Card Services
BALANCE TRANSFER ON CARD
Balance Transfer on card
Balance Transfers on Card allow you to move an unpaid balance from your other credit card to Citi Credit Card , potentially saving money on interest.
This can help you pay down your debt without accruing as much interest, at least during the promotional period – but you may also pay a fee for making the initial transfer.
- Benefits
- How it works
- No fixed instalments, repay comfortably as a part of your card’s minimum due balance each month.
- Enjoy repayment at a low rate during the selected campaign period.
- Repay full statement amount whenever you like without any early settlement fee.
- Balance transfer amount will be transferred directly to your beneficiary credit card account.
- The balance transfer amount that you choose will be blocked from your existing Citi Credit Card limit and will release with each payment you make.
- Minimum due for Balance Transfer on Card will be added to the total card minimum due amount and shall be due for payment. It will appear in your next card statement after availing of the balance transfer on card offer.
- The Minimum due of the outstanding Balance transfer on card amount along with applicable interest rate, will be billed to the Citibank credit card account monthly similar to a normal retail purchase and are subject to the applicable Finance charges (fees or interest rate) if you pay/ had paid less than the minimum amount due indicated on your current or previous monthly statements of account on or before the payment due date.
- Interest will start accruing from the day Balance Transfer on card is booked unlike other credit card spends.
- After the end of campaign period, remaining/outstanding Balance Transfer on card amount will become subject to retail interest rate of your credit card as per the SOCs.
Disclaimer
Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please click here and refer to Section D (2)(d). The offer is available on a best effort basis and at the sole discretion of Citibank, N. A. -UAE Branch, Citibank N.A. -UAE Branch makes no warranties and assumes no responsibility in respect to the products and services provided by partners. Citibank, N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
Warning: Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit
Warning: You may have to pay penalties if you pay off a loan/financing early. Should you choose to do early-settlement or cancel your installment plan before the chosen tenor, please call Citiphone on 04-3114000 to place the request. Please note that upon early settlement, a 1% early settlement fee exclusive of VAT will be charged on the principal outstanding amount, and due interest will be charged till the date the loan is active.
Warning: If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future. Installment amount will form a part of your monthly statement and will be added to your minimum amount due. In case you pay less the minimum due the installment amount will be subject to finance charges. If you miss payment for over 60 consecutive days from the last payment made, the entire outstanding amount of loan will become part of entire card outstanding and standard interest rate as mentioned in the Schedule of Charges shall be applicable.
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Terms & Conditions:
I agree to the Terms and Conditions listed below. 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 for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank N.A. from and against any losses, claims and/or liabilities incurred by Citibank N.A. as a result of having relied on such information. Citibank N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Data Privacy (GDPR, LGPD & NZPA)*. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Citibank.ae provides information about, and access to accounts and financial services provided by Citibank N.A. – UAE branch in the United Arab Emirates. It does not, and should not be construed as, an offer, invitation or solicitation of services outside of the United Arab Emirates. This website is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this website are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation.
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Citibank N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) promotion under license number 20200000097 B) Trading broker in international markets under license number 20200000198 C) portfolios management license number 20200000240.
Copyright © 2025 Citigroup Inc.