Emirates Citibank Ultima Credit Card

There are more than 200 credit card options available in the UAE. While UAE residents and expats have so many options to select from, selecting the best credit card can be a hectic task. Each card comes loaded with various benefits and offers. This is why so many people in the UAE opt for credit cards.

A credit card is a boon for the modern lifestyle. It helps the cardholder to earn points while they shop using the credit card. It has revamped the way people shop in the UAE. It provides an ultimate shopping experience to the cardholders. Some credit cards attract a yearly membership fee while some waive off the membership fees if the cardholder spends a pre-decided amount using the credit card. Keeping the offered benefits in mind, paying the membership fee of a credit card is totally worth it.

About Emirates Citibank Ultima Credit Card

It enables the cardholders to enjoy various exclusive benefits. Upon spending the card, it rewards them with guaranteed best Skywards Miles earn rate.

With their everyday spend, the card member can earn more than 1,50,000 Skywards miles on a yearly basis. With the exclusive offered benefits, the Metal Card enables the cardholder to save more than AED 50,000 on a yearly basis. With per USD spending, they can earn up to 2.5 Skywards Mile.

Features of Emirates Citibank Ultima Card

Here are the features of Emirates Citibank Ultima Credit Card:

1. Perks of Buying Online

When a card member signs up for the card, as a signup benefit they get a statement credit worth AED 1,500. Additionally, they get 25,000 Skywards Miles as a sign-up bonus.

2. Extra Skywards Miles

The card member can enjoy 25,000 Skywards Miles as a sign-up bonus. Upon paying the annual membership fee, they can enjoy 10,000 Skyward Miles. When cardholder has paid the membership fee, the credited Skyward Miles will be reflected in their account.

3. International Concierge

Around the clock, the cardholder can avail International concierge service in order to avail assistance for planning their dinner reservations or book airline tickets, theatre tickets etc. To make reservations, the cardholder can get in touch with World EliteTM Mastercard Concierge.

4. Travel Insurance

The cardholder is entitled to avail complimentary travel accident cover along with inconvenience compensation caused due to missed/ delayed flights and checked-in luggage. The insurance coverage is provided for the tickets booked with the Emirates Citibank Ultima Credit Card.

5. Complimentary Hotel Nights at Starwood Hotels and Resorts

When the cardholder books two nights, they get the third night free. When they book three nights, they get the fourth night free. When they book four nights, they get the fifth and sixth night free. The offer can be availed worldwide at the following:

  • Starwood Hotels and Resorts properties
  • Le Méridien
  • Regis
  • Luxury Collection
  • Sheraton
  • Westin
  • W Hotels

Benefits of Emirates Citibank Ultima Credit Card

Here are the benefits of the Emirates Citibank Ultima Credit Card:

1. Access to Airport Lounge

The cardholder will get access to more than 1000 airport lounges across the globe on an unlimited complimentary basis. The primary cardholder as well as the supplementary cardholder(s) get can bring one guest with them.

2. Golf Benefit

During weekdays, the primary cardholder as well as the supplementary cardholder(s) will get access to golf courses on a complimentary basis for an unlimited number of times. Additionally, the primary cardholder will get 1 round free of cost on a monthly basis any day of the week they want.

3. Supplementary Cards

The Ultima cardholder can opt for unlimited free supplementary credit cards for their family members. The family members include their spouse, children above than 15 years old and siblings. The Ultima Mastercard primary cardholder will get an exclusive metal version of the card while the supplementary cardholder can avail the metal version of the Ultima credit card by paying a one-time charge of AED 1,000 each card.

4. Dining Benefits

The cardholder can enjoy gastronomic pleasures offered by Citi’s dining program. They can avail up to 20 percent discount at specific restaurants.

5. Meet and Greet Service

The cardholder can enjoy Marhaba Silver Meet and Greet service on a complimentary basis twice a year. It ensures that the cardholder enjoys a smooth journey.

How to Avail Marhaba Silver Meet and Greet Service?

The cardholder must book the service at least 48 hours before their arrival/departure. They can book the service by getting in touch with the Citi Prestige Concierge Service by calling +971 4 311 4653. If they don’t get a chance to make the advance bookings, they can book the service directly through the Marhaba sales office or call centre by paying additional charges.

Note- Additional charges will be applicable for late bookings made at Dubai International Airport before less than ten hours.

