employment Verification – Salary Letter/Appointment Letter – Original and a copy
  • Address Verification – Utility Bill/Contract of Tenancy – Original and a copy
  • Income Verification for salaried applicants – Bank Statement/ Salary Slips for the previous three months – Original and a copy of each
  • Income Verification for self-employed applicants – Bank Statement/ Salary Slips for the previous three months – Original and a copy of each

Factors Affecting Citibank Credit Card Eligibility

Here are a few major factors that affect your Citibank credit card eligibility in different ways.

  • Monthly Income: A regular monthly income is a favourable aspect as it shows the banks that you are financially stable and capable of managing your dues. Moreover, based on your preferred Citibank credit card and the requisite eligibility criteria, you must meet the minimum income requirement.
  • Age: Your age also affects your Citibank credit card eligibility, with the cards having specific minimum and maximum age requirements. You can call the bank’s help and support line to find the minimum age criteria for your desired credit card.
  • Debt Repayment: Debt repayment history is a major factor that can help increase your chances of getting a credit card. If you pay your debts on time, you show the banks that you are a responsible borrower who makes no delay in clearing out the dues, and who can be expected to continue the same punctuality in making the repayments.
  • Credit Score: Your credit score in the UAE is calculated as per different factors like your credit usage, repayment history, number of active loans, and more. Besides helping you get a credit card without any hassle, a good credit score can also help you get higher credit limits.
  • Credit Settlement: When you do not pay your debts on time, they get piled up and become difficult to settle with full payment. The reduced amount of settlement that most borrowers opt for in such cases surely helps them get rid of their dues. However, it also hits their credit scores.

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Simple Ways to Improve Citibank Credit Card Eligibility

Here are a few simple ways you can implement to improve your Citibank credit card eligibility.

  • Repay your debts in time and improve your credit score to increase the chances of getting your credit card application approved.
  • A lower number of credit inquiries can also help you improve your Citibank credit card eligibility. Consequently, it is recommended to avoid calling the bank’s help and support team for regular credit inquiries. However, you can visit online portals such as the bank’s website or our credit cards section for the same. 
  • Stating all your income resources in the Citibank credit card application can also help you improve your eligibility. With such details, the bank gets to know that you get enough funds every month to pay for your dues.

Other Bank's Credit Card Eligibility

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Emirates NBD Credit Card Eligibility FAB Credit Card Eligibility
SIB Credit Card Eligibility HSBC Credit Card Eligibility

FAQ's

How can I apply for a Citibank credit card online?

If you are a new Citibank customer, you can visit the bank’s website and fill out the application to apply for your chosen Citibank credit card. On the flip side, if you are an existing banking customer, you can simply log in to the bank’s online or mobile banking portal to apply for a credit card online. In both cases, you need to provide a set of essential documents to support the information provided.

Being a self-employed individual, am I eligible for a Citibank credit card?

Yes, you are eligible to apply for a Citibank credit card if you have a valid trade license. Additionally, you must meet the minimum income criteria of your chosen credit card. You can visit our credit cards section to check your desired Citibank credit card eligibility criteria in just a few clicks.

How do I apply for a Citibank credit card?

There are both online and offline methods to apply for a Citibank credit card. To apply online, you can visit the bank’s website and fill out the application form. As an existing banking customer, you can also access the online or mobile banking portal to apply for a Citibank credit card. However, when planning to apply offline, you can visit any of the nearest Citibank branches and follow the same process. 

How do I check my Citibank credit card eligibility?

There are multiple ways of checking your Citibank credit card eligibility. You can either visit the bank’s website, or our credit cards section to find the required information. You can also call the bank’s customer service helpline or visit the nearest branch to check the eligibility criteria. As per Citibank, you must be a UAE resident with a good credit score to get a credit card.

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