Why wait for the things you want? Take advantage of excess cash in your bank account over and above your credit card limit.

Take advantage of additional cash in your bank account above your credit card limit.
This loan amount will be deposited into your Citibank Current or Checking Account. You can choose to deposit the loan amount in your non-Citibank account in the U.A.E.
Loan amounts from AED 2,000 up to AED 36,500.
Choose from tenors of your choice ranging from 6 to 48 months.
No application form.
  • The loan installment amount will appear in your monthly statement and be added to your minimum amount due for payment.
  • Monthly installments shall be due for payment & will appear in your next card statement after availing of the loan amount. 
  • Your available credit card limit will reduce by the corresponding installment amount on each statement billed and will be available for use again as you pay the installment amount.
  • This loan is subject to credit approval.

SMS 'INSTA' to 2484 (CITI).

You may be required to submit the following documents:

  • Up-to-date proof of income.
  • Up-to-date proof of identity.


Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please click here. Loan amount is subject to approval and may vary depending upon eligibility criteria. Income documents required in case of change in income or employment. Processing time may increase due to delay in document providing or verification.