Complete the application and receive an amazon voucher for AED 100
| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Citi Ready Credit Card
|
Minimum Salary: AED 8,000 | Salary Transfer: No | Islamic Finance: No | Cashback: Yes | Annual Fee: AED 315 | Rate: 3.69% |
Main Features:
- Immediate access to cash deposited directly into any personal bank account within the UAE upon approval - no need to wait for physical card delivery.
- Access higher credit limits up to 6 times your monthly income or up to AED 175,000 (whichever is lower).
- Promotional interest rate starting from 15% per annum on the 1st loan booked within 1 month of card approval (for new Citi customers).
- Option to repay via fixed monthly installment plans or settle the full outstanding amount at any time without early settlement fees.
- Seamlessly request new loans, manage limits, and make repayments via the Citi Mobile® App.
Key Benefits:
- Sign up once and borrow multiple loans within your approved credit limit with a single click - no need to re-apply for future loans.
- Access up to 100% of your total credit limit as an instant cash advance or structured loan.
- Consolidate external higher-interest debt onto a single card line at structured interest rates.
More Product Benefits:
- Exclusive lifestyle discounts and retail offers across hundreds of dining and shopping outlets in the Middle East & Africa.
- Access to over 1,300 airport lounges worldwide via the Mastercard Travel Pass app if any pre-registered flight is delayed by 1 hour or more.
- Talabat 20% instant discount (up to AED 14) once a month on food and grocery orders.
Rates and Fees:
- Annual membership fee AED 315 (including VAT); First-Year Annual Fee: Free (AED 0); Annual Membership Fee (Year 2 onwards): AED 300 (Waived indefinitely without spend conditions; 5% VAT applicable over fee when charged)
- Late Payment Charges: Standard Citibank UAE card terms and late fee charges apply if minimum payment is missed.
- Interest Rate: Special introductory rate from 15% p.a. for new customer 1st loan; standard finance charges/APR apply to remaining retail balances or un-amortized cash balances.
Eligiblity & Requirements:
- Minimum Monthly Salary: AED 15,000
- Age Requirement: 18 years old or above
- Residency: UAE residents with valid legal status
Documents Required:
- Valid Emirates ID (original / copy)
- Valid Passport copy
- Valid UAE Residence Visa copy
- Salary Account IBAN details (and bank statement if requested during verification)
Terms and conditions apply, subject to change without prior notice.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
