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Loan on Credit Card and Easy Installment Plans in UAE
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Avail Loan on your Citi Credit Card in a few clicks.
T&C's apply. Refer to section D(2)(B).
We understand that life presents endless possibilities. Citi brings you a wide range of convenient installment loans for your every need. Whether you want to upgrade your favourite gadget, consolidate your credit card balance, pay school fees, or buy a new TV, our installment loans can fulfill all your cash needs without straining your budget.
Don’t have a Citi Card yet and want Cash instantly? NEW
With Citi Ready Credit, you can now access cash instantly with higher credit limits up to 6x of your monthly salary. Click here to apply now and get instant* cash at a special rate starting from 15%** per annum, in your existing Citi account or your account in any other bank within the UAE.
Our suite of flexible installment loans will ensure that your cash flow needs are fulfilled on time. Explore our installment loans online and choose a plan that works for you!
*Based on credit limit approval. As soon as the credit limit is approved amount will be transferred to the provided account before physical card delivery & activation. Please note that once the physical card has been delivered, the virtual card will become redundant. Kindly activate your physical card as soon as you receive it.
**T&Cs apply. 15% is an annual rate and is applicable during the term of the 1st loan booked on Ready Credit Card within 1 month of card approval. Applicable only for new Citi customers.
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Get cash when you need – no questions asked; pay it back as per monthly schedule or all at once – no fees attached.
Maximize the value of your credit limit with an instant cash loan.
Why wait for the things you want? Take advantage of the excess cash in your bank account.
Go big and pay small. Convert your retail transactions into easy installments to repay over time.
Repayment options that suit your needs, with lower interest rates and smaller installments.
Pay off other bank card balances, at lower interest rates, without any fixed installments.
Frequently Asked Questions
An installment loan on a credit card in the UAE lets you convert your available credit limit into cash that is instantly disbursed to your bank account. This amount is repayable in monthly installments at a lower interest rate than standard credit card charges.
When you apply for an instant loan on credit card, the approved amount is blocked from your current credit limit. Each installment you pay monthly will release a portion of that blocked limit. The installment amount will be reflected in your upcoming credit card statements.
Interest is charged daily on a reducing balance basis, using a 365-day year (or 366 in a leap year). The applicable rate is set by Citibank and is published in the Schedule of Fees and Charges.
The maximum eligible amount for a loan on credit card in the UAE can be found under the ‘Loan on Card’ section of your credit card account interface. This amount is based on your available credit limit and eligibility.
Disbursement timelines may vary depending on your bank account. For Citibank accounts, funds are typically credited on the same day. For other banks, it may take up to 3 working days. This makes it ideal for those seeking an instant loan on credit card with quick access to funds.
Yes, early or full settlement of your installment loan on a credit card is possible, subject to Citibank's approval. An early settlement fee of 1% of the remaining principal will apply. Interest will be charged on the outstanding amount from your last statement date until the card is closed.
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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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