Lifestyle Protect is an optional credit insurance program designed to provide you with the peace of mind that comes with knowing that even in unfortunate circumstances, your cover will allow you to take care of your Citibank Credit Card dues and also ensure some of your personal expenses are taken care of.

This insurance is brought to you by MetLife and offers the following benefits.


In the unfortunate event of Death or Critical Illness:

  • Coverage of the full Outstanding Balance
  • Payment of three times the average Outstanding Balance for the last three months to you or your legal heirs

In the unfortunate event of Involuntary Loss of Employment:

  • Coverage of 10% of the Outstanding Balance on your credit card up to 6 months of proven unemployment
  • Payment of 5% of the Outstanding Balance directly to you up to 6 months of proven unemployment
  • Lump sum benefit paid to you and Bank to cover your Outstanding Balance in the 7th month of proven unemployment
  • Monthly premium of 0.79%* of the total Outstanding Balance on your credit card
  • Available to all Citibank Credit Card Customers between the age of 21 and 64
  • The insurance coverage is not available for self-employed customers
  • Combined benefit in case of Death and Critical Illness shall not exceed AED 500,000
  • Combined benefit in case of Involuntary Loss of Employment shall not exceed AED 35,000 for monthly payment and AED 210,000 for lump sum payment

*Inclusive of VAT collected on behalf of the Insurer on the non-life component of the premium

The Card member or his/her beneficiary should call Citibank (+971 4 311 4000) or visit our Branch to report the claim. You can as well report the claim by printing attached form and submitting it together with requested documents to Citibank Collection Department. Please remember that you have 60 days to report the claim and all requested documents are essential for its validation by MetLife.