Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Citibank - Emirates-Citibank Ultima Citibank - Emirates-Citibank Ultima Minimum Salary: AED 36,750 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 3,000 Rate: 3.25%
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Enjoy the best Skywards Miles earn rate in the UAE and exclusive 100% Metal Card. 

Sign up for the Emirates- Citibank Ultima Credit card and get 25,000  welcome bonus Skywards Miles, and 10,000 Skywards Miles annually upon renewal

Earn up to 2.5 Skywards Miles per USD and redeem them for free flights and upgrades with Emirates and partner airlines or at any of the Emirates partners in hospitality, car hire, lifestyle & retail.

Enjoy complimentary Skywards Silver membership- extra baggage and Emirates lounge access in Dubai Airport and unlimited access to 1000+ airport lounges worldwide for you and a guest. Also enjoy unlimited golf on weekdays and 1 free round on weekends per month.


  • You require a minimum salary of AED 36,750 per month to be eligible for this card.

  • This is a conventional card
  • This is a premium card
  • The annual fee applicable on this card is AED 3,000
  • Monthly interest rate is 3.25% of the outstanding account balance with up to a 52-day interest-free period
  • The foreign currency rate applicable on overseas transactions is 2.99% per month
  • Balance transfer at 0% rate of interest for 6 monthly installments. One time processing fee of only 3% of the BT amount. No pre-closure fee. 6-48 months BTF plans are also available
  • Earn 2.5 Skywards Miles per USD spent online at, 1.5 Skywards Miles per USD on international spend and 1 Skywards Mile per USD on local spend. Redeem your Skywards Miles for reward flights and upgrades with Emirates
  • No cashback is rewarded for this card
  • Exclusive 100% Metal card
  • Complimentary Skywards Silver membership (extra baggage and Emirates lounge access in Dubai Airport)
  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
  • Buy 1, Get1 free movie tickets with Reel & Vox cinemas
  • International Concierge
  • Complimentary Marhaba Silver Meet & Greet service
  • 0% interest installment plan on tickets purchased online at
  • Complimentary Travel Inconvenience & Travel Medical Insurance and much more
  • Citibank Terms & Conditions apply.
  • Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal.
  • Citibank Terms & Conditions apply.
Additional Information

*A. I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: Call us at: +971 4 311 4000. 

Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

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