The Citi Ready Credit Card offers instant cash access, a high credit limit of up to 6X monthly income, flexible repayment options, and competitive interest rates. It allows easy transfers to any UAE bank account and enables debt consolidation with lower interest rates.
“Get travel and lifestyle offerings under the skywards miles program
Get unlimited access to over 650 premium airport lounges and concierge services
Get 2 complimentary rounds of golf a month at 5 locations around the UAE
Airport transfers up to 2 drops per calendar year in the UAE
Get up to 4 complimentary valet parking services
Get exclusive offers on Emirates Airlines
Get health club privileges at Lifeline Health Club Abu Dhabi
Dining discounts of up to 30% at over 2000 restaurants across the UAE under the Emirates NBD Bon Appetit program
Get 3% discount on air tickets and up to 7% discount on holiday packages through the Emirates NBD Travel Desk
Free multi trip travel insurance
Free purchase protection and extended warranty
Up to 50% discount on shopping and lifestyle
Get automatic Salik top-up”
Features
Free for the 1st year and from 2nd year onwards the annual fee of AED 300 will be waived if the minimum spend of AED 9,000 is met.
Instant Cash loans can be availed using the card at a special rate starting from 15% per year.
Get instant cash advance upon credit limit approval, directly transferred to any personal bank account in the UAE—no need to wait for a physical card.
Higher credit limit of up to 6X the cardholder’s monthly income or AED 175,000, whichever is lower.
Customers can repay the availed loan amount every month as scheduled or in full at any time without an early settlement fee.
Mastercard Titanium Privileges offer discounts and deals at top brands and outlets across the Middle East and Africa.
Complimentary access to 10+ airport lounges in Middle East and Africa.
Additional Benefits
Instant Cash loans can be availed up to 100% of credit limit on the card. Repay in monthly installments or in full at any time with no extra charges.
Customers can transfer their loan amount to a non-Citibank local currency account in the UAE by setting it up as a payee under Payments and Transfers. The amount will be credited by the next working day.
The requested loan amount is blocked from the existing credit card limit, and each installment payment releases the corresponding blocked amount.
Fees & Charges
Supplementary Annual Fee: Not Applicable
Late Payment Fee: AED 230
Over limit Fee: Not Applicable
Cash Advance Fee: 3% of cash advance amount or AED 99 whichever is higher
Addition Information
Cash loans at special rates are applicable only to Citibank new customers. The special price of 15% per annum applies only to the 1st loan availed within one month of card approval.
Loans on the card can be booked through Citibank Online. The loan amount will get deposited instantly into the Citibank Current or Checking Account.
Instalments from the loans are billed monthly to the Citibank Credit Card like a retail purchase and may incur finance charges if the minimum due amount is not paid on time.
The applicants should be 21 years of age and have a minimum income of AED 8,000.
Required documents to apply for the card include valid Emirates ID, Passport and valid UAE Visa copy.
