Emirates Citibank Ultimate Credit Card

Technology has opened doors for unlimited possibilities. In the UAE, residents as well as expats are keeping up with the technology. They are adapting to the modern payment methods of the 21st century. Credit cards in the UAE have become one of the most sought-after payment options. It is because of the offered credit card rewards and benefits. Using their credit card, the cardholder can make a purchase and get rewarded for using the card. The offered benefits are spread across the various categories such as golf benefits, cinema benefits, airport lounge access etc. From a wide variety of credit cards in UAE, one can opt for a credit card as per their preference.

In order to capture a wide market share, banks and financial institutions offer a plethora of credit cards in the UAE. The offered benefits of the card are meticulously formulated on the basis of the credit card needs of the residents as well as expats in the UAE. They can opt for a card as their preferred card in case they fulfil the eligibility criteria of the card. Every card comes with its own eligibility criteria that are formulated as per the offered benefits.

The eligibility criteria are formulated so that the applicant can opt for a card as per their monthly salary. Every credit card comes with a specific credit card limit so that the cardholder uses the card in accordance with their spending capacity. This way, they don’t get overburden and can pay their credit card bill with ease.

About Emirates Citibank Ultimate Credit Card

Emirates Citibank Ultimate Card enables the cardholder to enjoy the world. It offers high best Skywards Miles at a high rate. Every time the cardholder spends using their credit card, it rewards the cardholder with Skywards Miles. As a sign-up benefit, the cardholder gets a statement credit of AED 800.  

Features of Emirates Citibank Ultimate Credit Card

Here are the features of Emirates Citibank Ultimate Card:

International Concierge Service

The cardholder can seek assistance & book their dinner reservations, theatre tickets, airline tickets and much more.

The Ultimate MasterCard members can get in touch with the helpdesk by calling on the following helplines:

  1. Toll-free - 800-0444-0844
  2. International number - 001-312-843-5359

 The Ultimate Visa cardholders can get in touch with the helpdesk by calling on the following helplines:

  1. Toll-free - 800 0441 3487
  2. International number - +971 4 361 1234

Complimentary Nights at Starwood Hotels & Resorts

The cardholder can avail the complimentary nights. The details are mentioned below:

  1. Upon booking two nights, they can avail one complimentary night for free.
  2. Upon booking three nights, they can avail one complimentary night for free.
  3. Upon booking four nights, they can avail two complimentary nights for free.

The offer can be availed at 175 plus partnered Starwood Hotels and Resorts properties across the globe including the following:

  1. W Hotels
  2. Regis
  3. Sheraton
  4. Le Méridien
  5. Westin
  6. Luxury Collection

DISCOVERY Black Membership

Under the loyalty program of Global Hotel Alliance, the cardholder can avail DISCOVERY Black-level membership on a complimentary basis, across more than 550 hotels including Kempinski, Anantara, Corinthia, etc. The card member can avail the following facilities:

  1. Room upgrades
  2. Late checkout
  3. Early check-in

Automatic Account Alerts

The cardholder can opt for account alerts and stay up to date about their account activity. They can set up alerts, and stay updated about their balance, outstanding payment, or when they go above their credit limit. Additionally, they can stay updated about the purchases made using their card credit card.

State of the Art Technology

The MasterCard Credit Card comes loaded with contactless technology that makes the transactions easy, smooth and hassle-free.

For the convenience of card members, the credit card offers a payment experience that doesn’t need actual physical contact. The absence of contact between the merchant's terminal and the credit card provides a faster payment experience.

How to Use Contactless Card Technology?  

The card members can use their contactless card anywhere they find the MasterCard contactless logo (for the transactions of up to AED 300).

How Contactless Card Technology Works?

Here is how contactless technology works:

  1. Step 1 - Search for the contactless symbol at the merchant’s terminal.
  2. Step 2 - Hold the contactless credit card in front of the reader. When the transaction will be processed successfully, it will be indicated by the terminal.
  3. Step 3 - The staff will hand over the purchased items to the cardholder.
  4. Step 4 - In case the cardholder needs a receipt, they can ask for it.

Benefits of Emirates Citibank Ultimate Credit Card

Here are the benefits of the Emirates Citibank Ultimate Card:

Airport Lounge Benefit

The cardholder will get unlimited access to more than 1,000 airport lounges across the globe. The primary cardholder as well as the secondary cardholder can bring one guest along with them on a complimentary basis. In case they want to avail the lounge access for more than one guest, they will have to pay USD 27 per guest.

