Emirates Citibank Ultimate Credit Card

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  • Airport Lounge
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  • Dubai
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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
Top Citibank Credit Cards in UAE

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.

Features and Benefits of Emirates Citibank Ultimate Credit Card

Here are the features and benefits of the 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:

  • Upon booking two nights, they can avail one complimentary night for free.
  • Upon booking three nights, they can avail one complimentary night for free.
  • 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

Cashback Back & Free Airport Lounge Access - Policybazaar uae

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 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:

  • Step 1 - Search for the contactless symbol at the merchant’s terminal.
  • 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.
  • Step 3 - The staff will hand over the purchased items to the cardholder.
  • Step 4 - In case the cardholder needs a receipt, they can ask for it.:

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.

Documents Required to Apply for Emirates Citibank Ultimate Credit Card

Here is the list of the documents required to apply for an Emirates Citibank Ultimate 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 the last 3 or 6 months
  • Salary transfer letter/ salary certificate for salaried individuals
  • Trade licence for self-employed individuals

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Rewards and Offers on Emirates Citibank Ultimate Card

The rewards and offers of Emirates Citibank Ultimate credit card are as follows-

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:

  • From Terminal 1- AED 80
  • From Terminal 2- AED 72
  • From Terminal 3- AED 80
  • 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

Latest Citibank Credit Card Offers

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:

  • 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.
  • At one of the Emirates partners in car hire, hospitality, retail, lifestyle or partner airlines of Emirates.
  • 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.

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Amazon.ae

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 -

  • For July - CB10JUL
  • For August - CB10AUG
  • For September - CB10SEP
  • For October - CB10OCT
  • For November - CB10NOV
  • For December - CB10DEC

This offer, however, is available only till December 31st, 2023. Here, are some major terms and conditions to keep in mind -

  • Each month over here implies every calendar month. 
  • Exclusion on the purchase of consumer electronic products also applies. 
  • The discount can be applied only after entering or choosing the relevant promo code on Amazon.ae. 
  • This discount is applicable only once a month. 
  • Special offer periods like Amazon White Friday and 11/11 offer periods remain excluded from this offer. 
  • This offer cannot be combined with any other offer or promotion. 
  • Amazon gift cards, consumer electronics, Amazon Global Store products transported from Amazon US and Amazon UK, Helpbit products, Baby Food, and Amazon Help Services are excluded from this offer. 

Carrefour

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 -

  • For June - CITIJUN15
  • For July - CITIJUL15
  • For August - CITIAUG15
  • For September - CITISEP15
  • For October - CITIOCT15
  • For November - CITINOV15
  • For December - CITIDEC15

Having mentioned the eligible promo codes, here are some main terms and conditions applied -

  • This Citibank credit card benefit is available till December 31st, 2023.
  • This offer is especially designed for purchases made via Carrefour mobile application or website. The payment needs to be made using Citibank Mastercard credit cards to get this monthly benefit. 
  • You cannot combine this credit card offer with vouchers, SHARE points, or coupon codes. 
  • You cannot make any purchase reversals, seek refunds, and reverse transactions if you use the promo code for this offer.
  • This promotion is not for wholesale customers.
  • Apple Pay transactions do not qualify for this offer.
  • You can file any grievances about the campaign within 5 days after the campaign ends after December 31st, 2023.

Talabat

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 -

  • Offer is only valid if the grocery and food order is placed using the Talabat mobile application.
  • This credit card offer is available for all Citi Mastercard Credit Card holders including Titanium, World, Platinum, and World Elite Mastercard holders.
  • You can use this offer in conjunction with other active offers on Talabat on restaurants and vendors.
  • This particular offer is valid till December 31st, 2023.

Careem

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 -

  • Download the Careem mobile application using your App Store or Google Play Store. 
  • Utilise your qualifying Mastercard credit card (in this case, the Citibank Ultimate Credit Card) for making payments.
  • Choose your designated locations for both pickup and drop-off.
  • Upon reserving your ride, input the applicable promo code to enable this promotion.

The following are some terms and conditions to keep in mind when using this Citibank credit card offer -

  • The promo code does not work for payments made via Apple Pay.
  • The discount is available on all types of rides except Hala Taxi.

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

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Policybazaar.ae - Catering to All Your Credit Card Needs! 

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 -

  • Select the ‘credit card’ option on the homepage of our official website or choose the same option from the banking products tab on the menu bar. 
  • You will be navigated to the lead form. Here, fill in your personal details correctly and click on the View Quotes button once done. 
  • This will take you to our credit card quotes page. Here, you can read through the benefits and rewards available with the Emirates Citibank Ultimate Credit Card. 
  • If you are satisfied with the offerings, click on the option to apply for the card and follow the instructions thereon.
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FAQs on Emirates Citibank Ultimate Card

Q1. Are there any benefits of using Citi’s Contactless credit card?

Ans: 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.
Q2. What if my Contactless card is stolen?

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.

Q3. What is the validity of my Skywards Miles?

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.

Q4. How can I pay the credit card bill for my Citi credit card?

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.

Q5. How many Supplementary Cards can I opt for?

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.

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