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, cashbacks, 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

Credit Cards | Online Citi Credit Cards in the UAE

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Emirates-Citibank Ultima

Credit Card Benefits

Earn up to 2.5 Skywards Miles per $ spend
Exclusive 100% Metal card + Skywards Silver Membership
25,000 joining bonus Skywards Miles + 10,000 anniversary miles
Unlimited complimentary golf at some of the finest courses in the UAE

Annual membership fee: AED 3,000
Minimum monthly income: AED 36,750

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Emirates-Citibank Ultimate

Credit Card Benefits

Earn up to 1.25 Skywards Miles per $ spend
Complimentary golf once a month at some of the finest courses in the UAE
50% off food delivery and dine in bills with free Voucherskout credits
Your Skywards Miles can be used for your next trip, local hotel staycations, retail shopping & more

Annual membership fee: AED 800
Minimum monthly income: AED 18,000

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Emirates-Citibank World

Credit Card Benefits

Earn up to 1 Skywards Mile per USD spent
50% off food delivery and dine in bills with free Voucherskout credits
Your Skywards Miles can be used for your next trip, local hotel staycations, retail shopping & more
2 for 1 movies tickets at VOX cinemas

Annual membership fee: AED 400
Minimum monthly income: AED 12,000

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Citi Prestige

Credit Card Benefits

Redeem points for cash rebates, merchandise, staycation bookings or transfer to 14 partner airlines
AED 750 Joining bonus statement credit
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

Annual membership fee: AED 1,500
Minimum monthly income: AED 30,000

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AED 750 Joining bonus Statement Credit

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Citi Premier

Credit Card Benefits

Redeem points for cash rebates, merchandise, staycation bookings or transfer to 14 partner airlines
50% off food delivery and dine in bills with free Voucherskout credits
2 for 1 movies tickets at VOX cinemas
complimentary golf once a month at some of the finest courses in the UAE

Annual membership fee: AED 750
Minimum monthly income: AED 15,000

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+ Fee Free in Year 1

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Citi Rewards

Credit Card Benefits

Redeem points for cash rebates, merchandise or staycation bookings
No Annual Fee (Spend based)*
50% off food delivery and dine in bills with free Voucherskout credits
2 for 1 movie tickets at VOX Cinemas every month

Annual membership fee: AED 300
Minimum monthly income: AED 8,000

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Citi Cashback

Credit Card Benefits

Automatic cashback with 3% on Non-AED spend, 2% on Grocery Spend & 1% on all other spend.
No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit)
No Annual Fee (Spend based)*

Annual membership fee:No Annual Fee (Spend based)*
Minimum monthly income: AED 8,000

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CREDIT CARDS