Emirates Citibank Ultima Credit Card

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  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

Citibank entered the UAE in 1964, setting its first branch in Dubai followed by one in Abu Dhabi. The bank has been growing its brand in the country ever since, gaining recognition for its impeccable banking products such as bank accounts, debit cards, credit cards, and more. Among its most sought-after products are credit cards, with the Citibank Ultima credit card, to be specific, standing apart.

Citibank Ultima credit card enables cardholders to enjoy various exclusive benefits. Upon making spendings with 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 Credit 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.

In this write-up, let’s learn about Citibank Ultima Credit Cards in detail.

Features and Benefits of Emirates Citibank Ultima Card

Here are the key features and benefits of Emirates Citibank Ultima credit card:

Perks of Buying Online

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

Extra Skywards Miles

A cardholder can enjoy 25,000 Skywards Miles as a sign-up bonus. Upon paying the annual membership fee, they can also enjoy 10,000 Skyward Miles. The credited Skyward Miles will be reflected in the cardholder’s account after they pay the membership fee.

International Concierge

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

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Travel Insurance

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

Complimentary Hotel Nights at Starwood Hotels and Resorts

When the cardholder books two nights, they get the third night’s stay for free. On making a booking for three nights, they get the fourth night’s stay for free. However, if they book a stay of four nights, they get the fifth and sixth nights for free.

This offer can be availed worldwide at the following -

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

Access to Airport Lounge

The cardholder gets access to more than 1,000 airport lounges across the globe on an unlimited complimentary basis. Both the primary cardholder as well as the supplementary cardholder(s) can bring one guest with them.

Golf Benefit

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

Supplementary Cards

The Ultima cardholder can opt for unlimited free supplementary credit cards for their family members. The family members for which this offer holds valid include their spouse, children above 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 of the metal version of the Ultima credit card by paying a one-time charge of AED 1,000 for each card.

Dining Benefits

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

Meet and Greet Service

The cardholder can enjoy Marhaba Silver Meet and Greet service on a complimentary basis twice a year and enjoy a smooth journey.

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Rewards and Offers on Emirates Citibank Ultima Card

Here’s a quick rundown of the rewards and offers by 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, and book and purchase their ticket using Emirates-Citibank Credit Card. After that, they will 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 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.

Emirates Citibank Ultima Card Rewards

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

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. On the other hand, for each USD spent locally, they get to earn 1 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 of the Skywards Silver tier membership till the time their card is in 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 will get transferred to the cardholder’s Skywards account on a weekly basis.

Amazon.ae

This Citibank credit card offers you, the credit card holder, an instant discount of up to 10% (up to AED 50) on all the qualified transactions over AED 150 per month at Amazon.ae. This offer remains available till 31st December 2023.

All you need to do is provide a promo code. However, certain terms and conditions are applicable -

  • Each month here is considered to be a calendar month. 
  • This offer is valid till 31st December, 2023. It excludes special offer periods like Amazon White Friday and 11/11 offer periods. 
  • The discount is not available on consumer electronics and some other specific product categories. 
  • This discount is applicable only once a month and is valid for all eligible Citi Mastercard Credit Cards including Citibank Ultima Credit Card. 

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Carrefour

As a Citibank Mastercard credit card holder, you can get an instant discount of up to 15% (i.e., up to AED 50) on all the eligible purchases of over AED 150 once a month via Carrefour application or online via Carrefour website. The monthly promo codes for the same are -

  • For June - CITIJUN15
  • For July - CITIJUL15
  • For August - CITIAUG15
  • For September - CITISEPT15
  • For October - CITIOCT15
  • For November - CITINOV15
  • For December - CITIDEC15

This offer is available till 31st December, 2023. 

Some key conditions on this offer include -

  • Your Apple Pay transactions do not qualify for this offer.
  • This offer cannot be mixed with other vouchers, coupons, and SHARE points.
  • This Citibank credit card offer is not available for wholesalers.
  • Purchase cancellation, transactions, or refunds are not allowed under this credit card offer.
  • This is a limited period offer - from June 1st, 2023 to December 31st, 2023.
  • This benefit is available only on select purchases made on Carrefour mobile application or website.

Talabat

When you use your Citibank Ultima credit card to purchase groceries, you qualify for a 20% instant discount (i.e., up to AED 14) twice a month, given you make purchases via Talabat mobile application. To avail of this offer, use the promo code “MASTERCARD” at the time of checkout.

Here are some key terms and conditions to keep in mind when using this offer -

  • This benefit is available only for groceries and food orders placed from the Talabat mobile application.
  • The offer remains operative only till December 31st, 2023.
  • This 20% off can be used on any running offer on the Talabat platform including restaurants and vendors.
  • This offer is valid for all World Elite Mastercards.

Careem

With this Mastercard World Elite Credit Card, you can get up to 6 free airport rides simply by using the code “MAUAE6” on the Careem mobile application. To redeem this offer, follow the steps mentioned below -

  • Download the Careem mobile app from App Store or Google Play Store.
  •  Use your eligible Mastercard (here, Citibank Ultima Credit Card) to make payments.
  • Select your pick-up and drop point.
  • Enter the relevant promo code when booking your ride to activate this offer.

Note - This credit card offer is available only till December 31st, 2023.

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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.

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

Eligibility Criteria to Apply for Emirates Citibank Ultima Credit Card

To apply for Emirates Citibank Ultima credit card, you need to have a minimum monthly salary of AED 36,750.

Documents Required to Apply for Emirates Citibank Ultima Credit Card

Here is the list of documents required to apply for an Emirates Citibank Ultima credit card in the UAE -

  • Duly filled-in application form
  • UAE residence visa (for expatriates)
  • Emirates ID
  • Address proof like utility bills
  • Recent bank statements of either 3 or 6 months
  • Salary transfer letter/ salary certificate for salaried individuals
  • Trade licence for self-employed individuals

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Apply for Emirates Citibank Ultima Credit Card on Policybazaar UAE

If you're aiming to get great deals on your online purchases, you have the option to apply for the Emirates Citibank Ultima Credit Card through Policybazaar.ae. This platform serves as a comprehensive hub for all your credit card requirements, sourced from leading banking institutions in the UAE.

Applying for a credit card is a streamlined process that you can complete from the comfort of your own home. Here's how to initiate the application:

  • Access the official website and navigate to the credit card section, or alternatively, choose the same option from the banking products menu.
  • This will lead you to the application form. Accurately fill in your personal details and click the View Quotes button upon completion.
  • Subsequently, you will be directed to our Quotes Page, where you can peruse the advantages and rewards linked to the Emirates Citibank Ultima Credit Card.
  • If you find the benefits satisfactory, proceed by clicking the Apply Now button and following the provided instructions.
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FAQs on Emirates Citibank Ultima Card

Q1. What is a travel insurance benefit offered by the Citibank Ultima Credit Card?

Ans: 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.

Q2. What is the automatic account alerts service?

Ans: 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.

Q3. How can I redeem my accumulated Skywards Miles?

Ans: 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.

Q4. If I apply for Citi’s Emirates Ultima Card online, would I get to enjoy any additional benefit?

Ans: 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.

Q5. What is Emirates High Street?

Ans: Emirates High Street has a wide variety of more than 400 products and offers a fulfilling and enriching shopping experience for cardholders.

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