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How to Apply for a Citi Credit Card

Domestic and international movement are returning to pre-lockdown levels; no doubt, most people are eager to be out in the sun and enjoy the season. Expectedly, travel, shopping and even day-to-day expenses are also on the rise. A good way to make the most of your spending is by utilizing a credit card that comes with great benefits. Enter: Citi Credit Cards. With comparative interest rates and loads of attached perks, they are the perfect companion to maximize your benefits while you spend. What’s more, they come in a variety of options to suit different lifestyles and spending habits.

Types of Citi Credit Cards

Generally speaking, Citi cards can be grouped into four categories based on their features: Emirates-Citibank Credit Cards, Rewards Credit Cards, Cashback Credit Card, and Basic Credit Card. As the name implies, Emirates-Citibank credit cards are for the savvy travellers looking for the best of the best in travel rewards. Rewards credit cards are geared towards people who like to accumulate points in order to take advantage of numerous available perks including shopping discounts and some travel rewards. Cashback credit cards are for users who love to earn cash for every spend and Basic credit cards are designed for clients looking for a simple credit card option with zero fees. You can click here to go through and compare the detailed features and benefits of each of Citi’s credit cards to find the option(s) best suited to your lifestyle.

Another feature on the Citi credit cards is purchase financing. Where it’s considered a loan that enables you to buy the things you love and pay in installments. This product in this category is called:

Citi Paylite, also known as an Easy Installment Plan. With this option, you simply convert credit card retail transitions of AED 100 and above into convenient installments for up to 48 months through Citibank Online. It is easy, with no documentation or application forms required and you even earn reward points on installment payments! Click here to book instantly.

What are the steps to apply for a Citi Credit Card?

Getting a Citi Credit Card is easy and convenient as it can be done online from the comfort of your home or office. Aside from convenience, there are dedicated offers attached to online applications, so you have even more reason to do so. The process is as simple as filling out the application form, uploading required documents and hitting submit! Speaking of documentation, note that you will need a valid Emirates ID, Passport and/or valid UAE visa copy. You will also need your salary account IBAN number so make sure to have that handy.

One important thing to be aware of is that when you inquire/apply for any credit product (credit cards inclusive) by submitting your Emirates ID and/ or passport, the financial institution will need to pull your credit report from the credit bureau. This is often referred to as a "hard inquiry" and it has an impact on your credit score, regardless of whether the application gets approved or rejected.


Citi Credit Cards are a great financial tool to manage your expenses. Apart from ease of making payments and the attached rewards, credit cards are also a great way of building credit history and improving your credit score. So take advantage of the many options and advantages offered by Citi Credit Cards and get yourself one that matches your needs and lifestyle today.


  • 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.
  • Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website 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.
  • Citibank, N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
  • Click here to view fees and charges

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Dania Nwizu is a creative entrepreneur based in Lagos, Nigeria. She spends most of her time writing, telling food stories and walking on water.

This article is intended to provide general information about finance and investments and does not replace or should be taken as professional financial advice. The content reflects the view of the author of the article and does not necessarily reflect the views of Citi or its employees, and we do not guarantee the accuracy or completeness of the information presented in the article except information on Citibank N.A. – UAE products referenced herein.
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Citibank Terms and Conditions Apply. To view the latest terms and conditions, visit

The views expressed here are those of the authors and do not necessarily represent or reflect the views of Citibank UAE. The information in this website does not constitute investment advice or an offer to invest or to provide management services and is subject to amendment without notice.

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