Credit Cards

Unlock a world of exciting benefits with Citi Credit Cards.

20% instant discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use promo code “MASTERCARD” at checkout. Learn more.

Enjoy 4 complimentary airport rides p.a. (up to AED 84 each) on Mastercard World Elite using code “MAUAE6” and 2 rides p.a. (up to AED 44 each) on Mastercard World using code “MAUAE2” on the Careem app. Learn more.

1. Rewards Credit Cards
2. Cash Back Credit Card
3. Quick Cash
4. Basic Credit Card

Citi Prestige

• AED 750 cash back subject to min spend criteria of AED 20,000 in 90 days.
• Transfer points to 12 partner airlines including Emirates, Etihad and Turkish airlines or redeem points for cash rebate.
• 4 th night free at any hotel locally for staycations, or anywhere worldwide.
• Unlimited complimentary golf at some of the finest courses in the UAE.
• Enjoy 2 complimentary Valet Parking visits every month across the UAE.

AED 750 Joining bonus statement credit

AED 1,500

AED 30,000

Citi Premier

• AED 500 cash back subject to min spend criteria of AED 15,000 in 90 days.
• Transfer points to 12 partner airlines including Emirates, Etihad and Turkish airlines or redeem points for cash rebate.
• Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
• Flat 30% off 4 movie tickets at VOX Cinemas every month.
• Complimentary golf once a month at some of the finest courses in the UAE.

AED 500 Joining bonus statement credit

AED 750

AED 15,000

Citi Rewards

• AED 150 cash back subject to min spend criteria of AED 7,500 in 90 days.
• No annual fee in yr. 1. From yr. 2. onwards the card is free unless a min. annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.
• Redeem points for cash rebate or travel related spend.
• Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
• Flat 30% off 2 movie tickets at VOX Cinemas every month.

AED 150 Joining bonus statement credit

AED 300*

AED 8,000

Citi Cash Back

• AED 150 Joining bonus statement credit upon meeting min spend criteria of AED 7,500 in 90 days.
• Automatic cash back with 3% on non-AED 2% on grocery 1% on all other spend
• Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
• No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit).

AED 150 Joining bonus statement credit

AED 300*

AED 8,000

Citi Ready Credit

• Instant cash access at a special rate starting from 15% ** per annum in your bank account anywhere within UAE
• Get a higher credit limit, up to 6X of your monthly income or up to AED 175,000, whichever is lower.
• Repay as per the monthly repayment schedule or repay all at once without any early loan settlement fee.
• No annual fee in year 1. From year 2 onwards the card is free unless a min annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.

Instant cash access up to 100% of credit limit

AED 300*

AED 8,000

Citi Simplicity®

• No Annual membership fee.
• No late fee, cash advance fee or over limit fee - ever.
• 0% interest on balance transfers for 6 months.

No annual fee - ever

AED 0

AED 5,000

Find the Credit Card that best meets your needs

Citi Credit Card Members, find out what else to reward yourself

Life and Money

What is Citi PayAll and Why Should I Use It?

Paying your expenses with a Credit Card is a smart way to spend money as it’s the best way to earn reward points, air miles, cash back and other perks. With Citi PayAll– a first-of-its-kind payment solution in the UAE – Credit Cardholders can turn their big payments into rewards that they can maximize over time.

Frequently Asked Questions

What is the difference between a Debit Card and Credit Card?

• Debit Cards: You can use and spend your own funds that you have deposited in your bank account
• Credit Cards: You can spend up to a certain limit by borrowing from the credit amount allocated to your card by the issuing bank.
• Debit Cards: They do not offer rewards points
• Credit Cards: Users get access to a wide range of privileges and benefits such as travel discounts, cash backs, cash rebates, discounts on bills, etc.
• Debit Cards: They come with an overdraft line of credit associated with the consumer’s bank account.
• Credit Cards: They come with a specified credit amount. If the consumer wants to spend beyond it, the card will decline the transaction.

How do Credit Cards work?

