Citi Emirates Ultimate

Emirates Ultimate

Minimum Salary AED 18000
Annual Fee AED 800
Rate 3.25%
Cash Advance 3% /Min 99
Non AED Transaction Fee 2.99%
Minimum Salary AED 18000
Annual Fee AED 800
Rate 3.25%
Cash Advance 3.00% /Min 99
Non AED Transaction Fee 2.99%

Top Reasons To Choose

  • 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

Things To Be Aware Of

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

The ultimate card for the frequent traveller! 

Earn up to 1.25 Skywards Miles on every USD spent on your Emirates-Citibank Ultimate Credit Card and redeem miles for rewards flights and upgrades with Emirates 

Enjoy unlimited access to 1000+ airport lounges worldwide for you and a guest and also enjoy a complimentary round of golf once a month 

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


Joining Offers

Detailed Features

Airport lounge access

Complimentary access to 1000+ airport lounges worldwide for you, your supplementary cardmembers, plus one free guest each per visit. 1,000 + Airport lounge access with LoungeKey

Your Emirates-Citibank Ultimate MasterCard brings you unlimited complimentary access to 1,000+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit. To enjoy this benefit and to avoid unnecessary lounge charges simply follow the steps when travelling.

You and your supplementary cardholders are entitled to bring 1 guest each when using LoungeKey lounges

Always ensure both primary and supplementary cards are swiped at the lounge for access

A $32 charge will apply to all guests above your 1 guest each allowance entering the lounge and will be billed directly to your card.

Children over 1 year old are considered as paying guests.

Always inform the lounge you are entering with LoungeKey

Before visiting check lounge availability and terms and conditions or via the LoungeKey app

Complimentary golf offer

Your Ultimate Credit Card is associated with some of the finest golf courses in the UAE and will ensure unforgettable golfing memories. You qualify for complimentary golf once per month at any time during the week including weekends.

In order to reserve an available slot please submit your request 15 days before the date of play. Golfers must have a valid handicap. The minimum handicap requirement is 28 for men and 36 for women.

To be eligible for this offer there is a spend requirement of at least AED 5,000 per month. 

You can play at The Els Golf Club Dubai, Trump International Golf Club Dubai, Arabian Ranches Golf Club Dubai, Montgomerie Golf Club Dubai, Abu Dhabi Golf Club and Saadiyat Beach Golf Club Abu Dhabi.

Please refer to the banks portal for disclaimers and terms and conditions.

Complimentary movie tickets offer

You can enjoy up to four 'buy-one, get-one' complimentary movie tickets with VOX cinemas each month on any day of the week with your Citi Credit Card.

How to book your tickets:

  1. Visit OR download and open the mobile application
  2. Login in as a VOX member. If you have not yet registered as a VOX member, you can register for free.
  3. Once registered, log in with your username and password.
  4. Select your movie, cinema and show time
  5. Select the Citi "buy 1, get 1" offer, and validate your card
  6. Choose your seats and pay using your Citi Credit Card
  7. Kindly note that this is an upfront offer and not a cash back. The cost of the free ticket should not be a part of your payment amount

The buy 1 get 1 free movie tickets offer is only applicable for the primary card holder, using a supplementary card to book movie tickets under this offer may result in full charges being levied

Redeem Skywards Miles on your Citi Emirates Ultimate Card

By purchasing a reward ticket or upgrading an existing booking from Economy to Business or from Business to First Class with Emirates.

At any of the Emirates partners in hospitality, car hire, lifestyle, retail or at the Emirates partner airlines.

On the Emirates High Street - a leisurely and rewarding shopping experience with a diverse selection of over 400 products to choose from.

VoucherSkout-Signup offer

50% discount on total bills at over 1000 outlets

Credits will be valid for 12 months from activation date.

