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Citibank Citi Ready Credit Card
Citibank

Citi Ready Credit Card

Instant cash access up to 6x monthly salary with flexible repayment

Apply at bank

Key facts

Min salary
AED 8,000/mo
Annual fee
AED 315/yr (1st year free)
Salary transfer
Not required
FX fee
2.99%
Monthly interest
3.25%
Interest-free days
52 days
Welcome offer
Introductory cash loan rate from 15% per annum for first loan booked within 1 month of card approval (new Citi customers only)
Fee waiver
Annual fee of AED 300 (+VAT) waived from year 2 if annual spend >= AED 9,000

Earn rates

  • Everything else
    No cap
    No rewards or cashback; card is designed for cash access and debt management
    0% back

Perks

  • Access to 1,300 airport lounges if registered flight is delayed 1+ hour (Mastercard Travel Pass flight delay program)

The fine print that matters

  • No Rewards Earned

    This card earns no miles, points or cashback on purchases. It is designed purely for cash access.

  • Annual Fee Includes VAT

    Annual fee is AED 300 + 5% VAT = AED 315. Waived in year 1 and from year 2 if annual spend >= AED 9,000.

  • Standard APR is 39% After Introductory Period

    The 15% introductory rate only applies to the first loan booked within 1 month of card approval for new Citi customers. Standard APR is 39% (3.25%/month).

  • No Supplementary Card

    Supplementary cards are not available for Citi Ready Credit.

Card sorted. Now never pay full price →

50% off everything at Claro Speciality Coffee (Drinks & Desserts) in Sharjah
50% off everything at Claro Speciality Coffee (Drinks & Desserts) in Sharjah
Board game nights at SALT (15% off their menu)
Board game nights at SALT (15% off their menu)
Madame Tussauds Dubai for 39 AED
Madame Tussauds Dubai for 39 AED
AED 39
Not sure it fits you?

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Info only, not financial advice. Always check the bank's Key Facts Statement.