The Difference Between Debit Cards and Credit Cards Explained

Debit Cards: You can use and spend the 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.

Get up to AED 1250* Welcome Offer Cashback with a new Citi Credit Card!

(Exclusive online offer)

T&C’s Apply.

*Welcome Offer Cashback is provided only to new Citi Credit Card customers who apply/submit a lead directly via the Citi website. Talabat & Careem instant discounts are subject to T&Cs

Credit Cards

Unlock a world of exciting benefits with Citi Credit Cards.

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 2 rides p.a. (up to AED 44 each) on Mastercard World using code “MAUAE2” on the Careem app. Learn more.

Travel Cards
Rewards & Lifestyle Cards
Cash Back Credit Card
Quick Cash
Basic Credit Card

Citi Ultima

(World Elite)

AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 90 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, including Etihad, Turkish, Qatar & British Airways
6 airport transfers per year via Careem app
Global airport lounge – up to 14 visits per year.

AED 1,250 Joining bonus statement credit

Annual membership fee:

3,000

Monthly salary required:

36,750

Apply now

Learn more

Citi Prestige

(World Elite)

AED 750 cashback subject to minimum spend criteria of AED 20,000 in 90 days.
Transfer points to 11 partner airlines including Etihad, Qatar and Turkish airlines or redeem points for cash rebate.
4^th night free at any hotel locally for staycations, or anywhere worldwide.
Unlimited complimentary golf at some of the finest courses in the UAE.
Enjoy 2 complimentary Valet Parking visits every month across the UAE.

AED 750 Joining bonus statement credit

Annual membership fee:

AED 1,500

Monthly salary required:

AED 30,000

Apply now

Learn more

Citi Premier

(World Elite)

AED 500 cashback subject to minimum spend criteria of AED 15,000 in 90 days.
Transfer points to 11 partner airlines including Etihad, Qatar and Turkish airlines or redeem points for cash rebate.
Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
Flat 30% off 4 movie tickets at VOX Cinemas every month.
Complimentary golf once a month at some of the finest courses in the UAE.

AED 500 Joining bonus statement credit

Annual membership fee:

AED 750

Monthly salary required:

AED 15,000

Apply now

Learn more

Citi Rewards

(World)

AED 150 cashback subject to minimum spend criteria of AED 7,500 in 90 days.
No annual fee in yr. 1. From yr. 2. onwards the card is free unless a min. annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.
Redeem points for cash rebate or travel related spend.
Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
Flat 30% off 2 movie tickets at VOX Cinemas every month.

AED 150 Joining bonus statement credit

Annual membership fee:

AED 300*

Monthly salary required:

AED 8,000

Apply now

Learn more

Citi Cash Back

(World)

AED 150 Joining bonus statement credit upon meeting minimum spend criteria of AED 7,500 in 90 days.
Automatic cashback with

3% on non-AED

2% on grocery

1% on all other spend
Access to over 1,100 airport lounges with the MasterCard Travel Pass app.
No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit).

AED 150 Joining bonus statement credit

Annual membership fee:

AED 300*

Monthly salary required:

AED 8,000

Apply now

Learn more

Citi Ready Credit

(Titanium)

Instant cash access at a special rate starting from 15%^** per annum in your bank account anywhere within UAE
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.
No annual fee in year 1. From year 2 onwards the card is free unless a min annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.
Talabat: 20% discount (up to AED 14) once a month.

Instant cash access up to 100% of credit limit

Annual membership fee:

AED 300*

Monthly salary required:

AED 8,000

Apply now

Learn more

Citi Simplicity®

(Platinum)

No Annual membership fee.
No late fee, cash advance fee or over limit fee - ever.
0% interest on balance transfers for 6 months.

No annual fee - ever

Annual membership fee:

AED 0

Monthly salary required:

AED 5,000

Apply now

Learn more

Find the Credit Card that best meets your needs

Compare Cards

Experience More: Discover Benefits of Citi Credit Cards

A citibank customer talking to his son about Citibank offers

Credit Card offers

A citibank customer exploring all the ways to pay her credit card bill

How to pay

Rewards and redemption

A citibank customer explaining to his daughter about finance

Life and Money

What is Citi PayAll and Why Should I Use It?

Paying your expenses with a Credit Card is a smart way to spend money as it’s the best way to earn reward points, air miles, cashback and other perks. With Citi PayAll– a first-of-its-kind payment solution in the UAE – Credit Cardholders can turn their big payments into rewards that they can maximize over time.

Frequently Asked Questions

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.

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

Click here for Welcome Offer Terms and Conditions

The welcome offer is applicable only to new Citi Credit Card customers who apply/submit a lead directly through Citi website. Applicants reaching Citi website through a web search advert or any third party link do not qualify.

Joining bonus Statement Credit will be credited within 45 days of meeting the minimum spend requirements below:

Product	Joining Bonus Statement Credit	Min spend to be achieved in 90 days
Citi Ultima	AED 1,250	AED 25,000
Citi Prestige	AED 750	AED 20,000
Citi Premier	AED 500	AED 15,000
Citi Cash Back	AED 150	AED 7,500
Citi Rewards	AED 150	AED 7,500

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 3^rd parties.

Click here to view Talabat offer T&C’s.

Click here to view Careem offer T&C’s.

5% Value Added Tax (VAT) applicable over and above the annual fee

*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, Citi Rewards and Citi Ready Credit Cards)

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.