Card Services
Balance Transfer Credit Cards - Citibank
A smarter way to manage your finances with Credit Cards balance transfer
Welcome offer of 0% interest rate for 6 months*
With the Citibank credit card balance transfer feature, you can repay your outstanding non-Citibank credit card debt without stress. This feature will help you clear off the outstanding balance of your present credit card by offering a low-interest rate. You can even select a tenor of your choice.
To start the process, simply apply for a Citi Credit Card. Once approved, the balance amount will be transferred from your Citi Credit Card to your non-Citibank credit card, helping you consolidate your outstanding balance.
Stress-free funds with Credit Cards Balance Transfer
Maximised interest savings
Get better savings with 0% p.a. interest for 6 6-month term*
Make use of unused credit
Access extra cash for what matters most — whether it is pursuing a dream or paying off existing card balances.
Choose how you pay
Adjust how much you want to pay – choose from tenors of 6 to 48 months
How Credit Cards Balance Transfer Work?
Citi Balance Transfer lets you convert the unused credit limit on your Citi Credit Card into cash, helping you do more while saving on interest.
Sam used Citi Balance Transfer to get AED 10,000 for 6 months**
| Other banks Credit Cards | Citi Balance Transfer | |
|---|---|---|
| Interest payable | AED 1,550 (3% p.m.) | 0% |
| Service Fee | 0% | AED 300 (3%) |
| Total savings: AED 1,250 | ||
**The results shown above are for illustrative purposes only. Actual amounts are subject to individual assessment and T&Cs
Enjoy 0% p.a. interest for 6 months for new customers*
*Only for customers who have opened a new card in last 3 months, 3% processing fee applies
Frequently Asked Questions
- Low interest and low installments.
- Choose the amount that will be transferred to your non-Citibank Credit Card account (up to your available credit card limit).
- Choose from a tenor of your choice up to 48 months.
- The balance transfer amount will be transferred directly to your beneficiary Credit Card account.
- The balance transfer amount that you choose will be blocked from your existing Citi Credit Card limit and will be released with each payment you make.
- Monthly installments shall be due for payment & will appear in your next card statement after availing of the balance consolidation offer.
A balance transfer may impact your credit score in different ways. It can help improve your credit utilization ratio if used responsibly, which could boost your score. However, applying for a new card may trigger a hard inquiry, which could result in a temporary dip. Timely repayments on the transferred amount are key to maintaining or improving your credit profile.
Copyright © 2025 Citigroup Inc.
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I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank N.A. Citibank N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank N.A. from and against any losses, claims and/or liabilities incurred by Citibank N.A. as a result of having relied on such information. Citibank N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information.
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