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.

Enjoy a higher credit limit — get up to 6× your monthly income or AED 175,000, whichever is lower.

Get an instant cash advance upon credit limit approval in any personal bank account within the UAE.

No early repayment fees, so you can repay in instalments (up to 48 months) or repay early in lump sum without worrying about additional charges.

Access to 1,300 airport lounges worldwide with a lounge pass.

20% instant discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use promo code “MASTERCARD” at checkout.

Enjoy an exclusive discount at Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea.

Benefit from a 0% installment payment plan with all merchants that accept Citi cards, making your purchases easier to manage.