• Debit Cards: You can use and spend your own funds that you have deposited in your bank account
• Credit Cards: You can spend up to a certain limit by borrowing from the credit amount allocated to your card by the issuing bank.
• Debit Cards: They do not offer rewards points
• Credit Cards: Users get access to a wide range of privileges and benefits such as travel discounts, cash backs, cash rebates, discounts on bills, etc.
• Debit Cards: They come with an overdraft line of credit associated with the consumer’s bank account.
• Credit Cards: They come with a specified credit amount. If the consumer wants to spend beyond it, the card will decline the transaction.

There are several benefits of using Credit Cards. They are as follows:

• Credit Cards help you build good credit score
• They offer fraud protection and ensure secure transactions
• They also provide warranty and purchase protection
• Credit Cards offer several benefits and privileges
• They ensure easy and convenient on-the-go transactions

Step 1. Open your Citi Mobile app
Step 2. Click on "Activate card"
Step 3. Enter your Card No.(16 digits on your card), Expiry Date(mm/yy) and Date of Birth (dd/mm/yyyy)
Step 4. Enter the OTP sent to your registered mobile number
Step 5. Create and confirm an ATM Password code

There are four ways via which you can pay your Credit Card bill. Check them below:

• Pay via online transfer from your Citi account
• Pay via online transfer from other UAE bank account
• Set up a Direct Debit payment from your Citi bank or non-Citibank account
• Pay at an exchange house through the UAE Funds Transfer System (UAEFTS)

Minimum Payment Due is calculated as 2.74% of the current balance on Statement of Account, plus, if applicable

• Current billed Late Payment Fee
• Current billed finance charges
• Monthly amount(s) of installment(s) subscribed under EIP's/ Balance Transfer/ Loan on Phone(s)/ InstaLoan(s) etc
• Over Limit amount
• Past due amount
• InstaLoan processing fee or AED 100, whichever is higher.

If your Current Balance is less than AED 100, then your Minimum Payment Due will be equal to your Current Balance

You will be charged a late fee when the Minimum Payment Due is not received by the Payment Due Date. It is levied in addition to the interest on the outstanding amount at Citibank's Credit Card interest rate.

Follow the steps below to register for SMS and EMAIL Alerts:

• Sign on to Citibank Online and navigate to the My Profile menu.
• Choose Citibank Alerting service from the available options
• Select Edit Alert Profile
• Choose your SMS and Email Alerts
• Click Confirm to activate your alerts

Follow the steps below to register for Push Notifications:

• Sign on to the Citi Mobile App
• Select Push Notifications from the Settings menu
• Click Set up New Notification and choose your alerts
• Select Continue to confirm your choice
• Ensure your device settings allow notification to be displayed