Compare Credit Cards
Before applying for a Credit Card, you must make sure to compare the best Credit Cards that are available in the UAE. Doing so will give you a good idea of the features and benefits of different cards, and it will also help you select one that suits your requirements.
How to choose the best Credit Card for you?
Compare the different Citi Credit Cards to find the one that best suits you!
*Click here for Welcome Offer Terms and Conditions
**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, Ready Credit and Citi Rewards Credit Card).
*** For applicable Skywards Miles Earning caps please Click here.
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.
*T&Cs apply. 15% is annual rate and is applicable during the term of the 1st loan booked on Ready Credit Card within 1 month of card approval. Applicable only for new Citi customers.
Things to Consider before you compare Credit Cards
From getting amazing deals on travel expenses to getting rewards for every eligible purchase, different Credit Cards serve different purposes. Hence, it is important to compare and choose the right Card based on your spending needs. Below are some things that you need to consider while comparing Credit Cards:
Spending Needs: Before you choose a Credit Card that may be the best one for you, you need to first analyze your spending habits and patterns. If you are a frequent traveller, then a Card that offers discounts on hotels, airlines or other travel expenses can be a viable option. However, if you spend more on groceries and other retail purchases, then a Card that offers cash back or cash rebates can be beneficial for you. And if you’d like instant access to cash at lower rates get a Card that offers quick cash.
Rewards and Benefits: Some Credit Cards offer reward points for eligible retail purchases, which can be redeemed for cash rebates, staycation bookings, etc. A Credit Card that complements your spending habits and offers the best rewards for your spending can help you take maximum advantage of its benefits.
Higher Credit Limit: Some Credit Cards offer higher Credit limit as a multiple of income and easy conversion to EMI loans at a special rate. If you’re looking for a Card with borrowing facilities, you can book any loan amount you like out of the Credit limit and repay only the monthly instalment or all at once without any extra charges. Credit Cards offer constant replenishment as and when you pay, as compared to one time loans where you have to fill long application forms every time you need to get a new loan.
Annual Fees and Other Charges: Every Credit Card may have different annual fee structures and charges. Some Credit Cards may not charge an annual fee when you reach the minimum spending requirement for that year. However, Credit Cards that charge a high annual rate can also offer lucrative rewards.
Annual Percentage Rate (APR): Credit Cards help you convert large purchases into small monthly payments. If you want to convert your outstanding balance or any large purchase into Equal Monthly Installments (EMIs), then don’t forget to check the Annual Percentage Rate (APR) that’s applicable for the shortlisted Cards. Choosing a Card that offers a lower rate of interest can help you save more with each installment payment.
Cash Advance Options: Some Credit Cards may offer cash advance options, which can help you get extra cash in hand when in need. Don’t forget to check the transaction fee and Annual Percentage Rate (APR) that are applicable for the chosen Card.
Choosing the right Card for the right spending type can help you take advantage of the rewards and privileges it has to offer. So, go to the compare Credit Cards section on the Citi website and select the Credit Card that will suit your needs the best.
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.