Ever since its establishment in the UAE in 1964, Citibank (of Citigroup) has established itself as the pioneer of banking in the country. It has made its mark in the country as the provider of major credit products including credit cards. One of the most-sought after products that it offers is the Citibank Ultimate Credit Card, a World Elite Mastercard with bountiful benefits.
Emirates Citibank Ultimate Card enables the cardholder to enjoy the world. It offers the highest 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.
In the upcoming sections of the article below, we will explore the Citibank Ultimate Credit Card in detail and discover its features and benefits, rewards and offers, and more.
Here are the features and benefits of the Emirates Citibank Ultimate Card:
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:
The Ultimate Visa cardholders can get in touch with the helpdesk by calling on the following helplines:
The cardholder can avail the complimentary nights. The details are mentioned below:
The offer can be availed at 175 plus partnered Starwood Hotels and Resorts properties across the globe including the following:
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:
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 credit card.
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:
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.
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.
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.
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.
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
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.
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.
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.
The cardholder must be earning AED 18,000 on a monthly basis.
Here is the list of the documents required to apply for an Emirates Citibank Ultimate credit card in the UAE -
The rewards and offers of Emirates Citibank Ultimate credit card are as follows-
The cardholder can avail Marhaba Bronze Meet and Greet service on a complimentary basis through Dubai International Airport.
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.
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.
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:
In order to ensure that a card member enjoys Marhaba service, the following information should be provided at the time of making the bookings:
The Cardholder can earn Skywards Miles as per the following spending:
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:
Here are the rewards offered by the Emirates Citibank Ultimate Card:
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.
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.
The cardholder can earn rewards by making payment at the partner merchants using their Citibank Credit Card as per the applicable terms and conditions:
The cardholder can redeem Skyward Miles in the following ways:
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.
When you use your Citibank Ultimate credit card to make a purchase of over AED 150 from Amazon.ae, you get up to 10% off (up to AED 50) on eligible purchases once a month.
The claim codes to be used are as follows -
This offer, however, is available only till December 31st, 2023. Here, are some major terms and conditions to keep in mind -
When you use your Citibank credit card to make eligible purchases of more than AED 150 via Carrefour mobile application or website, you get up to 15% off (i.e., up to AED 50) on such purchases. This offer is applicable only once a month. The following are the monthly promo codes for the same -
Having mentioned the eligible promo codes, here are some main terms and conditions applied -
When you use the Talabat app to place your grocery or food orders, you get up to 20% off (i.e., up to AED 14). This offer is applicable only twice a month. To avail of this offer use promocode “MASTERCARD” at the time of checkout. Here are some key terms and conditions you need to adhere to -
When you use the Careem mobile application to book your rides to the airport using your Emirates Citibank Ultimate Credit Card (a World Elite Mastercard), you get up to 6 free airport rides in a year. To avail of this offer, you need to use the promo code “MAUAE6”. This offer is active only till December 31st, 2023.
To redeem this offer, observe the following steps -
The following are some terms and conditions to keep in mind when using this Citibank credit card offer -
Here are the Fees and Charges for Citi Bank Ultimate Credit Card:
|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|
If you want to make the most of the above-mentioned offers, you can apply for the Emirates Citibank Ultimate Credit Card via Policybazaar.ae. This is a one-stop destination for all your credit card needs, with the best credit cards from the major banking institutions in the UAE available in one place.
You can easily apply for a credit card from the convenience of your home with Policybazaar.ae. Here is what you need to do -
|Other Citibank Credit Cards|
|Citibank Citi Premier Credit Card||Citibank Citi Cashback Credit Card|
|Citibank Citi Prestige Credit Card||Emirates Citibank Ultima Credit Card|
|Citibank Citi Rewards Credit Card||Emirates Citibank Ultimate Credit Card|
|Citibank Citi Simplicity Credit Card||Emirates Citibank World Credit Card|
Ans: Here are the benefits offered by Citi’s contactless credit card:
Ans: 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.
Ans: 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.
Ans: 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.
Ans: 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.