Best Credit Card In UAE
+971
Citi Credit Cards

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership fee in year 1

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Key Features

  • 3% cashback on non-AED spend, 2% cashback on Grocery Spend and 1% cashback on all other Spend
  • Unlimited, a Automatic cashback on all spend
  • Automatic cashback, No caps (up to the credit limit each month), no minimum spend, no redemption process and no spend categories excluded
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Unlimited, Automatic Cashback on all Spend

 

3% cashback on all non-AED spend

2% cashback on all grocery/supermarket spend

1% on all other spend

 

No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.

Things To Be Aware Of

  • 2nd year Annual Fee of AED 300 if annual spend < AED 9,000
  • VoucherSkout credits valid for 12 months from activation
APPLY NOW

on Citi site

MINIMUM SALARY

AED 36,750

RATE

3.25%

ANNUAL FEE

AED 3,000

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn up to 2.5 Skywards Miles per $ spend
  • Complimentary Emirates Skywards Silver membership
  • Exclusive 100% Metal card
  • Unlimited complimentary golf in some of the courses in UAE
  • 25,000 welcome bonus Skywards Miles

MINIMUM SALARY

AED 36,750

RATE

3.25%

ANNUAL FEE

AED 3,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.


Key Features

  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Earn up to 2.5 Skywards Miles per $ spend
  • Exclusive 100% metal card + Skywards Silver Membership
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 150 credits to enjoy 50% off your total bill at participating merchants across grocery delivery, dining and spas
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Silver Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card

  • 2.5 Skywards Miles per USD spend on tickets purchased online at emirates.com
  • 1.5 Skywards Miles per USD of FX spend
  • 1 Skywards Mile per USD of local spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Things To Be Aware Of

  • VoucherSkout credits valid for 12 months from activation
  • Minimum spend of AED 5,000 per month for complimentary golf
APPLY NOW

on Citi site

MINIMUM SALARY

AED 18,000

RATE

3.25%

ANNUAL FEE

AED 800

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn up to 1.25 Skywards Miles per $ spend
  • 1 Complimentary golf a month at the finest courses in UAE
  • 50% on food delivery, dine in bills voucherskout credits
  • Your Skywards Miles can be used for your next trip
  • Unlimited access to 1000+ airport lounges

MINIMUM SALARY

AED 18,000

RATE

3.25%

ANNUAL FEE

AED 800

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1.25 Skywards Miles per USD
  • Convert Skywards miles into Reward Flights and Business Class upgrades with Emirates
  • Complimentary Valet Parking once a month with Valtrans
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • 150 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • ‘Buy 1 Get 1 free’ movie tickets at VOX cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

       

  • 1.25 Skyward Miles per USD on non AED spend
  • 1 Skywards Miles per USD on other AED spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • VoucherSkout credits valid for 12 months from activation
  • Minimum spend of AED 5,000 per month for complimentary golf
APPLY NOW

on Citi site

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 400

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn up to 1 Skywards Mile per USD spent
  • 50% off food delivery, dine in bills free Voucherskout crdts
  • Your Skywards Miles can be used for your next trip
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in Year 1

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend. 

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • VoucherSkout credits valid for 12 months from activation
  • Annual fee of AED 400 from year 2 onwards
APPLY NOW

on Citi site

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • VoucherSkout-Signup offer
  • Annual Fee Waiver for the first year
  • Flat 30% off 4 movie tickets at VOX Cinemas every month

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

AED 500 can be offset with 15,000 ThankYou® Points  for any  travel-related purchase,  No limitation


Key Features

  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways.
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Buy1 and Get 1 free, flat 30% off 4 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
  • Citibank World Privileges, Free Citibank Alerting service and much more

Reward Features

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

  • Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays
  • Redeem points for cash rebates or shopping vouchers
  • Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings 
  • Choose from merchandise ranging from apparel to electronics to home goods and more

AED 500 can be offset with 15,000 ThankYou® Points  for any  travel-related purchase,  No limitation

Things To Be Aware Of

  • Minimum spend of AED 5,000 p.m for complimentary golf access
  • 2nd year the annual fee applicable on this card is AED 750
APPLY NOW

on Citi site

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Strong rewards earnings & travel benefits
  • VoucherSkout-Signup offer
  • Up to 4 buy1-get1 movie ticket offers each month

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Citi Prestige Credit Card and get up AED 750 welcome offer as a statement credit.

