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A smarter way to manage your finances

Welcome offer of 0% interest rate for 6 months*

Stress-free funds for your needs

Maximised interest savings

Get better savings with 0% p.a. interest for 6 months tenor*

Make use of unused credit

Get extra cash for the things you care about – from embarking on your dream to paying off your card balances.

Choose how you pay

Adjust how much you want to pay – choose from tenors of 6 to 48 months

How it works

Citi Balance Transfer lets convert unused credit limit from your Citi Credit Card
into cash to do more, with greater interest savings.

Sam used Citi Balance Transfer to get AED 10,000 for 6 months*
Sam used Citi Balance Transfer to get AED 10,000 for 6 months**
  Other banks credit cards Citi Balance Transfer
Interest payable AED 1,550 (3% p.m.) 0%
Service Fee 0% AED 300 (3%)
Total savings: AED 1,250


**The results shown above are for illustrative purposes only. Actual amounts are subject to individual assessment and T&Cs

Enjoy 0% p.a. interest for 6 months for new customers*

Enjoy 0% p.a. interest for 6 months for new customers*

For existing customers 0.99% p.m. flat rate

I'm Interested

*Only for customers who have opened a new card in last 3 months, 3% processing fee applies

See your Citi Balance Transfer options

I'd like to get

AED 250,000
AED 1,000
AED 250,000
Available repayment plans
Est. AED 23,309 /month for 12 months
Est. AED 12,892 /month for 24 months
Est. AED 9,421 /month for 36 months
Est. AED 7,684 /month for 48 months

The BTF calculation above is an illustration based on Flat rate of 0.99% p.m. Your entitled interest rate and tenor is subjected to individuals' eligibility.


  • Benefits

    • Low interest and low installments.
    • Choose the amount that will be transferred to your non-Citibank Credit Card account (up to your available credit card limit).
    • Choose from tenor of your choice up to 48 months.


  • How it works

    • Balance transfer amount will be transferred directly to your beneficiary Credit Card account.
    • The balance transfer amount that you choose will be blocked from your existing Citi Credit Card limit and will release with each payment you make.
    • Monthly installments shall be due for payment & will appear in your next card statement after availing of the balance consolidation offer.


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