Customers are entitled to only one free credit bundle per Citi credit card within a 12 month period as follows:

a.      150 Credits: Emirates-Citibank Ultima & Ultimate, Citi Prestige, Citi PremierMiles Elite cardholders

b.      50 Credits: all other cardholders


Complimentary Meet & Greet Service

Enjoy 1 complimentary Marhaba Bronze Meet & Greet Service in a year. With your Citi Emirates-Citibank Ultimate Credit Card you can enjoy 1 complimentary Marhaba Bronze Meet & Greet Service in a year. All you need to do to enjoy a complimentary Marhaba Bronze Meet & Greet service is book at least 48 hours ahead of arrival/departure, by calling 24/7 CitiPhone Banking Service +971 4 311 [4000/ 4653].

Late bookings can be made directly through the Marhaba call centre or sales office at the cardholder's expense. Additional charges apply for late bookings (less than 10 hours) at Dubai International Airport. Please contact Marhaba Dubai Call Centre at +971 4 3898989 or for further details.

Easy Instalment Plans: Turn any purchases into small payments

Instaloan: Cash at a click of a button

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

Mastercard World Elite privileges


  • Access for you and one accompanying guest to 1000+ airport lounges, worldwide
  • Enjoy special privileges and 10% discount at onefinestay luxury serviced apartments
  • Get priority check-in, lounge access, and much more across Qatar Airways and the Oneworld® airline alliance
  • Enjoy the comfort of Global Hotel Alliance DISCOVERY Black membership across more than 550 hotels
  • Enjoy luxury resort offers as you escape to Soneva's remote locations
  • Receive a discount on international, roundtrip airfare when booking with Cleartrip
  • Faster returns, discounts and class upgrades with Hertz Gold Plus Rewards®
  • Enjoy a special saving of 15% on a VIP meet & greet service at over 470 airports, globally
  • Enjoy a complimentary third night on booking two nights with Oberoi Hotels & Resorts.
  • Enjoy up to 25% off your next rental when you book with Avis
  • Apply and book visa appointments online through Fulfill Solutions, for a flat fee of $15
  • Access handpicked experiences and offers in cities around the world
  • Enjoy 10% off your car rental with
  • Reclaim your VAT when you travel with Global Blue VIP Services
  • Enjoy up to 10% back on your hotel bookings at
  • Enjoy special privileges and 10% discount at onefinestay luxury serviced apartments
  • Enjoy discounted rides with Uber


  • Personalized concierge assistance, whenever you need it
  • Enjoy 10% off luxury clothing online with Farfetch.
  • Shop at thousands of U.S. online stores with a discount on shipping using MyUS
  • Get exclusive offers at 9 shopping villages in Europe
  • Get access to thousands of offers throughout Middle-East and Africa with Priceless Specials
  • Learn anything, on your own schedule, with Udemy
  • Join the learning adventure with Lingokids!


Travel doesn't always go as planned. If you encounter an obstacle, you shouldn't have to face the inconvenience alone. Whether your luggage goes amiss or flight delays interrupt your plans, World Elite Mastercard® can compensate you for:

  • Baggage loss - up to USD 3,000
  • Baggage delay - USD 500
  • Trip cancellation - up to USD 7,500
  • Trip curtailment - up to USD 7,500
  • Trip delay - USD 500
  • Missed connection - USD 500

You and your loved ones deserve peace of mind every time you travel. Rest assured that you will receive compensation for medical care or emergency help if you need it. For the greatest peace of mind, enhanced protection options are available to ensure that while you're traveling, your health and safety needs are met promptly and efficiently. As a World Elite Mastercard® cardholder, you get:

  • Personal accident insurance - up to USD 500,000
  • Emergency medical evacuation and repatriation - up to USD 500,000
  • Medical emergency expenses - up to USD 500,000
  • Daily in-hospital cash benefit – USD 100 per day

Sometimes accidents happen, whether or not they are your fault. With Rental Collision & Loss Damage Waiver, World Elite Mastercard® cardholders have insurance on rental vehicles for:

  • Physical damage to the rental car in addition to loss of use, theft, and natural calamities – up to USD 50,000
  • Towing of the vehicle – up to USD 100
  • Vehicle drop off charges – up to USD 100
  • Obtaining a travel insurance confirmation letter has never been easier. As a World Elite Mastercard® cardholder you can generate a letter online seamlessly and immediately for your Schengen or other visa requirements.

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