COMPARE CREDIT CARDS

Compare Credit Cards in UAE
Card Comparator Card Comparator Card Comparator

Click on the card for
a detailed description.

Use the arrow keys to explore all our cards.

ELIGIBILITY

Monthly salary required AED

  • 30,000
  • 15,000
  • 8,000
  • 36,750
  • 18,000
  • 12,000
  • 8,000
  • 5,000

REWARDS

Earn on international spend

  • 3 Citi ThankYou Points for every USD spent in foreign currency
  • 2 Citi ThankYou Points for every USD spent in foreign currency
  • 1.5 Citi ThankYou Points for every USD spent in foreign currency
  • 1.5 Skywards Miles for every USD spent in foreign currency
  • 1.25 Skywards Miles for every USD spent in foreign currency
  • 1 Skywards Mile for every USD spent in foreign currency
  • 3% Cashback
  • -

Earn on Grocery Spend

  •  
  •  
  •  
  •  
  •  
  •  
  • 2% Cashback
  •  

Earn on local spend

  • 2 Citi ThankYou Points for every USD spent in local currency
  • 1.5 Citi ThankYou Points for every USD spent in local currency
  • 1 Citi ThankYou Points for every USD spent in local currency
  • 1 Skywards Mile for every USD spent in local currency (AED)
  • 1 Skywards Mile for every USD spent in local currency (AED)
  • 0.75 Skywards Miles for every USD spent in local currency (AED)
  • 1% Cashback
  • -

No caps on earning2

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • tick
  • -

No points expiry

  • tick
  • tick
  • tick
  • cross
    (Skywards/Emirates T&C apply)
  • cross
    (Skywards/Emirates T&C apply)
  • cross
    (Skywards/Emirates T&C apply)
  • N/A
  • -

Promotional miles

  • tick
  • tick
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Anniversary bonus miles

  • 10000
  • cross
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Special earn rate online

  • cross
  • cross
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Transfer miles to many airline partners

  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross
  • cross

Transfer miles to hotel partners

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross

Shopping vouchers

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross

Travel Portal

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross

Merchandize

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross
  • cross

Rewards can be redeemed for

  • Transfer your points to airline partners to get reward flights and flight upgrades with Etihad Airways, Qatar Airways, Singapore Airlines, British Airways to name a few. Also with IHG and Club Carlson you can get reward hotel stay
  • Transfer your points to airline partners to get reward flights and flight upgrades with Etihad Airways, Qatar Airways, Singapore Airlines, British Airways to name a few. Also with IHG and Club Carlson you can get reward hotel stay
  • Redeem ThankYou points for a diverse collection of vouchers, including Carrefour, Sharaf DG, Joyalukkas, Ikea and various malls across UAE
  • Flight upgrades and reward tickets on Emirates Airlines or for merchandise at The Emirates High Street
  • Flight upgrades and reward tickets on Emirates Airlines or for merchandise at The Emirates High Street
  • Flight upgrades and reward tickets on Emirates Airlines or for merchandise at The Emirates High Street
  • Cashback Reward
  • -

What your rewards get you

  • -
  • -
  • 4,000 Citi ThankYou points equals AED 100 voucher
  • Use Skywards Miles for travel and shopping rewards on emirates.com
  • Use Skywards Miles for travel and shopping rewards on emirates.com
  • Use Skywards Miles for travel and shopping rewards on emirates.com
  • Cashback directly debitted to your account
  • -

BENEFITS

Metal Card

  • cross
  • cross
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Unlimited supplementary cards without charge

  • tick
  • tick
  • tick
  • tick
    One-time fee of AED 1,000/card for metal supplementary
  • tick
  • tick
  • tick
  • tick

Contactless transactions

  • tick
  • tick
  • tick
  • cross
  • tick
  • tick
  • tick
  • tick

Unlimited access to 1000+ lounges for

  •  
  •  
  •  
  •  
  •  
  •  
  •  
  •  

Primary

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross

Supplementary

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross

Guest

  • tick
  • tick
  • cross
  • tick
  • tick
  • cross
  • cross
  • cross

Complimentary golf

  • tick
  • tick
  • cross
  • tick
  • tick
  • cross
  • cross
  • cross

Complimentary Travel Accident Insurance

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross

Marhaba Meet and Greet Service

  • tick
  • tick
  • cross
  • tick
  • tick
  • tick
  • cross
  • cross

Buy 1 get 1 free dining & entertainment offers

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Gourmet Pleasures - Citi's dining program

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Buy 1 get 1 free movie tickets

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross
  • cross

Citi World Privileges

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Concierge Service

  • tick
  • tick
  • cross
  • tick
  • tick
  • cross
  • cross
  • cross

Complimentary 4th night hotel stay

  • tick
  • cross
  • cross
  • cross
  • cross
  • cross
  • cross
  • cross

SERVICES

Transaction alerts

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Fraud early warning

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Installment loans

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

PRICING

Annual membership fee AED*

  • 1,500
  • 750
  • 300
  • 3000
  • 800
  • 400
  • Fee Free1
  • 0

Interest rate

  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.50%

Late payment fee AED

  • 230
  • 230
  • 230
  • 230
  • 230
  • 230
  • 230
  • 0

Over limit fee AED

  • 249
  • 249
  • 249
  • 249
  • 249
  • 249
  • 249
  • 0

Use rewards for annual fee reversal

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • -

Choose the card that reflects your lifestyle

ELIGIBILITY

Monthly salary required AED

  • 30,000
  • 15,000
  • 8,000
  • 36,750
  • 18,000
  • 12,000
  • 8,000
  • 5,000