Credit Cards can be considered similar to short-term loans. So, whenever you borrow money from the credit amount allocated within your card by the bank, you must pay the borrowed amount to the bank every month within your billing cycle. You must make sure to pay the borrowed amount in your billing cycle every month to avoid getting penalised.

What are the benefits of using Credit Cards?

There are several benefits of using Credit Cards. They are as follows:

• Credit Cards help you build good credit score
• They offer fraud protection and ensure secure transactions
• They also provide warranty and purchase protection
• Credit Cards offer several benefits and privileges
• They ensure easy and convenient on-the-go transactions

How can I activate my Credit Card?

Step 1. Open your Citi Mobile app
Step 2. Click on "Activate card"
Step 3. Enter your Card No.(16 digits on your card), Expiry Date(mm/yy) and Date of Birth (dd/mm/yyyy)
Step 4. Enter the OTP sent to your registered mobile number
Step 5. Create and confirm an ATM Password code

How can I pay my Credit Card bill?

There are four ways via which you can pay your Credit Card bill. Check them below:

• Pay via online transfer from your Citi account
• Pay via online transfer from other UAE bank account
• Set up a Direct Debit payment from your Citi bank or non-Citibank account
• Pay at an exchange house through the UAE Funds Transfer System (UAEFTS)

What is the minimum monthly payment on my Credit Card?

Minimum Payment Due is calculated as 2.74% of the current balance on Statement of Account, plus, if applicable

• Current billed Late Payment Fee
• Current billed finance charges
• Monthly amount(s) of installment(s) subscribed under EIP's/ Balance Transfer/ Loan on Phone(s)/ InstaLoan(s) etc
• Over Limit amount
• Past due amount
• InstaLoan processing fee or AED 100, whichever is higher.

If your Current Balance is less than AED 100, then your Minimum Payment Due will be equal to your Current Balance

When will I be charged a Late Fee on my Credit Card?

You will be charged a late fee when the Minimum Payment Due is not received by the Payment Due Date. It is levied in addition to the interest on the outstanding amount at Citibank's Credit Card interest rate.

When will I be charged an Over Limit Fee on my Credit Card?

You will be charged an over limit fee if the total outstanding balance on the card exceeds the credit limit at any time. You will also be charged when the current balance as shown in the statement exceeds the credit limit.

When are Finance Charges levied on my Credit Card?

Interest will be charged if you do not pay the full amount due or make partial payment. It will be shown in the next statement date. The charges are calculated for each transaction from the respective transaction date to the next statement date.

How to register for SMS and EMAIL Alerts for my Credit Card?

Follow the steps below to register for SMS and EMAIL Alerts:

• Sign on to Citibank Online and navigate to the My Profile menu.
• Choose Citibank Alerting service from the available options
• Select Edit Alert Profile
• Choose your SMS and Email Alerts
• Click Confirm to activate your alerts

How can I register for Push Notifications for my Credit Card?

Follow the steps below to register for Push Notifications:

• Sign on to the Citi Mobile App
• Select Push Notifications from the Settings menu
• Click Set up New Notification and choose your alerts
• Select Continue to confirm your choice
• Ensure your device settings allow notification to be displayed

Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.

Key Conditions

Click here for Welcome Offer Terms and Conditions The welcome offer is applicable only to new Citi Credit Card customers who apply/submit a lead directly through Citi website. Applicants reaching Citi website through a web search advert or any third party link do not qualify. Joining bonus Statement Credit will be credited within 45 days of meeting the minimum spend requirements below:

Talabat, Careem & Airport Lounge offers are provided by Mastercard. Citibank is not liable for any loss or inconvenience incurred by the cardholder due to operational / fulfilment issues or otherwise by 3 rd parties. Click here to view Talabat offer T&C’s. Click here to view Careem offer T&C’s. 5% Value Added Tax (VAT) applicable over and above the annual fee *No annual fee in year 1. From year 2 onwards annual fee is waived unless a minimum annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies (applicable for Citi Cash Back, Citi Rewards and Citi Ready Credit Cards) Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.
Click here to view fees and charges.

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Terms & Conditions:
I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www1.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www1.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Data Privacy (GDPR, LGPD & NZPA)*. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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