Minimum Salary
0,00 د.إ
Citi UAE credit cards carry a fixed monthly interest rate of 3.50% (42.00% APR) except the Ready Credit at 3.25% (39.00% APR) on purchases and cash advances, with up to 52 days’ interest-free on purchases when the full statement balance is paid by the due date. Annual fees, salary requirements, rewards structures, and minimum spends vary significantly across card tiers.
Fees & Charges Schedule
| Fee Type | Ultima | Prestige | Premier | Rewards | Cash Back | Simplicity | Ready Credit |
| Monthly Retail Rate | 3.50% (42.00%) | 3.50% (42.00%) | 3.50% (42.00%) | 3.50% (42.00%) | 3.50% (42.00%) | 3.50% (42.00%) | 3.25% (39.00%) |
| Annual Fee | AED 3,000 | AED 1,500 | AED 750 | AED 300 | AED 300 | AED 0 | AED 300 |
| Cash Advance Fee | 3% (max AED 250) or AED 99 | Same | Same | Same | Same | None | Same |
| Balance Transfer Fee | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 0% for 6 months | 3.50% |
| Late Payment Fee | AED 230 | AED 230 | AED 230 | AED 230 | AED 230 | None | AED 230 |
| Over-limit Fee | AED 249 | AED 249 | AED 249 | AED 249 | AED 249 | N/A | AED 249 |
| Foreign Currency Fee | 2.99% | 2.99% | 2.99% | 2.99% | 2.99% | 2.99% | 2.99% |
Interest is calculated daily; no grace period on cash advances or instalments.
Eligibility Criteria
Applicants must be UAE nationals or residents, aged 21–64 years, with a satisfactory credit record. Minimum monthly income requirements:
Salaried individuals:
Self-employed individuals:
Address proof (≤2 months old):
Utility bill or tenancy contract
Citi Ultima
Earn 5 Citi Miles/USD on non-AED and 2.5 miles/USD on AED spend. Complimentary global airport lounge access, premium travel insurance up to USD 2 million, golf privileges, and concierge services. No minimum spend.
Citi Prestige
Earn 3 ThankYou® Points/USD on all spend; 4th-night-free hotel benefit, airport lounge access, fast-track security, travel insurance, and baggage delay cover. No minimum spend.
Citi Premier
Earn 10 ThankYou® Points/AED 1 on utilities, education, insurance, transit; 1 point/AED 1 on other spend. Includes extended warranty, purchase protection, and lifestyle offers. No minimum spend.
Citi Rewards
Earn 5 Points/USD on dining, groceries, cinema; 1 point/USD on other spend. Monthly buy-one-get-one cinema tickets, dining and entertainment deals. No minimum spend.
Citi Cash Back
Get 3% cashback on non-AED, 2% on groceries, 1% on all other. First-year fee waived; thereafter waived upon AED 9,000 annual spend. No minimum spend for cashback; unlimited cashback credited monthly.
Citi Simplicity
No annual fee, late or cash-advance fees, or over-limit fees. 0% balance transfer for 6 months, instalment conversion on purchases. No minimum spend.
Citi Ready Credit
Revolving credit line up to 100% of limit; special loan rate from 15% p.a. for first booking, no early repayment fee, tenures up to 48 months. No minimum spend.
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