It earns 5 Citi Miles per USD on eligible non-AED spend and 2.5 Citi Miles per USD on regular eligible AED spend. EEA currencies and selected merchant categories earn lower rates.
Citi Ultima Credit Card
Earn up to 5 Citi Miles per USD, plus premium flight, hotel, lounge, golf, airport transfer and concierge benefits.
Updated Aug 2026
≈ AED 2,831 value / year · incl. perks
Rewards
5Citi Miles
per USD spent in eligible non-AED currencies.
Eligible non-AED transactions earn 5 Citi Miles per USD. Transactions in EEA currencies and selected categories earn at lower rates under the programme terms.
See full breakdown2.5Citi Miles
per USD spent on eligible AED transactions.
Regular eligible AED spend earns 2.5 Citi Miles per USD. AED transactions in insurance, education, real estate, transit and transport, utilities, telecom and government services earn 1 mile per USD.
See full breakdown30,000Citi Miles
annual bonus after payment of the annual fee.
Earn 30,000 bonus Citi Miles each year after paying the annual membership fee. Programme terms and account eligibility apply.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
36,750AED
Minimum Income
Approval remains subject to Citi review
Citi may request identity, residency, employment and income documents before making a final credit decision.
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.
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
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
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
Additional Benefits
50% airline ticket rebate
Up to AED 2,000 once per year.
Book eligible air travel and receive a 50% cash rebate, capped at AED 2,000 once per year, subject to Citi Ultima travel benefit terms.
See full breakdownComplimentary third hotel night
Unlimited third-night-free hotel bookings worldwide.
Book through the designated Citi Ultima concierge channel and receive the third consecutive night free, subject to the published booking and property conditions.
See full breakdownGlobal airport lounge access
14 visits per year to 1,200 lounges, with one guest.
Access is provided through Mastercard Travel Pass and requires the qualifying non-AED transaction specified by the programme before a visit.
See full breakdownCareem airport rides
4 rides per year, up to AED 84 each.
Use the Mastercard promotional code in the Careem app for eligible airport rides, subject to the annual allowance and offer terms.
See full breakdownComplimentary golf
Unlimited weekdays and one weekend round per month.
Participating UAE courses, advance reservation, availability and Citi's golf programme terms apply.
See full breakdownBuy-one-get-one movie tickets
4 VOX and 2 Reel ticket offers per month.
Use the eligible Citi Ultima card through the participating cinema booking channels. Monthly limits and booking terms apply.
See full breakdownValet parking
2 complimentary visits per month.
Available at participating Valtrans locations in the UAE, subject to Citi's current valet programme terms.
See full breakdownHome check-in and concierge
4 home check-ins per year plus premium travel support.
Arrange eligible home check-in and travel or lifestyle requests through the Citi Ultima concierge. Service-area and booking conditions apply.
See full breakdownFees
3,150AED
Joining Fee
First-year fee: AED 3,000 plus 5% VAT.
3,150AED
Annual Fee
AED 3,000 plus 5% VAT.
3.5%
Monthly Interest
42% annual percentage rate until the issuer's announced October 2026 rate change.
Late PaymentAED 230
Cash Advance3%*
*3% of the cash advance or AED 99, whichever is higher, capped at AED 250; VAT may apply.
Foreign Currency Fee2.99%
Frequently Asked Questions
Get answers to common questions about Citi Ultima Credit Card credit card
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