The Citi Premier Card is a popular choice among UAE residents to earn flexible rewards, enjoy travel perks, and manage their lifestyle spending efficiently.
This guide will walk you through the features, eligibility, and step-by-step application process.
Citi Bank in UAE
Citibank has been a prominent financial institution in the United Arab Emirates (UAE) since 1964, when it opened its first branch in Dubai, followed by Abu Dhabi.
Over the decades, it has established itself as a key player, offering a comprehensive range of services to both individual and corporate clients.
Citibank UAE operates full-service branches in Dubai, Abu Dhabi, and Sharjah, along with a smart center and Citigold lounges.
The bank’s regional headquarters is located in the Dubai International Financial Centre (DIFC), and it also maintains a branch in the Abu Dhabi Global Market (ADGM).
What Makes Citi Premier Card Stand Out
Before applying, it’s good to know what you’re signing up for. The Citi Premier Credit Card is designed to deliver real value in three core areas:
1. Reward Points System
You earn ThankYou® Points for each eligible purchase:
- 3 points on dining, fuel, and groceries – categories most people use daily.
- 2 points on all foreign currency transactions.
- 1.5 points on other AED domestic spending.
You can redeem your points for flights, hotels, shopping vouchers, and more via the ThankYou® Rewards portal.
2. Travel & Lifestyle Benefits
Mastercard Travel Pass gives free lounge access at over 1,100 airports worldwide.
Golf Privileges allows you to enjoy one complimentary round of golf each month at top UAE courses.
Dining and Entertainment Deals to access to exclusive dining offers and entertainment discounts.
3. Welcome Bonus
Spend AED 15,000 within the first 90 days of approval and get an AED 500 statement credit, automatically applied to your account.
Extra Tools: Citi PayAll & Cash Loan
These are some tools that bring extra value to the card by allowing clients to access them easily.
Citi PayAll
A unique tool for paying big bills – like rent, school tuition, or maintenance fees – with your credit card.
The best part? You earn ThankYou® Points for these large payments.
No need for the receiver to accept card payments. A small service fee applies per transaction.
Cash Loan
Need funds fast? You can convert part of your available credit limit into a Cash Loan.
Repay in fixed monthly installments. Interest rates vary depending on the loan amount and tenure.
No collateral or paperwork needed beyond your initial card setup.
Who Can Apply: Eligibility Requirements
To apply, you must be at least 21 years old, be a UAE resident with valid documentation, and have a monthly salary of at least AED 15,000.
Documents You’ll Need
- Emirates ID
- Passport and visa page
- Proof of income (e.g., salary certificate or bank statements showing salary transfers)
- Salary account IBAN
How to Apply: Step-by-Step
To apply for and get this card, you can fill out an application online or in person at a branch of the bank.
Online Application
Visit the Citi UAE website and locate the Citi Premier Card page, and click on “Apply Now”.
Fill in your personal details, employment info, and income data. Upload the required documents when prompted.
Submit the form and wait for confirmation from Citi’s customer service team.
In-Branch Application
If you prefer an in-person experience, visit any Citibank branch in the UAE.
A banking representative will guide you through the application. Bring all required documents for faster processing.
What Happens After You Apply
Once you submit your application, you’ll receive an SMS or email confirmation.
If approved, your card arrives by courier within 5–7 business days. Use the Citi Mobile® App to activate and start using the card instantly.
Your welcome bonus and points begin tracking once you hit the minimum spend.
Fees & Interest Rates
Understanding the fees will help you use the card wisely:
- Annual Fee: AED 750
- Monthly Interest Rate: 3.5% on retail and cash transactions
- Foreign Currency Fee: 2.99%
- Cash Advance Fee: 3% or AED 99 (whichever is higher)
- Late Payment Fee: AED 230
- Overlimit Fee: AED 249
- Returned Payment Fee: AED 100
You can avoid most of these by paying on time and monitoring your spending via the app.
Citi Mobile® App: Take Full Control
The Citi Mobile® App gives you instant access to all card functions:
- View Everything at a Glance: Track spending, payments, and balances in real-time.
- Activate a New Card: Instantly activate and set a PIN for your new card.
- Secure Your Transactions: Lock or unlock your card and set limits.
- Powerful Features on Demand: Request a credit limit increase, check transaction history, or set spending alerts.
- Track Your ThankYou® Points: Monitor your rewards and redeem points for flights, electronics, or vouchers.
The app is available on both iOS and Android.
Customer Support and Contact Info
If you have questions or run into issues, Citi offers several ways to get help:
- Phone Support (24/7): +971 4 311 4000
- Email Support: [email protected]
- You can also use the Citibank UAE branch locator to find the nearest branch.
Smart Tips for Using Your Card
Pay your bill in full every month to avoid interest. Use Citi PayAll for large bills to earn extra points.
Use your card internationally to benefit from the 2x points rate. Track spending on the app to stick to your budget.
Never exceed your credit limit to avoid penalties.
Conclusion
The Citi Premier Card in the UAE delivers real value for everyday spenders, frequent travelers, and anyone who wants flexible, easy-to-redeem rewards.
It’s easy to apply, packed with perks, and supported by a user-friendly mobile app.
Whether you’re focused on lifestyle benefits, saving on travel, or building points, this card offers a solid return. Apply online or visit your nearest branch today.
Disclaimer: This article is for informational purposes only and is subject to changes by Citibank UAE. Please consult the official Citibank UAE website or contact customer service for the latest details and terms before applying.
