Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Citibank - Salary Transfer Loan Citibank - Salary Transfer Loan Minimum Salary: AED 8,000 Salary Transfer: Yes Islamic Finance: No Maximum Term: 4 Years Flat Rate: 3.73% Reducing Rate: 8.0%
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A Citibank Personal Loan enables you to plan for the year ahead. Whether your resolutions involve paying for education expenses, home renovations or other personal endeavors, it is now within your reach.

An affordable way to protect your family.
  • Credit Insurance will repay the outstanding loan balance in case of the borrower's death and permanent total disability.
  • This product features pre-approval and guaranteed insurance coverage provided by MetLife ALICO.
  • There are no medical examinations required.
  • A maximum premium of 2.01% on the loan amount will be added to the loan amount
  • Loan Insurance premium outstanding will be settled against the pre-payment penalty in cases of pre-mature loan closures for such coverage unless customer assigns his/her existing life insurance policy

Get a Citi credit Card and  stand a chance to win AED 15,000 statement credit, till 31st March 2020 only! 

Get a Citi Credit Card, Loan or join Citigold to get a chance to win AED 15,000 in statement credit, dnata vouchers or cashback!

Each product gets you one entry:
Join CitigoldGet a chance to win AED 15,000 Cashback
Get a Citi Credit cardGet a chance to win AED 15,000 Statement Credit
Get a Citi LoanGet a chance to win AED 15,000 worth Dnata Vouchers.

  • The raffle offer duration is from March 2, 2020 to March 31, 2020.
  • Customer needs to apply online during the campaign period to be eligible for this raffle
  • The product applied to by the customer must get approved and the actions below, depending on the product type availed, must be completed by 09th Mar 2020:Credit Card- activation of the card
  • The raffle will be held under the supervision of Dubai Economic Department on 16th Mar 2020 and the winners will be communicated by registered email/SMS
  • The customer will get one entry per product applied for and activated during campaign period
  • The customers will receive the reward within 30 days of raffle date
  • This offer is over and above any existing offer running during campaign period on Credit Cards, personal loans and Citigold.
  • All Credit Cards and personal loans are approved at the sole discretion of Citibank, N.A, UAE (Citibank N.A.). Approval for a Credit Card / personal loan is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification
  • These Campaign T&C's shall be read in conjunction with Citibank Terms and Conditions, which are subject to change and are available on
  • 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 partner(s)/ other entity(ies)
  • In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
  • Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer with or without any reason
  • Customers acknowledge and agree to all the terms & conditions listed on the online application forms for Credit Cards, personal loans and Citigold account.
  • This campaign is not applicable for US Citizens or US green card holders.
  • Apply with your ID only
  • Get decision in 24 hours
  • Loans of up to AED 250,000 (Salary transfer to Citibank required)
  • Loan amounts of up to 20 times of your salary
  • Competitive interest rates (Reducing rate starting from 8% up to 15%)
  • The flat rate equivalent based on the longest tenor is 3.73% and the longest tenor is 48 months.
  • Monthly installments starting from as low as AED 220
  • Approvals in 1 day
  • Instant loan funding upon final approval
  • Tenors from 6 months up to 48 months
  • Optional Credit life insurance
  • 1% of loan amount arrangement fee
Documents Required
  • Salary transfer letter
  • Last 3 months bank statements (with salary transfer)
  • Minimum (fixed) monthly salary of only AED 8,000
  • Passport Copy / Emirates ID Copy
  • 6 months on the job or confirmed employment
  • Salary transfer to Citibank
  • The rate is calculated on a reducing basis and varies between 8% and 15% depending on customer income and loan amount
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. 

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the 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.
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