Also, earn 10,000 annual ThankYou® Points on yearly renewal of your Card. 

Citibank Terms & Conditions apply.

Key Features

  • Sign up for a Citi Prestige Credit card and get AED 750 welcome offer
  • 4th night free at any hotel locally or worldwide
  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 150 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Citi Prestige Global Concierge team, available to assist you 24/7 from anywhere in the world
  • Complimentary Marhaba Silver Meet & Greet service twice a year at Dubai International Airport
  • Complimentary Travel Insurance and Purchase Protection

Reward Features

Earn Citi ThankYou® Points

  • Earn 3 ThankYou Points for any USD 1 on non AED spend       
  • Earn 2 ThankYou Points for any USD 1 on other AED spend 

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

  • Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays
  • Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings 
  • Choose from merchandise ranging from apparel to electronics to home goods and more

Things To Be Aware Of

  • Minimum spend of AED 5,000 p.m for complimentary golf access
  • VoucherSkout credits valid for 12 months from activation
APPLY NOW

on Citi site

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn ThankYou Reward points on all spends
  • VoucherSkout-Signup offer
  • Unlimited global airport lounge access to 1000+ lounges
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in year 1

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Key Features

  • Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or shopping vouchers
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery & food delivery, dining, cinemas, golf, spas and theme parks!
  • ‘Buy 1 Get 1 free’ Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Pay with points for your purchases via SMS or online
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend

 

With your ThankYou® Points you have the flexibility to redeem for cash rebates, travel rewards, merchandise, gift vouchers and many other rewarding experiences 

 

-- Choose from merchandise ranging from apparel to electronics to home goods and more

- Pay with Points for your purchases through SMS or Citibank Online

Things To Be Aware Of

  • 2nd year Annual Fee of AED 300 if annual spend < AED 9,000
APPLY NOW

on Citi site

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Easy Installment Plan
  • Cash Loan
  • No Cash Advance, Late or Overlimit fee
  • Free for life

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min AED 99

Key Features

  • No annual fee, late payment fee, cash advance fee or overlimit fee- ever
  • Access to select airport lounges across the Middle East
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members

Reward Features

The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.


Things To Be Aware Of

  • There are no rewards or cashbacks on this card
APPLY NOW

on Citi site

Citi

Citi came into existence on June 16th, 1812 in United States as City Bank of New York. The bank’s principles - common purpose, responsible finance, ingenuity, and leadership - are the bridge that connects its 200-year history with the future they aspire to create. Citi as a group put great efforts to provide consumers, corporations, governments, and institutions with a broad range of financial services and products.

Present in the United Arab Emirates since 1964, when the bank opened its first branch in Dubai, Citi has been known ever since for delivering excellence while consistently bringing world-class banking products and services to the local market. Citi, the consumer banking arm of Citi, is currently a major player in the UAE's credit card market and a leading provider of Wealth Management and Consumer Credit services. Citi's branch network in the UAE includes and a network of 60 ATMS located at various commercial centers across the UAE.

Citi provides you with an opportunity to bank in a safe and secure way. Be it Corporate Finance, Global Banking, Islamic Banking or Offshore Banking it is all in one place.

Citi provides plethora of products and services for institutions and individuals customized to meet their requirements.

Some of the products & services are –

  • Banking – Accounts & Deposits, Debit Cards, Funds Transfer
  • Credit Cards
  • Loans – Personal Installment Loans, Salary Transfer Loans
  • Insurance
  • Wealth Management
  • Corporate Solutions – Trade Finance Solutions, Treasury, Islamic banking and much more.

Citi Credit Cards

Citi credit cards have been popular in the UAE consistently. They offer credit cards in Dubai, UAE under travel, cashback, and lifestyle segments. Their Citi cash back credit card is quite popular with a straightforward and simple to understand reward criteria. Citi also offers high end premium cards such as Citi Emirates Ultima and Citi Prestige Card which are loaded for benefits.

There are four type of credit Cards that Citibank in the UAE offers

Emirates Credit Cards

These are travel credit cards which offers customers emirates skywards miles as loyalty rewards. As you see in the table below, there is a card for customers earning from AED 12000 in this category.

