Reward features
- “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.