Citibank
Citi Ultima Credit Card
The Citi Ultima Credit Card is a travel credit card from Citibank. It has an annual fee of AED 3,150, and needs a minimum salary of AED 36,750 a month.
Annual fee
AED 3,150
Joining fee
Free
Min. salary
AED 36,750/mo
Rewards in
Citi Miles
Material
Metal
Card highlights
- Earn 2.5 Citi Miles per USD on general AED spend (groceries and fuel included); 5 per USD on non-AED spend
- 30,000 bonus Citi Miles each year from year 2, plus transfer to 11 airline and hotel partners
- 14 lounge visits a year across 1,200+ lounges (Mastercard Travel Pass), plus 4 Careem airport rides a year
- Unlimited weekday golf plus 1 weekend round a month, 2 valet visits a month, and 50% off 1 flight a year (up to AED 2,000)
Earn rates
| Category | Rate |
|---|---|
| International spend | 3.01% |
| Travel | 1.51% |
| Retail | 1.51% |
| Supermarket | 1.51% |
| Dining & food | 1.51% |
| Fuel | 1.51% |
| Online shopping | 1.51% |
| Utilities | 0.6% |
| Education | 0.6% |
| Transport | 0.6% |
| Real estate | 0.6% |
2.5 Citi Miles per USD on spend in European Economic Area currencies, against 5 per USD on other non-AED spend. Citi's EEA list is EUR, BGN, HRK, CZK, DKK, HUF, PLN, RON, SEK, ISK, NOK and CHF. Sterling is not on that list, so UK spend in GBP earns the full non-AED rate. In Perkly's terms that is about 1.51% back, not the international rate shown above.
Current welcome offer
AED 1,500 statement credit as a joining bonus
- Spend AED 25,000 within 60 days of card approval to qualify
- Bill payments through Citibank Online or Citi Mobile do not count towards the spend
- New Citi Credit Card customers only, applying directly through the Citi website; existing customers, former customers who closed a card in the last 24 months, and Citi staff are excluded
Expected offer expiry: January 2027
Benefits & perks
- •50% rebate on 1 air ticket per calendar year, up to AED 2,000, via Citi Ultima Concierge
- •14 complimentary airport lounge visits per calendar year at 1,200 lounges via Mastercard Travel Pass
- •Complimentary golf: unlimited weekday rounds plus 1 weekend round per month (AED 5,000 monthly spend required, primary cardholder only)
- •1 free hotel night when booking 3+ consecutive nights via Citi Ultima Concierge
- •Marhaba Silver meet and greet: 2 complimentary visits per year at Dubai International Airport
- •Complimentary home check-in: up to 4 times per calendar year (book 3 business days before departure)
- •Airport security fast-track: 3 complimentary visits per year
- •4 complimentary Careem airport rides per calendar year, up to AED 84 off each ride
- •2 complimentary Valtrans valet parking visits per calendar month, shared across primary and supplementary cardholders
- •Cinema buy 1 get 1 free: 4 tickets/month at VOX and 2 tickets/month at Reel (primary cardholder)
- •30,000 bonus Citi Miles credited annually from year 2, with no spend requirement
- •Talabat 20% off 1 grocery or food order per month, up to AED 14
- •Purchase protection for items damaged or stolen within 90 days of purchase
- •Complimentary ID theft protection
- •Citi Ultima Concierge service
- •0% easy instalment plan available
- •World Elite Mastercard, issued in metal
Every card is checked against official bank sources. Last updated September 2026.
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