Ready Card
No salary transfer needed
Free in year 1; AED 300 fee waived from year 2 onwards without conditions (effectively free for life while waiver stands)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 315
- Fee note
- Free in year 1; AED 300 fee waived from year 2 onwards without conditions (effectively free for life while waiver stands)
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 8,000
- 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.
What you get.
- Introductory rate: '15% is annual rate and is applicable during the term of the 1st loan booked on Ready Credit Card within 1 month of card approval' (new Citi customers)
- Credit limit up to 6X monthly income or up to AED 175,000, whichever is lower
- Instant cash access: withdraw up to 100% of credit limit direct to a UAE bank account
- Flexible repayment: pay monthly minimum or in full without extra charges; no early settlement fee on Ready Credit loans
- Standard rate lower than other Citi cards: 3.25% per month (39.00% APR)
- Loan on Card available at the time of account opening (per KFS)
- Talabat: 20% discount (up to AED 14) on grocery and food orders once a month
- Mastercard Titanium privileges (merchant discounts, offers)
- No rewards earning; supplementary card not available (per Schedule of Charges)
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.