Golf Access

The cardholder will get access to the golf course on a complimentary basis each month. They can avail the benefit anytime as per their convenience.

Buy 1 Get 1

The cardholder can avail up to 4 buy 1 get 1 complimentary movie tickets on a monthly basis. The offer can be availed on any weekday for the movie tickets booked using Citi Credit Card.

Emirates Advantage Benefit

The cardholder can avail Emirates Advantage benefit and enjoy 0 percent interest for three months with Citi’s Easy Instalment Plan. The benefit can be availed for the Emirates tickets booked from the official website of the Emirates UAE.   

How to Avail this Benefit?

To make the best of this benefit, the cardholder needs to book & purchase their ticket from the official website of the Emirates UAE using their Emirates credit card. Once the purchase is made, the cardholder needs to opt for Emirates Advantage payment on the link displayed on the webpage

Supplementary Cards

The cardholder can opt for unlimited supplementary cards for their family members. They don't have to pay for any extra charges. Additionally, they can set the spending limit on the supplementary cards.

Dining Benefits

The cardholder can enjoy scrumptious meals at fine dining eateries under Citi’s dining program. The cardholders can avail up to 20 percent discount at specific restaurants.

Travel Insurance Benefit

The cardholder can avail travel accident insurance absolutely free of cost. Additionally, they can avail compensation for any inconvenience caused due to delayed/ missed flights and delayed/ missed checked-in baggage. The benefit is applicable only when the tickets are bought using the Emirates Citibank Credit Card.

Eligibility Criteria of Emirates Citibank Ultimate Card

The cardholder must be earning AED 18,000 on a monthly basis.

Top Reasons to Get Emirates Citibank Ultimate Credit Card

Here are the top reasons to get Emirates Citibank Ultimate Card:

Meet and Greet Service

The cardholder can avail Marhaba Bronze Meet and Greet service on a complimentary basis through Dubai International Airport.

Marhaba Bronze Meet and Greet Service

The Citibank Emirates Ultimate Credit Card members can enjoy one Marhaba Bronze Meet and Greet Service on a complimentary basis annually. In order to avail the service, they need to make a booking at least 48 hours before their arrival or departure. They can do so by getting in touch with around the clock CitiPhone Banking Service at +971 4 311 [4000/ 4653].

In case the cardholder cannot opt for advance bookings, they can make late bookings. They need to get in touch with the Marhaba sales office or call centre. They will have to pay extra for the additional expenses if they make bookings in less than 10 hours at Dubai International Airport.

Arrival Services

Before a cardholder gets to immigration, they will see their name displaying on the Marhaba screens. They can approach any of the Marhaba representatives. The representative will fast-track them through the formalities at Terminal 1, Terminal 2 and Emirates Terminal 3 of Dubai International Airport. Then the cardholder will be escorted the arrivals area where they can meet their loved ones (if they are waiting for them). Else, they can exit the airport.

Departure Services

The cardholder will be escorted through the airport formalities. Where possible, trolleys for hand baggage will be provided to them. They can find their way to the Marhaba Meeting Lounge near the check-in areas at Terminal 1 and Emirates Terminal 3 of Dubai International Airport. At the lounge, the can relax and indulge in light refreshments.

The complimentary service is offered to the primary cardholder. On an annual basis, the card member is entitled to one complimentary booking. In case the cardholder wants to book the Marhaba service for an extra passenger, they will have to pay extra-charges as per the following:

  1. From Terminal 1- AED 80
  2. From Terminal 2- AED 72
  3. From Terminal 3- AED 80
  4. From DWC- AED 72

In order to ensure that a card member enjoys Marhaba service, the following information should be provided at the time of making the bookings:

  1. Passenger’s Name
  2. Flight Information
  3. Terminal Details of Dubai International airport
  4. Number of passengers for which the service is opted for
  5. Reference number of Marhaba booking

Skywards Miles

The Cardholder can earn Skywards Miles as per the following spending:

  • For every USD spent on FX, 1.25 Skywards Miles.
  • For every USD spent on local shopping, 1 Skywards Mile.

