A Detailed Look at Citibank Credit Cards in the UAE

Citibank, a well-known bank, provides various credit cards in the UAE, each tailored to suit different personal preferences and requirements. These cards are notable for their special perks. For instance, some cards allow you to earn Skywards Miles, which you can use for travel-related benefits. Others offer cashback, meaning you get a certain percentage of your spending back as cash. Additionally, Citibank credit cards come with exclusive discounts, allowing you to save money on various purchases. These features make Citibank credit cards a standout choice, offering valuable advantages to their users. Whether you’re a frequent traveller or someone who enjoys saving while shopping, there’s likely a Citibank credit card that matches your lifestyle and needs.

Different Types of Citibank Credit Cards Available in the UAE

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Citibank UAE features various credit cards, including Emirates Credit Cards, Rewards Credit Cards, Cashback Credit Cards, Quick Cash, and Basic Credit Cards. Each card has distinct benefits and privileges suitable for different spending habits and lifestyle preferences.

Emirates Credit Card

Emirates-Citibank Ultima Credit Card

Benefits and Features

• Skywards Miles Earning: Earn up to 2.5 Skywards Miles per USD spent.
• Exclusive Card Design: 100% Metal card along with Skywards Silver Membership.
• Annual Skywards Miles: Receive 10,000 Skywards Miles annually upon payment of the yearly fee.
• Golf Privileges: Unlimited complimentary golf at some of the finest courses in the UAE.
• Sign-Up Offer: 25,000 Skywards Miles + AED 500 cash back, subject to payment of the Annual Membership Fee (AMF) and meeting the minimum spend requirements.

Eligibility

• Minimum Monthly Income: AED 36,750.
• Yearly Membership Fee: AED 3,000.

Emirates-Citibank Ultimate Credit Card

Benefits and Features

• Skywards Miles Earning: Earn up to 1.25 Skywards Miles per USD spent.
• Golf Privileges: Each month, receive one free round of golf at select premier golf courses in the United Arab Emirates.
• Valet Parking: Enjoy a complimentary Valet Parking visit every month across the UAE.
• Skywards Miles Usage: Miles can be used for trips, local hotel staycations, retail shopping, and more.
• Annual Membership Fee: AED 800.
• Sign-Up Offer: AED 500 cash back, subject to minimum spend.

Eligibility

• Minimum Monthly Income: AED 18,000.
• Annual membership fee: AED 800

Emirates-Citibank World Credit Card

Benefits and Features

• Skywards Miles Earning: Earn up to 1 Skywards Mile per USD spent.
• Airport Lounge Access: Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
• Skywards Miles Usage: Miles can be used for trips, local hotel staycations, retail shopping, and more.
• Cinema Offers: Flat 30% off two movie tickets at VOX Cinemas monthly.
• Sign-Up Offer: AED 150 cash back, subject to minimum spend. No Annual Fee in Year 

Eligibility

• Minimum Monthly Income: AED 12,000.
• Annual Membership Fee: AED 400.

Rewards Credit Card

Citi Prestige Credit Card

Benefits and Features

• Point Transfer and Cash Rebate: You can transfer points to 12 partner airlines, including Emirates, Etihad, and Turkish Airlines, or redeem them for a cash rebate.
• Hotel Benefits: 4th night is free at any local hotel for staycations or anywhere worldwide.
• Golf Privileges: Unlimited complimentary golf at some of the finest courses in the UAE.
• Valet Parking: Enjoy two complimentary Valet Parking visits every month across the UAE.
• Sign-up Offer: AED 750 cashback subject to a minimum spend.

Eligibility

• Minimum Monthly Income: AED 30,000.
• Annual Membership Fee: AED 1,500.

Citi Premier Credit Card

Benefits and Features

• Point Transfer and Cash Rebate: Transfer points to 12 partner airlines, including Emirates, Etihad, and Turkish Airlines, or redeem points for a cash rebate.
• Airport Lounge Access: Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
• Cinema Offers: Flat 30% off four movie tickets at VOX Cinemas every month.
• Golf Privileges: Complimentary golf once a month at some of the finest courses in the UAE.
• Sign-up Offer: AED 500 cashback subject to a minimum spend.

Eligibility

• Minimum Monthly Income: AED 15,000.
• Annual Membership Fee: AED 750.

Citi Rewards Credit Card

Benefits and Features

• Point Redemption: Redeem points for cash rebates or travel-related spending.
• Annual Fee Waiver: No Annual Fee (Spend based)*.
• Airport Lounge Access: Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
• Cinema Offers: Flat 30% off two movie tickets at VOX Cinemas monthly.
• Sign-up Offer: AED 150 cashback subject to a minimum spend.

Eligibility

• Minimum Monthly Income: AED 8,000.
• Annual Membership Fee: No Annual Fee (Spend based)*.

