Best Citi Premium & Travel Credit Cards in the UAE
Citi UAE premium cards compared.
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Options include Citi Prestige (lounge access), Citi Ultima (top tier), and Citi Premier — salary tiers, annual fees, ThankYou Points.
Best travel rewards
CITIBANK
Citi Prestige Credit Card
≈ AED 15,921 potential value / year · incl. perks
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
14 lounge visits/year
4 Careem airport rides/year
Best top-tier
CITIBANK
Citi Ultima Credit Card
≈ AED 28,662 potential value / year · incl. perks
30,000 annual bonus miles
5 miles/USD non-AED
2.5 miles/USD in AED
14 lounge visits/year
4 Careem airport rides/year
Best entry to premium
CITIBANK
Citi Premier Credit Card
≈ AED 11,901 potential value / year · incl. perks
Direct Citi applicants: AED 750 credit after AED 10,000 spend
3 ThankYou Points per USD on dining, fuel and grocery
2 ThankYou Points per USD on other international spend
Best Citi Premium & Travel Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 30,000 | Travel rewards, 14 Mastercard Travel Pass visits, and concierge |
| AED 3,150 | AED 36,750 | Top-tier Citi card with 14 Mastercard Travel Pass visits, concierge, and travel insurance |
| AED 787.50 | AED 15,000 | Citi Premier banking tier — premium without the ultra-premium fee |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 30,000 | Travel rewards, 14 Mastercard Travel Pass visits, and concierge |
| AED 3,150 | AED 36,750 | Top-tier Citi card with 14 Mastercard Travel Pass visits, concierge, and travel insurance |
| AED 787.50 | AED 15,000 | Citi Premier banking tier — premium without the ultra-premium fee |
Citi Prestige Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightTravel rewards, 14 Mastercard Travel Pass visits, and concierge
Citi Ultima Credit Card
Annual feeAED 3,150
Min. salaryAED 36,750
HighlightTop-tier Citi card with 14 Mastercard Travel Pass visits, concierge, and travel insurance
Citi Premier Credit Card
Annual feeAED 787.50
Min. salaryAED 15,000
HighlightCiti Premier banking tier — premium without the ultra-premium fee
October Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose Citi Premium & Travel Credit Cards in the UAE
1.
Established premium positioning
Citi Prestige is one of the longest-running premium UAE credit cards, with a stable benefits structure around lounge access, concierge, and ThankYou Points.
2.
Ultima for high-volume international spenders
Citi Ultima targets HNW clients with 14 annual Mastercard Travel Pass visits, dedicated concierge, comprehensive travel insurance, and elevated Citi Miles earning.
3 cards in the UAE
CITIBANK
Citi Prestige Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
CITIBANK
Citi Ultima Credit Card
- Salary: AED 36,750
- Annual Fee: AED 3,150
- 30,000 annual bonus miles
- 5 miles/USD non-AED
- 2.5 miles/USD in AED
CITIBANK
Citi Premier Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 787.50
- Direct Citi applicants: AED 750 credit after AED 10,000 spend
- 3 ThankYou Points per USD on dining, fuel and grocery
- 2 ThankYou Points per USD on other international spend
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 15,000–36,750 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 15,000–36,750 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Citi Premium & Travel Credit Cards in the UAE
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