The cardholder will earn the Skywards Miles as per the credit limit assigned to their card. The earning is capped for specific spend categories such as:

  1. Grocery stores
  2. e-Government

Fees and Charges of Emirates Citibank Ultimate Credit Card

Here are the Fees and Charges for Citi Bank Ultimate Credit Card:

 

S.No.

Particulars

Charges

1.        

Yearly Membership Fee

AED 800

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.    

Credit Shield Plus Charges

0.82 percent of the outstanding monthly balance

11.    

Life Style Protect Plus Charges

0.79 percent of the outstanding monthly balance

12.    

Processing Fees For Personal Loan

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

13.    

Loan Cancellation Charges

AED 100

14.    

Loan Rescheduling Charges

AED 250

15.    

Cash Advance Charges

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

16.    

InstaLoan Processing Charges

AED 100

 

As updated in February 2019

Emirates Citibank Ultimate Credit Card Reward

Here are the rewards offered by the Emirates Citibank Ultimate Card:

Skywards Miles

The Skywards Miles accumulated by the cardholder will be transferred to their Skywards account every week. The same will be reflected in the statement on a weekly basis. The cardholder can check the accumulated Skyward Miles by logging on to the official Emirates website and sign-in their Emirates account.

Miles Earning & Validity

The card member is entitled to earn Skywards Miles for the retail spending in accordance with the credit limit of their credit card. Upon spending on purchase categories such as supermarkets, real estate and grocery stores, they will earn 50 percent of the basic Skywards Miles.

The Skyward Miles come with a validity of 3 years from the date of the respective transaction.

How to Earn Your Rewards?

The cardholder can earn rewards by making payment at the partner merchants using their Citibank Credit Card as per the applicable terms and conditions:  

How to Redeem Skywards Miles?

The cardholder can redeem Skyward Miles in the following ways:

  1. By buying a reward flight ticket. Additionally, they can upgrade their existing Economy Class to Business Class or existing Business Class ticket to First Class. They can avail the offer with Emirates.
  2. At one of the Emirates partners in car hire, hospitality, retail, lifestyle or partner airlines of Emirates.
  3. By shopping from Emirates High Street. It offers a rewarding and leisurely shopping experience to the cardholder. They can choose from a wide range of more than 400 products.

In order to redeem their accumulated Skywards Miles, the cardholder can log on to the official website of Emirates and sign in to their account.

Additional Information

Bill Payment

In case the cardholder has an account with Citibank, they can pay their credit card bill through their Citibank internet banking account. Otherwise, they can pay their credit card bill at the Citibank ATM.

Emirates Citibank Ultimate Card - FAQ's 

Question 1- Are there any benefits of using Citi’s Contactless credit card?

Answer- Here are the benefits offered by Citi’s contactless credit card:

  1. Rewards - You can earn points/ miles and redeem the rewards even on transaction made for small amounts.
  2. Unmatched Convenience - Making the transactions becomes easier for the merchant as well as the cardholder. It means there will be shorter queues and quick transactions.
  3. Increased Security - The transactions are carried down as per an advanced and safe technology protocol. When the transaction amount exceeds a specific limit, you may have to enter your PIN.
  4. Minimal Wear & Tear - Since there is no need for swiping or inserting, the card does not come into direct contact with the machine. As a result, there is minimal wear and tear of the card.
  5. No Need to Carry Cash - You don’t need to carry cash and can pay for the low-value purchase in the matter of a few seconds.

Question 2- What if my Contactless card is stolen?

Answer- In case your contactless card is stolen, the liability shall be governed as per the applicable terms and conditions of the card. It means you will be liable for the transactions made till the time you get your card blocked.

Question 3- What is the validity of my Skywards Miles?

Answer- When you earn Skywards Miles, they will expire 3 years after the date of accumulating the miles. Make sure you redeem your accumulated Skywards Miles before they expire.

Question 4- How can I pay the credit card bill for my Citi credit card?

Answer- If you hold an account with the Citibank, you can pay your credit card bill using your internet banking account. In case you don’t, you can pay the bill at the nearest CitiBank’s ATM.

Question 5- How many Supplementary Cards can I opt for?

Answer- There is no cap on the number of the supplementary cards you can opt for. You don’t have to pay any fees/charges for the same. You will get the freedom to set the limit on the supplementary cards that you opt for.