Popular Cards from Citi

Income Eligibility

Annual Fee

Interest / Profit Rate

Citi Emirates Ultima Card

AED 36,750

AED 3,000

3.25%

Citi Emirates Ultimate

AED 18,000

AED 800

3.25%

Citi Emirates World Card

AED 12,000

AED 400

3.25%

Emirates is one of the leading airlines in the world and frequent flyers in the UAE are quite familiar with the benefits of having a skywards credit card. While there are quite a few banks which offer skywards credit cards in the UAE, Citibank emirates skywards credit cards are quite popular for its overall benefits, features, loyalty rewards and transparency.  Do read our article on the best emirates skywards credit cards here.

The Citibank Ultima credit card is an exclusive premium credit card offering from Citi which is well known to be one of the leading credit card issuers in the world. Among other benefits this card offers the card holder the unique opportunity to hold a metal credit card. The Citibank Emirates Ultima credit card offers an extremely well-rounded feature set of good Skywards miles rewards across most categories, an excellent joining offer for customers applying online, and many other significant benefits including:

  • 2.5 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1.5 & 1 Skywards mile(s) per USD for international and domestic spends respectively
  • Complimentary Emirates Skywards Silver Tier membership
  • AED 2,000 statement credit for online applications
  • Credit card is made of metal (only one among all Skywards credit cards)
  • Complimentary cinema offers at both VOX & Reel cinemas
  • Unlimited complimentary airport lounge access for each cardholder plus a guest
  • Highest category of Mastercard credit cards – ‘Mastercard World Elite’ benefits & offers

The Citibank Emirates Skywards Ultimate credit card caters to frequent travelers and is loaded with travel features which makes it one of the most sought-after credit card in the UAE.

1.25 Emirates Skywards miles per USD international and 1 skywards for domestic spends respectively

  • AED 800 statement credit for online applications
  • Complimentary golf offer
  • Credit card is made of metal (only one among all Skywards credit cards)
  • Complimentary cinema offers at both VOX & Reel cinemas
  • Unlimited complimentary airport lounge access for each cardholder plus a guest

Citibank Skywards World Credit Cards lets you Earn up to 1 Skywards Mile on every USD spent This card does not have annual feel in year 1. Redeem them for flights and upgrades with Emirates and Flydubai or shopping using your miles at Dubai duty free.

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Rewards Credit Cards

There are three credit cards catering to different income segments under this category. Top of the range is the Citi Prestige credit card, followed by Citi Premier and finally Citi Rewards credit card.

Popular Cards from Citi

Income Eligibility

Annual Fee

Interest / Profit Rate

Citi Premier Credit Card

AED 15,000

AED 0

3.25%

Citi Prestige Credit Card

AED 30,000

AED 1,500

3.25%

Citi Rewards Credit Card

AED 8,000

AED 0

3.25%

Citi Prestige Credit Card offers thank you points as loyalty rewards. With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences
Earn 3 ThankYou Points for any USD 1 on non-AED spend
Earn 2 ThankYou Points for any USD 1 on other AED spend

You can choose to transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays, Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings or choose from merchandise ranging from apparel to electronics to home goods and more. Below are some of the highlights for the card.

  • AED 750 welcome offer on sign up
  • 4th night free at any hotel locally or worldwide
  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1000+ Lounge Key lounges worldwide (+guest)
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 150 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Citi Prestige Global Concierge team, available to assist you 24/7 from anywhere in the world
  • Complimentary Marhaba Silver Meet & Greet service twice a year at Dubai International Airport
  • Complimentary Travel Insurance and Purchase Protection

Citi Premier Credit Card offers Flexible Rewards for you. Earn 2 ThankYou® Points on non AED spend and 1.5 ThankYou® Points per USD on other AED spend.

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences

  • Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays
  • Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings
  • Choose from merchandise ranging from apparel to electronics to home goods and more

 Redeem points for cash rebates, merchandise, staycation bookings or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways plus unlimited access to 1000+ lounges worldwide for you and 1 guest. Below are some of the highlights for the card.

  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 4 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
  • Citibank World Privileges, Free Citibank Alerting service and much more

Citi Rewards Credit Card helps you convert your spend into cash rebate, shopping vouchers and much more. Enjoy unlimited access to 1000+ airport lounges worldwide and get instant cash loan at a click of a button with the Quick cash facility. Receive AED 200 Cashback Welcome offer upon meeting minimum spend of AED 5,000 in 90 days.

No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply. Below are some of the highlights for the card.

  • Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or shopping vouchers
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery & food delivery, dining, cinemas, golf, spas and theme parks!
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Fast, safe and effortless purchases, with Apple Pay
  • Pay with points for your purchases via SMS or online
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Cashback Credit Cards

Citi Cashback credit card is one of the popular cashback credit cards in the UAE. Known for its hassle-free operation, the cards comes with no spend or no caps. What not the cashback redemption process is also simple and automated without having a need to raise a manual request to the bank. You can enjoy unlimited, automatic Cashback on all spend with the Citi Cashback Credit Card best cash back credit card in the market. 

Earn 3% on non-AED spend, 2% on grocery & supermarket spend and 1% on all other spend. No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded. Below are some of the highlights for the card.

•    No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

•    50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas

•    Unlimited access to 1000+ LoungeKey lounges worldwide 

•    Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app

•    Fast, safe and effortless purchases, with Apple Pay

•    PayLite: turn any big purchases into small payments

•    Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Basic Credit Cards

The Citi Simplicity Credit Card has No annual fee, late payment fee, cash advance fee or overlimit fee, ever.

It is designed to be easy to use considering your basic lending requirements. Simpler terms, no hassle. Below are some of the highlights for the card.

  • No annual fee, late payment fee, cash advance fee or overlimit fee- ever
  • Access to select airport lounges across the Middle East
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members





Popular Cards from Citi Income Eligibility Annual Fee Interest / Profit Rate
Citi Cashback Credit Card AED 8,000 AED 0 3.25%
Citi Emirates Ultima Card AED 36,750 AED 3,000 3.25%
Citi Emirates Ultimate AED 18,000 AED 800 3.25%
Citi Emirates World Card AED 12,000 AED 400 3.25%
Citi Premier Credit Card AED 15,000 AED 750 3.25%
Citi Prestige Credit Card AED 30,000 AED 1,500 3.25%
Citi Rewards Credit Card AED 8,000 AED 0 3.25%
Citi Simplicity Credit Card AED 5,000 AED 0 3.50%

FAQs

•    One can apply for a Citi credit card through

•    Visiting one of the bank’s branches and submitting required documents

•    Apply directly on the bank’s online application forms.

•    Banks Kiosks at various locations

•    You can now apply directly through Soulwallet for Citi Credit card. Your application will be re-directed to respective credit card application form with Citi. 

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision


Citi Simplicity card required a minimum of AED 5000 salary per month. Cashback and Reward credit cards are offered at AED 8000 per month. Their Premium Cards Prestige requires AED 30,000 and Ultima requires AED 36750 monthly salary to qualify.

Most of the Citi Credit cards carry features such as Complimentary Cinema, Golf, Valet, Airport Transfer etc., their Citi cashback credit cards is simple and popular with 3% on international spends, 2% on grocery and 1% on all other spend with no exclusions and no caps. Citi also offers a welcome offer on quite a few credit cards.

Citi Rewards and Premier Credit cards offers Thankyou points on their cards which can be redeemed on their rewards portal. One can also use their Thankyou points to shop on Amazon.

Simplicity credit card can also be called a “No Frill” card. There are no annual fee, late fee, cash advance fee or over limit fee on this credit card. This card does not have any loyalty reward though.

Citi Cashback credit card comes with No caps, no minimum spends, no redemption process & no spend requirements. It is a simple and hassle-free cashback credit card. It offers excellent cashback on international spend ( 3% non AED spend) and  2% on grocery spend and 1% on the other spend.

Citi cashback credit card does not have annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

Yes, if you are meeting the requirements such as income eligibility, residency status, employment etc., you are eligible to apply for a credit card even if your company is not listed.

Earn up to 2.5 Skywards Miles per USD spend with a 100% exclusive metal credit card. Redeem miles for free flights and upgrades with Emirates and partner airlines or at any of the Emirates partners in hospitality, car hire, lifestyle & retail. Enjoy complimentary Skywards Silver membership giving you extra baggage and Emirates lounge access in Dubai Airport and unlimited access to 1000+ airport lounges worldwide for you and a guest. Also enjoy unlimited golf on weekdays and 1 free round on weekends per month. Citi Ultima credit card is offered to customers earning AED 36750 monthly salary and upwards. This card comes with an annual fee of AED 3000, which is incomparable to the benefits and features offered on the card.