Citi Ready Credit Card
Citi Ready Credit Card provides instant cash access, higher credit limit potential, flexible repayment and no annual membership fee waiver from year 2 onwards.
Overview
- ✓Popular and first in market card like an always-on digital loan at a click of a button via Citi Mobile® app
- ✓Immediate cash up to 100% of credit limit in your bank account anywhere in UAE
- ✓Higher credit limit up to 6X monthly income or AED 175,000 (whichever is lower)
- ✓Special rate from 15%* per annum for the first loan booked within 1 month from card approval
- ✓Sign-up once and borrow as many loans as you need within your credit limit at a click of a button. No need to re-apply for new loans in the future.
- ✓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
- ✓Talabat: 20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout
- ✓Titanium Flight Delay Program: Access to 1,300 airport lounges worldwide with a lounge pass if any pre-registerd flights are delayed for by 1 hour or more
- ✓No Annual Membership Fee (AMF)**: waived indefinitely
- ✓*T&Cs apply. 15% is the annual rate and is applicable only for new Citibank customers during the term of the 1st loan booked within 1 month of card approval. Min tenure is 24 months and max tenure is 48 months.
- ✓**No AMF in year 1. AMF is waived for year 2 onwards without conditions.
Eligibility
- ✓Minimum monthly income: AED 8,000. Applicant should be 21 years old or above. Approval is subject to Citi policy, credit checks and documentation.
Fees & Charges
Top Benefits
Airport Lounge
Complimentary access to selected airport lounges.
Cash Advance
Benefit available as per bank terms and conditions.
Dining
Dining discounts and restaurant privileges.
Flexible Repayment
Benefit available as per bank terms and conditions.
Loan on Card
Convert eligible limits into easy installments.
No Annual Fee
Benefit available as per bank terms and conditions.
Shopping
Benefit available as per bank terms and conditions.
Travel
Travel related privileges and partner offers.
Instant cash advance up to 100% of approved credit limit
Higher credit limit up to 6x monthly salary or AED 175,000, whichever is lower
Flexible repayment plan
No annual membership fee in year 1; AED 300 AMF waived from year 2 onwards without conditions
Airport lounge benefit on eligible delayed flights subject to terms
Talabat and Mastercard lifestyle offers
Documents Required
- ✓Valid Emirates ID
- ✓Passport and valid UAE visa copy
- ✓Salary account IBAN number
- ✓Passport number
- ✓Additional documents may be requested by Citi during the application
Creditcardfinder Score
Score based on Strong overall value, moderate salary eligibility, standard annual fee, reward/cashback value, multiple selected benefits. Final approval and card terms remain subject to bank policy.
About Citi Bank
Citi Bank UAE is part of one of the world’s leading financial institutions, offering premium banking services and globally recognized products. In the UAE, Citi is known for its strong focus on affluent customers, international banking convenience, and high-value financial solutions. The Citi Bank UAE credit card range includes cards tailored for travel, rewards, cashback, luxury lifestyle benefits, and everyday spending. Many Citi credit cards are popular for features such as airport lounge access, reward points, dining privileges, hotel offers, and travel-related benefits. Whether you are a frequent traveller or someone looking for premium lifestyle perks, Citi Bank UAE offers cards designed for different income levels and spending preferences. On this page, you can explore and compare the latest Citi Bank UAE credit cards to find the right option based on annual fees, eligibility, rewards, and lifestyle benefits.
FAQs
How much credit limit can I get with Citi Ready Credit?
Citi Ready Credit may offer a credit limit of up to 6 times the applicant’s monthly income or up to AED 175,000, whichever is lower. The final approved limit depends on Citi’s internal policy, income, credit history, and eligibility checks.
Is Citi Ready Credit useful for emergency cash needs?
Yes, Citi Ready Credit can be useful for planned or emergency cash needs because eligible customers can transfer cash to their UAE bank account and repay through monthly instalments or settle the loan early without an early settlement fee.
Who should consider applying for the Citi Ready Credit Card?
This card may be suitable for UAE residents who need a flexible cash facility, prefer monthly repayment options, and want access to a higher credit limit instead of a traditional rewards or cashback-focused credit card.
How can I apply for Citi Ready Credit Card online in UAE?
You can compare Citi Ready Credit Card on Creditcardfinder.ae and click Apply Now to continue to the Citi online application journey. Citi may request Emirates ID, passport, valid UAE visa copy, salary account IBAN and passport number.
Is Citi Ready Credit Card the best Citi credit card for me?
Citi Ready Credit Card may be suitable if its minimum income requirement, annual fee and card benefits match your spending or cash access needs. Compare it with other UAE credit cards before applying.
Why Apply with Creditcardfinder.ae?
Free Comparison
Compare UAE credit cards without any hidden charges.
Secure Journey
Your application continues through a secure process.
Curated Cards
Shortlist cards based on salary, fees, benefits and rewards.
Better Choice
Understand key fees and benefits before you apply.
