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Premium
Citibank
Premier Card
No salary transfer needed
Min. salary
AED 15,000
Annual fee
AED 787.5
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 787.5
- 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 15,000
- 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 350 statement credit on AED 10,000 spend within 60 days
- 3 ThankYou Points per USD 1 on dining, fuel and grocery (AED) spend
- 2 ThankYou Points per USD 1 on non-AED spend; 1 point per USD 1 on other AED spend
- Airport lounge access: 1,200 lounges via Mastercard Travel Pass app, 14 visits per year plus one complimentary guest per visit, subject to non-AED spend
- Golf: 1 free round per month at UAE golf courses
- VOX Cinemas: 30% off 4 movie tickets per month
- Talabat: 20% discount (up to AED 14) once a month
- Careem: 4 airport rides per year (up to AED 84 each)
- Travel accident and medical insurance; purchase protection up to USD 20,000 per year
- Points transferable to airline partners
- Earn restrictions (KFS): 25% AED points 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.