Best Credit Card In UAE

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+971

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
  • Earn up to 2.5 Skywards Miles per $ spend
  • Exclusive 100% Metal card + Skywards Silver Membership
  • Unlimited complimentary golf in some of the courses in UAE
  • 10% discount at Amazon.ae & 15% at Zomato once a month

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.


Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Get 10% instant discount on eligible products (up to AED 50) on transactions above AED 150 at Amazon.ae, once every calendar month with your Citi Mastercard credit card. The offer is valid between 15 July to 31 December 2021 (inclusive). Valid on purchase of selected products on Amazon.ae during the offer period (the offer is not available during Amazon special offer periods including but not limited to Amazon White Friday, 11/11, and Prime Day).

Offer Terms and Conditions

Key Features

  • Exclusive 100% Metal card
  • Complimentary Skywards Silver membership (extra baggage and Emirates lounge access in Dubai Airport)
  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
  • Buy 1, Get1 free movie tickets with Reel & Vox cinemas
  • International Concierge
  • Complimentary Marhaba Silver Meet & Greet service
  • 0% interest instalment plan on tickets purchased online at www.emirates.ae
  • Complimentary Travel Inconvenience & Travel Medical Insurance and much more
  • Apply for a Citi Credit Card and enjoy a 12-month amazon prime membership
  • Earn up to 2.5 Skywards Miles per USD spend on tickets purchased online at emirates.com
  • Emirates Advantage Offer
  • Earn 1.50 Skywards Mile per USD of foreign currency spend
  • VoucherSkout – Signup offer
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Avail 4 complimentary tickets at VOX any day of the week. No minimum Spend required
  • 0% interest installment on tickets purchased online at www.emirates.ae
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Compensation for inconvenience due to delayed or missed flights and luggage
  • Unlimited free supplementary cards for your family members on Citi Ultima Card
  • Dining Privileges and exlcusive offers
  • Complimentary international concierge
  • Starwood Hotels & Resorts Complimentary Hotel Nights

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

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
  • 10% discount at Amazon.ae & 15% at Zomato once a month

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

Joining Offers

Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Get 10% instant discount on eligible products (up to AED 50) on transactions above AED 150 at Amazon.ae, once every calendar month with your Citi Mastercard credit card. The offer is valid between 15 July to 31 December 2021 (inclusive). Valid on purchase of selected products on Amazon.ae during the offer period (the offer is not available during Amazon special offer periods including but not limited to Amazon White Friday, 11/11, and Prime Day).


Offer Terms and Conditions

Key Features

  • 1.25 Skyward Miles per USD of foreign currency spend
  • 1 Skywards Miles per USD of local spend
  • Convert Skywards miles into Reward Flights and Business Class upgrades
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • 4 complimentary 'Buy 1 Get 1' movie tickets with VOX cinemas
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary International Concierge Service
  • Exclusive offers worldwide with Citibank World Privileges
  • Complimentary Travel Accident Insurance cover offer
  • VoucherSkout – Signup offer
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Compensation for inconvenience due to delayed or missed flights and luggage
  • Unlimited free supplementary cards for your family members
  • Complimentary international concierge service
  • Dining Privileges and exlcusive offers
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Global Hotel Alliance DISCOVERY Black Membership
  • Exclusive offers worldwide with Citi World Privileges on your Citi Emirates Ultimate Card
  • Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card    

  • 1.25 Skyward Miles per USD of foreign currency spend
  • 1 Skywards Miles per USD of local spend

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

To redeem your Skywards Miles contact Skywards at +971 600 555555 or simply login to your Skywards account at www.emirates.com

Things To Be Aware Of

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

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • 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
  • 2 for 1 movies tickets at VOX cinemas
  • 10% discount at Amazon.ae & 15% at Zomato once a month

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Get 10% instant discount on eligible products (up to AED 50) on transactions above AED 150 at Amazon.ae, once every calendar month with your Citi Mastercard credit card. The offer is valid between 15 July to 31 December 2021 (inclusive). Valid on purchase of selected products on Amazon.ae during the offer period (the offer is not available during Amazon special offer periods including but not limited to Amazon White Friday, 11/11, and Prime Day).

Offer Terms and Conditions

Key Features

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • Unlimited access to 1000+ lounges worldwide for each cardholder
  • 2 complimentary 'Buy 1 Get 1' movie tickets with VOX cinemas
  • 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 Travel Insurance
  • Quick Cash: instant loan on card at a click of a button
  • Exclusive offers worldwide with Citibank World Privileges
  • Apply for a Citi Credit Card and enjoy a 12-month amazon prime membership
  • Unlimited complimentary access to 1000+ airport lounges worldwide for primary & supplementary cardmembers
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Dining Privileges and exlcusive offers
  • VoucherSkout – Signup offer
  • Compensation for inconvenience due to delayed or missed flights and luggage
  • Unlimited free supplementary cards for your family members
  • Exclusive offers worldwide with Citi World Privileges
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

Earn 1 Skywards Mile per USD on international spend and 0.75 Skywards Miles per USD on local 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

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • VoucherSkout-Signup offer
  • 10% discount at Amazon.ae & 15% at Zomato once a month

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Get 10% instant discount on eligible products (up to AED 50) on transactions above AED 150 at Amazon.ae, once every calendar month with your Citi Mastercard credit card. The offer is valid between 15 July to 31 December 2021 (inclusive). Valid on purchase of selected products on Amazon.ae during the offer period (the offer is not available during Amazon special offer periods including but not limited to Amazon White Friday, 11/11, and Prime Day).

