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Citibank Citi Ultima Credit Card
Citibank

Citi Ultima Credit Card

Premium travel card with Citi Miles, unlimited hotel nights free and 50% off flights

Apply at bank

Key facts

Min salary
AED 36,750/mo
Annual fee
AED 3,150/yr
Salary transfer
Not required
FX fee
2.99%
Monthly interest
3.5%
Interest-free days
52 days
Welcome offer
AED 1,250 joining bonus statement credit on AED 25,000 spend in 60 days + 30,000 bonus Citi Miles annually on fee payment

Earn rates

  • Everything else
    No cap
    2.5 Citi Miles per USD 1 on AED spend (50% reduced rate on EEA currencies; 40% reduced rate on govt, utilities, telecoms, education, insurance, real estate, transit, transport in AED) | Non-AED spend: 1.361/AED miles
    0.681 miles / AED

Perks

  • Global airport lounge access – up to 14 visits/year (1,200+ lounges via Mastercard Travel Pass)
  • 4 airport transfers per year via Careem app (up to AED 84 each)
  • Unlimited complimentary golf on weekdays + 1 round on weekends per month
  • 2 complimentary valet parking visits per month
  • Buy 1 Get 1 Free movie tickets (4 at VOX + 2 at Reel per month)

The fine print that matters

  • Annual Fee Includes VAT

    Annual fee is AED 3,000 + 5% VAT = AED 3,150.

  • Reduced Earn Rate on EEA Currencies

    Non-AED spend in EEA currencies earns only 50% of the standard non-AED rate (2.5 miles per USD 1 instead of 5).

  • Reduced Earn Rate on Excluded AED Categories

    Government, utilities, telecoms, education, insurance, real estate, transit and transport in AED earn only 40% of the standard AED rate (1 mile per USD 1 instead of 2.5).

  • Metal Supplementary Card Fee

    One-time issuance fee of AED 1,000 per metal supplementary card.

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.