Apply online for a new Citi Credit Card and get up to
AED 2000 cash back welcome offer!
(Exclusive online offer)

T&C’s Apply.
Joining bonus statement credit is provided to Citi Credit Card customers who apply/submit a lead through
Citi website and meet the applicable minimum spend.

Credit Cards

Unlock a world of exciting benefits with Citi Credit Cards.

Credit Card Benefits

AED 1,250 Joining bonus statement credit upon meeting min spend criteria of AED 25,000 in 90 days
Transfer points to 12 partner airlines including Emirates, Etihad and Turkish airlines or redeem points for cash rebate and e-vouchers
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

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

^**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.

Find the Credit Card that best meets your needs

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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?
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?
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?
When will I be charged an Over Limit Fee on my Credit Card?
When are Finance Charges levied on my Credit Card?
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:

Product	Joining Bonus Statement Credit	Min spend to be achieved in 90 days
Emirates- Citibank Utima	AED 2,000	AED 25,000
Citi Prestige	AED 1,250	AED 25,000
Emirates- Citibank Utimate	AED 750	AED 20,000
Citi Premier	AED 600	AED 10,000
Emirates-Citibank World	AED 200	AED 5,000
Citi Cash Back
Citi Rewards

Click here to view Amazon offer T&C’s.

Click here to view Carrefour offer T&C’s.

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)

*25,000 & 10,000 Bonus Skywards Miles for Emirates Citibank Ultima Credit Card will be given after payment of full Annual Membership Fee.

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.

Apply for a new Citi Credit Card and get up to AED 2000 cash back welcome offer!

Apply online for a new Citi Credit Card and get up to AED 2000 cash back welcome offer! (Exclusive online offer)

Credit Cards

(World Elite)

(World Elite)

(World)

(World Elite)

(World Elite)

(World)

(World)

(Titanium)

(Platinum)

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

Life and Money

Frequently Asked Questions

Frequently Asked Questions

Key Conditions

Apply online for a new Citi Credit Card and get up to
AED 2000 cash back welcome offer!
(Exclusive online offer)