Arrival Marhaba Services

Upon the arrival of the cardholder at the terminal, Marhaba services will be waiting for the cardholder to serve them. This makes the Marhaba services an ideal service of travellers with special needs or someone who is travelling for the first time. The cardholder will be fast-tracked through the airport formalities. After that, the cardholder will be escorted to the arrivals area. If they have family or friends waiting for them, they can meet them. Otherwise, they can exit the airport.

Note- While the porter services will be provided from baggage reclaim, the card member will be provided trolleys for hand baggage on request.

  • The service is offered for not more than 3 travellers.

Departure Marhaba Services

When the cardholder reaches outside the airport, Marhaba services will meet them. The cardholder will be fast-tracked through the airport formalities. Marhaba Meeting Lounges can be accessed near the check-in areas at Terminal 1 of Dubai International Airport and Emirates Terminal 3. The card members can read, enjoy refreshments and unwind before getting escorted out of the airport.

Note- While the porter services will be provided until the check-in counter, the card member will be provided trolleys for hand baggage on request.

  • The service is offered for not more than 3 travellers.

For every Marhaba booking, the request will be entertained only if the booking is made provided the information mentioned below:

  1. Name of passenger
  2. Details of flight
  3. Arrival/ Departure Terminal
  4. Number of individuals for which the service is required
  5. Reference number for Marhaba booking

Emirates Citibank Ultima Credit Card- Eligibility Criteria

In order to apply for  Emirates Citibank Ultima Card, the cardholder ‘s minimum monthly income should be AED 36,750.

Top Reasons to Get Emirates Citibank Ultima Card

Here are the top reasons to get Emirates Citibank Ultima Credit Card

Emirates Advantage Benefit

When buying Emirates tickets, the cardholder can benefit from 0 percent interest for a period of three months with Citi’s Easy Instalment Plan. In order to opt for this benefit, the cardholder needs to log on to the official website of Emirates UAE, book & purchase their ticket using Emirates-Citibank Credit Card. After that, they need to opt for the Emirates Advantage payment option through the link available on the page.

DISCOVERY Black Membership of Global Hotel Alliance

The cardholder can avail Complimentary DISCOVERY Black-level membership. The membership can be opted for more than 550 hotels such as Corinthia, Kempinski, Anantara etc. Under the loyalty programme offered by Global Hotel Alliance, the cardholder can enjoy an early check-in, late checkout room upgrades and much more.

Services offered by Emirates Citibank Ultima Card

Mentioned below are the services offered by Emirates Citibank Ultima Card:

Automatic Account Alerts

The cardholder can opt for the alert services and stay updated about their account activity. They can set up alerts, and Citibank will send reminders about the balance levels, due payments, when the cardholder exceeds their credit limit, and the purchase made using their card.

Monthly Bill Payment

The cardholder can pay their credit card bill through offline as well as online mode:

  • Online

If the cardholder holds an account with Citibank, they can pay their credit card bill through their internet banking account by logging on to the official website of the Citibank.

  • Offline

The cardholder can make a deposit at the nearest Citibank’s ATM. They can log on to the official website of Citibank and find out the ATM nearest them.

Fees & Charges for Citi Bank Ultima Credit Card

Listed below are the fees & charges for Citi Bank Ultima Credit Card:

S.No.

Particulars

Charges

1.        

Yearly Membership Fee

AED 3,000

2.        

Monthly Retail Interest

3.25 Percent

3.        

Monthly Cash Interest

3.25 Percent

4.        

Yearly Membership Fee for Supplementary Card

Free

5.        

Direct Debit Set-up/ Amendment/ Cancellation

Free

6.        

Stopping Direct Debit Payment

AED 50

7.        

Card Replacement Charges

AED 50

8.        

Card Conversion Charges

AED 50

9.        

Sales Draft Copy Charges

AED 65

10.    

One time Issuance Charges for Metal Supplementary Card (Applicable for MasterCard)

AED 1,000 per card

11.    

Credit Shield Plus Charges

0.82 percent of the outstanding monthly balance

12.    

Life Style Protect Plus Charges

0.79 percent of the outstanding monthly balance

13.    

Processing Fees For Personal Loan

1 percent of the total loan amount minimum AED 500 Maximum AED 2,500

14.    

Loan Cancellation Charges

AED 100

15.    

Loan Rescheduling Charges

AED 250

16.    

Cash Advance Charges

3 percent of the advance amount or AED 99 whichever is higher

17.    

