← All 169 cards
PremiumMastercard
Citibank
Citi Ultima Credit Card
No salary transfer needed
Min. salary
AED 36,750
Annual fee
AED 3,150
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 3,150
- Fee note
- No standard waiver
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 36,750
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome offer: AED 1,250 statement credit on AED 25,000 spend within 60 days
- 5 Citi Miles per USD 1 on non-AED spend; 2.5 Citi Miles per USD 1 on AED spend
- 30,000 bonus Citi Miles annually upon payment of annual fee
- 50% cash rebate on air travel tickets (up to AED 2,000) once a year
- Unlimited complimentary 3rd night free at any hotel worldwide
- Airport lounge access: 1,200 lounges via Mastercard Travel Pass app, 14 visits per year, plus one free guest each per visit (incl. supplementary members)
- Complimentary home check-in 4 times a year via Citi Ultima Concierge
- Golf: unlimited weekdays and once monthly on weekends; valet parking 2 visits per month
- Cinema: buy-1-get-1 movie tickets monthly (4 at VOX, 2 at Reel)
- Citi Miles transferable to 11 airline/hotel partners
- Metal supplementary card one-time issuance fee AED 1,000 (Ultima MasterCard only)
- Earn restrictions (KFS): 40% AED miles rate on Govt Services, Utilities, Telecom, Education, Insurance, Real Estate, Transit and Transport; 50% non-AED rate on EEA-currency spend
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.