Before You Apply
Have the following ready to complete your application faster:
10 Minutes is all it takes!
Apply for a Citi Card in
10 minutes & get up to AED 1,000.
Apply Now
*T&C's Apply. Welcome offer cashback is subject
to minimum spend and annual fee (where applicable).
Cash back is provided only to new Citi credit card customers.
Choose from the below
Emirates ID
Keep your Emirates ID handy for identity verification.
Well-Lit Environment
You'll be asked to take a quick selfie. Make sure you're in a well-lit area for the best experience.
Address Proof
You may be asked to provide proof of address, so it's helpful to have it available before you begin.
Mobile Number & Email
Ensure you have access to your registered mobile number and email address for verification and updates.
Secure & Confidential
Your data is encrypted and protected at every step of the way.
Quick. Easy. Secure. Apply anytime, anywhere and start enjoying the privileges of a Citi Credit Card.
Cash Back Card
CITI CASH BACK
- Automatic cashback with 3% on Non AED spend, 2% on Grocery Spend & 1% on all other spend.
- Access to 1,200 lounges worldwide with MasterCard Travel Pass app.
- No Annual Fee (Spend based)*
No Annual Fee (Spend based)*
| Annual fee AED 300* |
Minimum Monthly Income AED 8,000 |
Travel Cards
CITI ULTIMA
- AED 1,000 cashback subject to min spend criteria of AED 25,000 in 60 days.
- 50% off airline tickets (up to AED 2,000) once a year.
- 3rd night free at any hotel worldwide (unlimited).
- Free Home check-in (4 per year).
- Redeem Citi Miles for flights with any airline, class or destination.
- Transfer miles to 11 partner airlines/hotels, including Turkish, Qatar & British Airways.
AED 1,000 Joining bonus Statement Credit
Annual fee AED 3,000 |
Minimum Monthly Income AED 36,750 |
CITI PRESTIGE
- AED 500 cashback subject to min spend criteria of AED 15,000 in 60 days.
- Redeem points for cash rebates, travel related spend or points transfer to 11 partner airlines/hotels.
- 4th night free at any hotel locally for staycations, or anywhere worldwide.
- Unlimited complimentary golf.
- Buy 1 – get 1 free movie tickets & Valet Parking each month.
- Access to 1,200 lounges worldwide (+guest) with MasterCard Travel Pass app.
AED 500 Joining bonus Statement Credit
| Annual fee AED 1,500 |
Minimum Monthly Income AED 30,000 |
Rewards & Lifestyle Cards
CITI PREMIER
- Redeem points for cash rebates, travel related spend or points transfer to 11 partner airlines/hotels.
- Complimentary golf.
- Access to 1,200 lounges worldwide (+guest) with MasterCard Travel Pass app.
- Flat 30% off movie tickets at VOX Cinemas every month.
AED 250 Joining bonus Statement Credit
| Annual fee AED 750 |
Minimum Monthly Income AED 15,000 |
CITI REWARDS
- Redeem points for cash rebates or travel related spend.
- Access to 1,200 lounges worldwide with MasterCard Travel Pass app.
- No Annual Fee (Spend based)*
- Flat 30% off movie tickets at VOX Cinemas every month.
No Annual Fee (Spend based)*
| Annual fee AED 300* |
Minimum Monthly Income AED 8,000 |
Quick Cash
CITI READY CREDIT
- Instant cash access at a special rate starting from 15%* per annum in your bank account anywhere within UAE.
- No Annual Fee, annual fee is waived indefinitely (normally AED 300)**
- Get a higher credit limit, up to 6X of your monthly income or up to AED 175,000, whichever is lower.
- Repay as per the monthly repayment schedule or repay all at once without any early loan settlement fee.
*Ready Credit 1st loan must be booked within 1 month of card approval in order to qualify for 15% annual rate for the duration of the loan term. Minimum tenor of 1st loan is 24 months and maximum is 48 months.
| Annual fee AED 300** |
Minimum Monthly Income AED 8,000 |
Basic Card
CITI SIMPLICITY
- No late fee, cash advance fee or over limit fee - Ever
- Enjoy access to select airport lounges across the Middle East
| Annual fee AED 0 |
Minimum Monthly Income AED 5,000 |
20% instant discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use promo code “MASTERCARD” at checkout.
Learn more.
Enjoy 4 complimentary airport rides p.a. (up to AED 84 each) on Mastercard World Elite using code “MAUAE6” and 1 ride p.a. (up to AED 84 each) on Mastercard World using code “MAUAE2” on the Careem app.
Learn more.
Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.
Key Conditions
Talabat, Careem & Airport Lounge offers are provided by Mastercard. Citibank is not liable for any loss or inconvenience incurred by the cardholder due to operational / fulfilment issues or otherwise by 3rd parties.
5% Value Added Tax (VAT) applicable over and above the annual fee.
*Ready Credit 1st loan must be booked within 1 month of card approval in order to qualify for 15% annual rate for the duration of the loan term. Minimum tenor of 1st loan is 24 months and maximum is 48 months.
*No annual fee in year 1. From year 2 onwards annual fee is waived unless a minimum annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies (applicable for Citi Cash Back and Citi Rewards Credit Card).
*AED 1,000 statement credit for Citi Ultima, AED 500 for Citi Prestige and AED 250 for Citi Premier Credit Cards, will be given after payment of full Annual Membership Fee.
**AMF is waived indefinitely for year 1 onwards without conditions. Citibank reserves the right to start charging the AMF (AED 300) from year 3 with advance notice.
Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.
Click here to view fees and charges.
Click here for Welcome Offer Terms and Conditions.
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Citibank.ae provides information about, and access to accounts and financial services provided by Citibank N.A. – UAE branch in the United Arab Emirates. It does not, and should not be construed as, an offer, invitation or solicitation of services outside of the United Arab Emirates. This website is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this website are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation.
Citibank is service mark of Citigroup Inc. or Citibank N.A., used and registered throughout the world.
Citibank N.A. UAE is registered with Central Bank of UAE under license numbers 202563 for Al Wasl Branch Dubai, 531989 for Mall of the Emirates Branch Dubai, and CN-1002019 for Abu Dhabi Branch. Tel: 04 311 4000.
Citibank N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) Financial Consulting, Introduction and Promotion under license number 20200000097 B) Trading Broker in International Markets under license number 20200000198 C) Portfolios Management under license number 20200000240 D) Custody under license number 602003.
Copyright © 2026 Citigroup Inc.