Cashback Credit Card

Citi Cash Back Credit Card

Benefits and Features

• Automatic Cash Back:
  • 3% on non-AED spend
  • 2% on grocery purchases
  • 1% on all other spend
• No Minimum Spend: No minimum spend is required to earn cash back.
• No Exclusions: No retail purchases are excluded from earning cash back.
• No Caps: Earn some money back up to your monthly credit limit.
• No Annual Fee: The card offers a spend-based waiver on the annual fee.
• Sign-Up Offer: AED 150 cashback subject to a minimum spend requirement.

Eligibility

• Minimum Monthly Income: AED 8,000
• Annual Fee: There is no annual fee (spend-based).

Quick Cash

Citi Ready Credit

Benefits and Features

1. Higher Credit Limit: This option offers a credit limit of up to 6X your monthly income or AED 175,000, whichever is lower.
2. Cash Access: Provides access to cash up to 100% of your credit limit.
3. Flexible Repayment: Allows repayment as per the monthly schedule or the option to repay all at once without any early loan settlement fee.
4. Special Rate for Instant Cash: Offers instant cash at a special rate starting from 15% per annum in your bank account anywhere within the UAE. This rate is applicable during the term of the first loan booked on the Ready Credit Card within one month of card approval, exclusively for new Citi customers. The annual fee is waived based on meeting certain spending criteria.

Eligibility

• Annual Membership Fee: AED 300.
• Minimum Monthly Income Requirement: AED 8,000.

Basic Credit Card

Citi Simplicity Credit Card

Benefits and Features

1. No Annual Membership Fee: The card does not charge an annual membership fee, making it a cost-effective choice for users.
2. No Late Fee, Cash Advance Fee, or Over Limit Fee: Users are exempt from paying late fees, cash advance fees, or over-limit fees, which enhances the card’s flexibility and ease of use.
3. 0% Interest on Balance Transfers for 6 Months: The card offers an introductory 0% interest rate on balance transfers for the first six months, providing a beneficial option for those looking to consolidate debt or transfer balances from other cards.

Eligibility

• Annual Membership Fee: AED 0
• Minimum Monthly Income: AED 5,000

Please note that these details are based on the information available on the Citibank UAE website as of now and are subject to change. Always refer to the latest bank information for the most current details.

Required Documents to Apply for a Citibank Credit Card 

• Emirates ID: Ensure you have a valid Emirates ID.
• Passport: You will need your passport.
• UAE visa: If applicable, have a copy of your valid UAE visa.
• Salary Account IBAN: Know your salary account’s IBAN.

How to Apply for a Citibank UAE Credit Card?

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1. Visit the Citibank UAE Credit Card application page: Go to the Citibank UAE credit card application page. You can use the link you provided: Citibank Credit Card Application.
2. Choose a credit card: Browse through the available credit card options. Citibank offers various cards with different benefits, such as the Emirates-Citibank Ultima, Emirates-Citibank Ultimate, and Emirates-Citibank World cards. Each card has unique features and benefits, so select the one that best suits your needs.
3. Review card details and offers: Before applying, carefully review the card details, including benefits, fees, rewards, and welcome offers. For example, the Emirates-Citibank Ultima card offers AED 500 cashback subject to minimum spend criteria and up to 2.5 Skywards Miles per $1 spent.
4. Check eligibility criteria: Ensure you meet the eligibility criteria for the chosen card, such as minimum income requirements and age restrictions.
5. Click on ‘Apply Now’: Once you’ve selected a card, click on the ‘Apply Now’ button associated with that card.
6. Fill out the application form: You will be prompted to complete an application form. Provide all the required information, including personal, contact, employment, and financial information.
7. Submit necessary documents: You may be required to submit documents to support your application, such as proof of income, identification, and residency documents.
8. Review and submit your application: Double-check your entered information for accuracy, then submit your application.
9. Please wait for approval. After submitting your application, Citibank will review it. This process includes credit checks and verification of the information provided. You will receive an in-principle decision based on the information you’ve provided.
10. Follow-up: Citibank may contact you for further verification or additional information if approved. Once all verifications are complete, your credit card will be issued and mailed to you.
11. Activate your card: Follow the instructions to activate it upon receiving it.

Additional Information:

• Terms and conditions: Please read the terms and conditions associated with the credit card, including fees, charges, and interest rates.
• Welcome offers: Some cards come with welcome offers, which might require you to meet certain spending criteria within a specified period.
• Minimum payment consequences: Be aware of the consequences of missing minimum payments, such as late fees, negative impact on your credit rating, and potential legal actions.
• Credit bureau report: When you apply for a credit product, like a credit card, and give your Emirates ID or passport, the bank will check your credit history by getting a report from the credit bureau.

Conclusion

Citibank’s range of credit cards in the UAE offers something for everyone, whether you’re looking for luxury travel benefits or simple cashback rewards. By understanding these cards’ features, benefits, and application process, you can make an informed decision that suits your financial needs and lifestyle.