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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

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AboutUnlock my cardsOffersBanksLoyalty ProgramsCalculatorsAccountsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

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Get notified about UAE latest credit card products

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Citi Prestige Credit Card

Joining Fee

Free

Annual Fee

AED 1,575

Minimum Salary

AED 30,000

Citi Prestige Credit Card

Enjoy an AED 750 joining bonus plus airport lounge access, reward points, dining offers and travel perks.

≈ AED 2,449 value / year · incl. perks
WebsiteVisit Citi Prestige Credit Card credit card website

Welcome offer

Welcome Bonus

AED 750 statement credit when you spend AED 20,000 in 90 days

Offer valid until Jan 31, 2026 for new customers applying directly through Citibank UAE website or referral link. Statement credit posted within 30 working days of meeting spend criteria.

Rewards

3Citi Miles

Earn 3 ThankYou Points per USD spent on international transactions.

2Citi Miles

Earn 2 ThankYou Points per USD spent on local transactions.

10,000Citi Miles

Earn 10,000 ThankYou Points annually post payment of the annual fee.

Rewards Calculator

Eligibility

21

Minimum Age

30,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

August 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.

See all
ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

Salary: AED 5,000+

No Annual Fee

Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months

Get 20% back as noon credits when you spend on noon food

Get 5% back as noon credits when you spend on noon

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER

EMIRATES NBD

ENBD Voyager World Credit Card

Salary: AED 12,000+

75,000 Miles after AED 35,000 spend

No Annual Fee

6 Voyager Miles on every AED spent on Voyager Travel Portal

3 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Salary: AED 25,000+

150,000 Miles after AED 70,000 spend

No Annual Fee for the first year

12 Voyager Miles on every AED spent on Voyager Travel Portal

6 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Additional Benefits

Global Airport Lounge Access

Unlimited access to 1,100+ lounges worldwide for cardholders and guests.

Marhaba Silver Meet & Greet

Twice a year at Dubai International Airport

Fast-track and porter services for arrivals & departures

See full breakdown

Airport Fast Track

3 fast-track services per year via MasterCardTravel pass

Golf

Unlimited golf on weekdays and 1 round on weekends per month.

Available at The Els Golf Club Dubai, Trump International Golf Club Dubai, Arabian Ranches Golf Club Dubai, Montgomerie Golf Club Dubai and Abu Dhabi Golf Club. Book via the Citibank U.A.E. Golf Tee Time Reservation Form.

See full breakdown

Buy 1 Get 1 Movie Tickets

6 'Buy 1 Get 1 free' tickets per month (4 at VOX, 2 at REEL)

See full breakdown

Easy Installment Plans

Convert large purchases into smaller payments.

Valet Parking

2 services per month at select Valtrans locations

See full breakdown

Travel Accident & Medical Insurance

For delayed flights, lost luggage and emergency medical conditions

See full breakdown

Purchase Protection

Coverage for damaged or stolen items within 90 days of purchase

Up to $5,000 per year coverage limit

See full breakdown

Fees

1,575AED

Annual Fee

3.5%

Interest Rate

99AED

Cash Advance Fee

Minimum AED 99 or 3% of cash advance amount, whichever is higher

Late Payment FeeAED 230
Minimum Payment Due2.74%*

*2.74% of current balance on statement of account

Check Clearance Fee2.5%
Foreign Currency Transaction Fee2.99%
Balance Transfer Processing Fee1%*

*Up to 1% of the Balance Transfer Amount

Important Stuff

Welcome Offer Terms & Conditions

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ThankYou Rewards Terms & Conditions

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Fees and Charges

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Citi Prestige Terms & Conditions

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Citi Cashback Credit Card Design

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Citi Cashback Credit Card

Salary: AED 8,000+

No Annual Fee for the first year

3% Cashback on non-AED spends

2% Cashback on grocery/supermarket spends

1% Cashback on all other spend

ExploreLearn more about Citi Cashback Credit Card credit card benefits and features
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Citi Ultima Credit Card

Salary: AED 36,750

Annual Fee: AED 3,150

30,000 bonus miles annually post payment of annual fee

5 Miles on non-AED spends

2.5 Miles on AED spends

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Salary: AED 15,000+

Annual Fee: AED 787.50

10,000 bonus points annually post payment of annual fee

3 Points on non-AED spends

2 Points on local spends

ExploreLearn more about Citi Premier Credit Card credit card benefits and featuresApplyApply for Citi Premier Credit Card credit card
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Citi Rewards Credit Card

Salary: AED 8,000+

No Annual Fee for the first year

10,000 bonus points annually post payment of annual fee

1.5 Points on grocery and non-AED spends

1 Point on local spends

ExploreLearn more about Citi Rewards Credit Card credit card benefits and featuresApplyApply for Citi Rewards Credit Card credit card
Citi Simplicity Credit Card Design

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Citi Simplicity Credit Card

Salary: AED 5000+

No Annual Fee

20% discount on Talabat

ExploreLearn more about Citi Simplicity Credit Card credit card benefits and featuresApplyApply for Citi Simplicity Credit Card credit card
Citi Ready Credit Card Design

CITIBANK

Citi Ready Credit Card

Salary: AED 8,000

No Annual Fee for the First Year

Instant cash advance upon credit limit approval

Up to 6X of your monthly income or up to AED 175,000, whichever is lower

ExploreLearn more about Citi Ready Credit Card credit card benefits and featuresApplyApply for Citi Ready Credit Card credit card

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