Emirates Citi Bank Ultima Credit Card

  • Minimum Salary AED 36,750
  • Salary Transfer No
  • Islamic No
  • Cashback No
  • Annual Fee 3,000
  • Rate


Earn the best Skywards Miles rate in the UAE! Earn up to 2.5 Skywards Miles on every USD spent and redeem them for Rewards flights and upgrades with Emirates.

Experience the Emirates-Citibank Ultima Card like you should, with unique privileges and benefits like complimentary Skywards Silver Membership, 25,000 sign up bonus Skywards Miles, 0% interest for 3 months easy installment plan on Emirates tickets, unlimited access to 1000+ airport lounges via Lounge Key, unlimited complimentary golf and much more.

Meet the world with Emirates and Citibank. 


Offer:  “Get a Citi credit Card and stand a chance to win AED 15,000 statement credit, till 31st March 2020 only!

Each product gets you one entry:

Join Citigold Get a chance to win AED 15,000 Cashback
Get a Citi Credit card Get a chance to win AED 15,000 Statement Credit
Get a Citi Loan Get a chance to win AED 15,000 worth Dnata Vouchers


Terms and conditions:

  • The raffle offer duration is from March 2, 2020 to March 31, 2020.
  • Customer needs to apply online during the campaign period to be eligible for this raffle
  • The product applied to by the customer must get approved and the actions below, depending on the product type availed, must be completed by 09th Mar 2020:Credit Card- activation of the card
  • The raffle will be held under the supervision of Dubai Economic Department on 16th Mar 2020 and the winners will be communicated by registered email/SMS
  • The customer will get one entry per product applied for and activated during campaign period
  • The customers will receive the reward within 30 days of raffle date
  • This offer is over and above any existing offer running during campaign period on Credit Cards, personal loans and Citigold.
  • All Credit Cards and personal loans are approved at the sole discretion of Citibank, N.A, UAE (Citibank N.A.). Approval for a Credit Card / personal loan is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification
  • These Campaign T&C's shall be read in conjunction with Citibank Terms and Conditions, which are subject to change and are available on www.citibank.ae
  • All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/ other entity(ies)
  • In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
  • Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer with or without any reason
  • Customers acknowledge and agree to all the terms & conditions listed on the online application forms for Credit Cards, personal loans and Citigold account.
  • This campaign is not applicable for US Citizens or US green card holders.


Financial Features:

Annual Fees: AED 3,000

Minimum Salary Requirement: AED 36,750

Retail Interest Rate:  3.25% will be charged on the outstanding amount on monthly basis after 52 days interest-free period

Foreign Currency Transactions Rate:  2.99% per month; Applicable to overseas transactions only

Balance Transfer Fees: Balance transfer at 0% rate of interest for 6 monthly instalments. One time processing fee of only 3% of the BT amount.  No pre-closure fee.

Repayment Period: 21 Days from statement date

Purchase Protection:  No


Travel Benefits:

Airport Lounge Access: Unlimited access to 1000+ airport lounges for Primary and Supplementary card members plus 1 free guest each via Lounge Key

Travel Medical Insurance: Complimentary Travel Inconvenience & Travel Medical Insurance

Meet & Greet Service: Complimentary Marhaba Silver Meet & Greet Services

Other Travel Features:

  • 0% interest for 3 months easy installment plan on Emirates tickets purchased through www.emirates.ae 


Skyward Miles:

  • Earn 2.5 Skywards Miles per USD spent on tickets purchased online at www.emirates.com
  • Earn 1 Skywards Miles per USD of local currency (AED) spend
  • Up to 2.5 Skywards Miles per USD of international spend
  • Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai


Leisure and Entertainment benefits:

Movie Tickets: Buy one, Get one free movie tickets with Reel & VOX cinemas

Dining Privileges: Fine Dining program in partnership with 500+ dining outlets across the UAE

Golf Benefits: Complimentary unlimited free golf on weekdays and 1 free round on weekends per month

Other Features:

  • Exclusive offers ranging from lifestyle discounts to 0% payment plans
  • Citibank world privileges, Free Citibank alerting service and much more
  • 100% Metal card for the primary cardholder
  • International Concierge service



  • Get 25,000 Skywards Miles when you apply for the card, 10,000 Skywards Miles on yearly renewal of your Card

Documents Required

  • Valid Passport & Visa Copy.
  • Emirates ID copy.
  • Salary Certificate addressed to Citibank.
  • 3-month Salary bank statements.

Additional Info

Disclaimer: Bonus Skywards Miles are subject to the full AMF payment as per the current schedule of fees and charges. Citibank Terms & Conditions apply

All info mentioned can change at any point in time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change.

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