REWARDS

Earn on international spend

  • 3 Citi ThankYou Points for every USD spent in foreign currency
  • 2 Citi ThankYou Points for every USD spent in foreign currency
  • 1.5 Citi ThankYou Points for every USD spent in foreign currency
  • 1.5 Skywards Miles for every USD spent in foreign currency
  • 1.25 Skywards Miles for every USD spent in foreign currency
  • 1 Skywards Mile for every USD spent in foreign currency
  • 3% Cashback
  • -

Earn on Grocery Spend

  •  
  •  
  •  
  • 50%
  • 50%
  • 50%
  • 2% Cashback
  •  

Earn on local spend

  • 2 Citi ThankYou Points for every USD spent in local currency
  • 1.5 Citi ThankYou Points for every USD spent in local currency
  • 1 Citi ThankYou Points for every USD spent in local currency
  • 1 Skywards Mile for every USD spent in local currency (AED)
  • 1 Skywards Mile for every USD spent in local currency (AED)
  • 0.75 Skywards Miles for every USD spent in local currency (AED)
  • 1% Cashback
  • -

No caps on earning2

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • tick
  • -

No points expiry

  • tick
  • tick
  • tick
  • cross
    (Skywards/Emirates T&C apply)
  • cross
    (Skywards/Emirates T&C apply)
  • cross
  • N/A
  • -

Promotional miles

  • tick
  • tick
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Anniversary bonus miles

  • 10000
  • tick
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Special earn rate online

  • cross
  • cross
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Transfer miles to many airline partners

  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross
  • cross

Transfer miles to hotel partners

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross

Shopping vouchers

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross

Travel Portal

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • cross

Merchandize

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross
  • cross

Rewards can be redeemed for

  • Transfer your points to airline partners to get reward flights and flight upgrades with Etihad Airways, Qatar Airways, Singapore Airlines, British Airways to name a few. Also with IHG and Club Carlson you can get reward hotel stay
  • Transfer your points to airline partners to get reward flights and flight upgrades with Etihad Airways, Qatar Airways, Singapore Airlines, British Airways to name a few. Also with IHG and Club Carlson you can get reward hotel stay
  • Redeem ThankYou points for a diverse collection of vouchers, including Carrefour, Sharaf DG, Joyalukkas, Ikea and various malls across UAE
  • Flight upgrades and reward tickets on Emirates Airlines or for merchandise at The Emirates High Street
  • Flight upgrades and reward tickets on Emirates Airlines or for merchandise at The Emirates High Street
  • Flight upgrades and reward tickets on Emirates Airlines or for merchandise at The Emirates High Street
  • Cashback Reward
  • -

What your rewards get you

  • -
  • -
  • 4,000 Citi ThankYou points equals AED 100 voucher
  • Use Skywards Miles for travel and shopping rewards on emirates.com
  • Use Skywards Miles for travel and shopping rewards on emirates.com
  • Use Skywards Miles for travel and shopping rewards on emirates.com
  • Cashback directly debitted to your account
  • -

BENEFITS

Metal Card

  • cross
  • cross
  • cross
  • tick
  • cross
  • cross
  • cross
  • cross

Unlimited supplementary cards without charge

  • tick
  • tick
  • tick
  • tick
    One-time fee of AED 1,000/card for metal supplementary
  • tick
  • tick
  • tick
  • tick

Contactless transactions

  • tick
  • tick
  • tick
  • cross
  • tick
  • tick
  • tick
  • tick

Unlimited access to 1000+ lounges for

  •  
  •  
  •  
  •  
  •  
  •  
  •  
  •  

Primary

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross

Supplementary

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross

Guest

  • tick
  • tick
  • cross
  • tick
  • tick
  • cross
  • cross
  • cross

Complimentary golf

  • tick
  • tick
  • cross
  • tick
  • tick
  • cross
  • cross
  • cross

Complimentary Travel Accident Insurance

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross

Marhaba Meet and Greet Service

  • tick
  • tick
  • cross
  • tick
  • tick
  • tick
  • cross
  • cross

Buy 1 get 1 free dining & entertainment offers

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Gourmet Pleasures - Citi's dining program

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Buy 1 get 1 free movie tickets

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • cross
  • cross

Citi World Privileges

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Concierge Service

  • tick
  • tick
  • cross
  • tick
  • tick
  • cross
  • cross
  • cross

Complimentary 4th night hotel stay

  • tick
  • cross
  • cross
  • cross
  • cross
  • cross
  • cross

SERVICES

Transaction alerts

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Fraud early warning

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

Installment loans

  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick
  • tick

PRICING

Annual membership fee AED*

  • 1,500
  • 750
  • 300
  • 3000
  • 800
  • 400
  • Fee Free1
  • 0

Interest rate

  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.25%
  • 3.50%

Late payment fee AED

  • 230
  • 230
  • 230
  • 230
  • 230
  • 230
  • 230
  • 0

Over limit fee AED

  • 249
  • 249
  • 249
  • 249
  • 249
  • 249
  • 249
  • 0

Use rewards for annual fee reversal

  • tick
  • tick
  • tick
  • cross
  • cross
  • cross
  • cross
  • -

Disclaimer:
Welcome offer terms and conditions apply. Click here to know more.
1) No annual fee in year . From year 2 the card is free unless a minimum annual spend of AED 9,000 is not met, in which case an annual fee of AED 300* applies
* 5% VAT applicable over and above the annual fee. All other fees are applicable as per the SOC

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. The applicant agrees to be bound by Citibank's General Terms and Conditions available on the website www.citibank.ae.

2ThankYou® Points are not capped on reward earning for retail transactions.