Offer Terms and Conditions

Key Features

  • Fly for free with points transfer to a choice of 12 partner airlines including Etihad, British Airways & Turkish Airlines
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Cash back on any travel booking (using points)
  • 'Buy 1 Get 1' movie tickets with VOX cinemas
  • One complimentary round at the Montgomerie, Els, Ranches, Abu Dhabi Golf club and Sadiyat Beach club
  • 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
  • Convert your points into cash rebate or pay for your transactions with points via SMS
  • Earn up to 2 ThankYou® Points for any USD 1 spent in foreign currency on your Citi Premier Card
  • Fine dining program in partnership with over 500 dining outlets in Dubai and across UAE
  • One complimentary Marhaba Bronze Meet & Greet service per year at Dubai International Airport
  • Complimentary purchase Protection
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Uber chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Dining Privileges and exlcusive offers
  • Welcome offer
  • VoucherSkout – Signup offer
  • Fly for Free
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Complimentary Citi Concierge service offer
  • Unlimited supplementary cards for your family members
  • Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Reward Features

Earn 2 ThankYou® Points per USD on international spent and 1.5 ThankYou® Points per USD of local 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 15 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
  • 2nd year the annual fee applicable on this card is AED 750

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
  • 10% discount at Amazon.ae & 15% at Zomato once a 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 new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Get 10% instant discount on eligible products (up to AED 50) on transactions above AED 150 at Amazon.ae, once every calendar month with your Citi Mastercard credit card. The offer is valid between 15 July to 31 December 2021 (inclusive). Valid on purchase of selected products on Amazon.ae during the offer period (the offer is not available during Amazon special offer periods including but not limited to Amazon White Friday, 11/11, and Prime Day).

Offer Terms and Conditions

Key Features

  • The most flexible travel card in the market. Fly for free to any destination with a choice of 12 airline partners including Etihad, British Airways & Turkish Airlines
  • 4th night free at any hotel worldwide with any 4-consecutive-night booking made through Citi Prestige Global Concierge
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Cash back on any travel booking (using points)
  • Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
  • Buy1, Get1 free movie tickets with VOX & Reel cinemas
  • 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
  • Earn 3 ThankYou® Points for any USD 1 spent in foreign currency
  • 10,000 annual anniversary bonus ThankYou® Points on yearly renewal of your card
  • Uber chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • MyUS Online shopping benefits and offers
  • Welcome offer
  • VoucherSkout – Signup offer
  • Fly for Free
  • Airport Meet and Greet Service offer
  • Dining Privileges and exlcusive offers
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Unlimited supplementary cards for your family members
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Complimentary Citi Prestige Concierge service
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Two complimentary Marhaba Silver Meet & Greet service offers per year at Dubai International Airport
  • Complimentary purchase protection
  • Complimentary Qatar Airways Privilege Club Gold Tier Membership offer
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Global Hotel Alliance DISCOVERY Black Membership
  • Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Reward Features

Earn Citi ThankYou® Points

  • Earn 3 ThankYou Points for any USD 1 spent in foreign currency       
  • Earn 2 ThankYou Points for any USD 1 spent in local currency (AED) 

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 15 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

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
  • 10% discount at Amazon.ae & 15% at Zomato once a month

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

Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Get 10% instant discount on eligible products (up to AED 50) on transactions above AED 150 at Amazon.ae, once every calendar month with your Citi Mastercard credit card. The offer is valid between 15 July to 31 December 2021 (inclusive). Valid on purchase of selected products on Amazon.ae during the offer period (the offer is not available during Amazon special offer periods including but not limited to Amazon White Friday, 11/11, and Prime Day).

Offer Terms and Conditions

Key Features

  • Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or shopping vouchers
  • Pay with points for your purchases via SMS or online
  • Unlimited complimentary access to 1000+ airport lounges worldwide for both primary & supplementary cardmembers
  • 2 ‘buy-one, get-one’ complimentary movie tickets with VOX cinemas & 2 'buy-one, get-one' at Reel cinemas too
  • 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
  • Apply for a Citi Credit Card and enjoy a 12-month amazon prime membership
  • Fine dining program in partnership with over 500 dining outlets in Dubai, Abudhabi and across UAE
  • Complimentary Purchase Protection
  • Welcome offer
  • VoucherSkout – Signup offer
  • Dining Privileges and exclusive offers
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Travel Inconvenience Insurance
  • Travel Medical Insurance
  • Unlimited supplementary cards for your family members
  • Exclusive Citi World Privileges on your Citi Rewards Card
  • Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021.

Reward Features

Earn Citi ThankYou® Points

  •  Earn 1.5 ThankYou Points for any USD 1 spent in foreign currency       

  •  Earn 1 ThankYou Points for any USD 1 spent in local currency (AED) 

  •  10 ThankYou Points for every USD 1 spent on hotel bookings at Kaligo.com

With your ThankYou® Points you have the flexibility to redeem for 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