InstaLoan Processing Charges

AED 100

 Emirates Citibank Ultima Card Rewards

Here are the offered benefits for the Emirates Citibank Ultima Card:

  1. Skywards Miles - The cardholder gets to earn 2.5 Skywards Miles on each USD spent for buying online tickets from the official website of Emirates. For each USD spent on FX, they get to earn 1.5 Skywards Miles. For each USD spent locally, they get to earn1 Skywards Mile.

 Note- The cardholder may earn Skywards Miles as per the assigned credit limit. The earning is capped for specific categories such as grocery stores, e-Government etc.

How to Redeem Skywards Miles?

Here’s how the cardholder can redeem their accumulated Skywards Points:

  1. With Emirates, they can either buy a reward ticket or upgrade their existing Economy flight ticket to Business Class. Additionally, they can upgrade their existing Business Class tickets to First Class.
  2. At the Emirates partner in car hire, hospitality, retail, lifestyle or airlines.
  3. On Emirates High Street, they can enjoy a fulfilling and enriching shopping experience. EMS has a wide range of more than 400 products.

Miles Earning and Validity

The cardholders can earn Skywards Miles upon using their card for retail spending up to the assigned credit limit on their card. They will earn 50 percent of the basic Skywards Miles on spend categories such as supermarkets, real estate, and grocery stores specified by MasterCard or Visa. The accumulated Skyward Miles can be redeemed within 3 years from the date of making each transaction.

Skywards Silver Membership

The card offers Skywards Silver membership to the cardholder on a complimentary basis. The membership enables the cardholder to enjoy priority check-in, bonus tier Miles, allowance for excess baggage etc. As per the applicable terms and conditions, the primary cardmember can avail the Skywards Silver tier membership till the time their card is an active state.

Note- In case the cardholder is an existing member of Skywards Gold, the status of their existing membership will not be affected.

Skywards Miles Statement

The earned Skywards Miles you will get transferred to the cardholders Skywards account on a weekly basis.

How to Apply For Citi Bank Ultima Credit Card?

  • Applying for Citi Bank Ultima Credit Card is as easy as logging on to the official website of Citibank and duly filling in the application form. That being said, credit card experts recommend comparing various credit cards on the basis of charges, features, benefits, offered services and rewards etc. Comparison helps to come across the best credit card in the UAE.
  • In the UAE, more than 200 credit cards are offered. With so many options available, comparing charges, features, benefits, offered services and rewards etc. of various cards can be quite challenging. During such times, Policybazaar.ae acts as a blessing in disguise.
  • With the help of the credit card comparison tool, Policybazaar.ae enables the cardholder to compare credit cards hassle-free. Based on the results, the cardholder can opt for the card that fulfils their credit card expectations. Once they have zero down on the credit card that suits them the best, the applicants can apply for the credit card by filling the application form.

Citi Bank Ultima Credit Card FAQ's

Question 1- What is a travel insurance benefit offered by the Citibank Ultima Credit Card?

Answer- Citibank Credit Card provides travel accident Insurance coverage. The insurance cover is formulated to provide you with much-needed comfort, convenience, and mental peace. In addition to that, it provides compensation for any inconvenience caused during travel because of missed/ delayed flights, and lost/ delayed luggage. The coverage is provided for the tickets you buy using your Citibank Credit Card.

Question 2- What is the automatic account alerts service?

Answer- You can opt for automatic alert services and be updated about your account activity on an instant basis. All you have to do is set up alerts, and the bank will send reminders about your balance levels, outstanding payments. Not just that, when you exceed your credit limit or you buy anything using your card, the automatic alert service will keep you informed.

Question 3- How can I redeem my accumulated Skywards Miles?

Answer- It is very easy. With Emirates, you can either buy a reward ticket as well as upgrade your existing ticket. Additionally, you can redeem the accumulated miles at car hire services, hospitality services, retail services, lifestyle services or airlines services offered by Emirates partner.

Question 4- If I apply for Citi’s Emirates Ultima Card online, would I get to enjoy any additional benefit?

Answer- When you sign up for the Ultima credit card online, you will get a statement credit worth AED 1,500. Additionally, as a sign-up bonus, you will get 25,000 Skywards Miles.

Question 5- What is Emirates High Street?

Answer- Emirates High Street has a wide variety of more than 400 products. It offers a fulfilling and enriching shopping experience for the cardholders.

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