Citibank
    Updated January 2026

    Best Citibank Credit Cards in UAE 2026

    Citibank is one of the world's largest financial institutions with a strong presence in the UAE since 1964. Known for their global rewards program and premium travel benefits, Citi credit cards are popular among frequent travelers and those seeking international acceptance.

    Citi stands out with their signature unlimited lounge access across most cards, flexible rewards redemption, and the exclusive Emirates-Citibank partnership for Skywards miles. Their Simplicity card is also renowned for having zero fees of any kind.

    We have curated the 5 best Citibank credit cards to help you find the perfect match for your lifestyle.

    Quick Comparison

    CardAnnual FeeMin SalaryKey Benefit
    Citibank - Citi SimplicityFreeAED 5,000No Fees Ever
    Citibank - Citi Cashback CardFreeAED 8,000Unlimited Lounges
    Citibank - Citi RewardsAED 300AED 8,000Unlimited Lounges
    Citibank - Citi PremierAED 750AED 15,000Unlimited Lounges
    Citibank - Emirates-Citibank UltimaAED 3000AED 36,750Unlimited Lounges

    Featured Cards

    1
    Citibank

    Citibank - Citi Simplicity

    20% on Talabat

    Citibank - Citi Simplicity

    Annual Fee

    Free for Life

    Min Salary

    AED 5,000

    Type

    Cashback

    Key Features:

    No Fees Ever - No annual fee, late payment fee, cash advance fee or overlimit fee- ever
    Select Lounge Access - Access to select airport lounges across the Middle East with MasterCard Travel Pass app
    20% Talabat - 20% instant discount (up to AED 14) on grocery and food orders twice a month on the Talabat app. Use promo code “MASTERCARD” at checkout.
    PayLite Payment Plan - PayLite: turn any big purchases into small payments
    Free Supplementary - Complimentary supplementary cards for your family members
    2
    Citibank

    Citibank - Citi Cashback Card

    1% base | 3% non-AED spend, 2% groceries

    Citibank - Citi Cashback Card

    Annual Fee

    Free for Life

    Min Salary

    AED 8,000

    Type

    Cashback

    Key Features:

    Unlimited Lounges - Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
    No Fee Year 1 - No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
    Unlimited Cashback - No caps (up to the credit limit each month), no minimum spend, no redemption process and no spend categories excluded
    Up to 3% Cashback - 3% cashback on non-AED spend, 2% cashback on Grocery Spend and 1% cashback on all other Spend
    Cashback on All Spend - Enjoy automatic cashback on every purchase you make with the Citi Cashback Card.
    Free B1G1 Offers - Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
    3
    Citibank

    Citibank - Citi Rewards

    1.5 Points per USD | Variable rates for cash rebate

    Citibank - Citi Rewards

    Annual Fee

    AED 300

    Min Salary

    AED 8,000

    Type

    Hybrid

    Key Features:

    Unlimited Lounges - Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
    No Fee Year 1 - No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
    Pay with Points - Pay with points for your purchases via SMS or online
    Global Discounts - Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
    Buy 1 Get 1 Offers - Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
    1.5 Points per USD - Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or redeem for travel related spend
    4
    Citibank

    Citibank - Citi Premier

    Variable rates | See card features

    Citibank - Citi Premier

    Annual Fee

    AED 750

    Min Salary

    AED 15,000

    Type

    Hybrid

    Key Features:

    Unlimited Lounges - Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
    AED 350 Bonus - Apply for a Citi Premier Credit Card and get up AED 350 welcome offer as a statement credit.
    Flex Redemption - Redeem points for cash rebates, staycation bookings, travel related spend, or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
    15% Carrefour Discount - 15% Carrefour instant discount once a month
    20% Talabat - 20% talabat instant discount twice a month
    10% Amazon Discount - 10% amazon instant discount once a month
    5
    Citibank

    Citibank - Emirates-Citibank Ultima

    2.5 miles/USD

    Citibank - Emirates-Citibank Ultima

    Annual Fee

    AED 3000

    Min Salary

    AED 36,750

    Type

    Miles

    Key Features:

    Unlimited Lounges - Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
    Skywards Silver Member - Exclusive 100% metal card + Skywards Silver Membership
    25K Skywards Bonus - 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
    25K Skywards Bonus - Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon payment of annual fee
    Up to 2.5 Miles/$ - Earn up to 2.5 Skywards Miles per $ spend
    Travel Insurance - Complimentary Travel Insurance"

    Frequently Asked Questions

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