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Citibank Gold Card

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| Annual Fee |
| AED 500 |
| Monthly Interest |
| 2.59% |
| Supplementary Cards |
| 5 Free |
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Key Features
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Receive either 60,000 sign up Citidollars or an AMF reversal on spend of AED 3,000, within 60 days from card approval* |
| 2. |
1.5 CitiDollar on every AED spent |
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Citibank World Privileges |
Top exclusive offers
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ALDO - Spend
AED 500 and get an AED 50 gift voucher |
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Haagen Daz - Enjoy 15% discount on the total bill |
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Dreamdays - Enjoy a wide range of exciting Dreamdays experiences at 10% discount. |
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Café Ceramique - Get a complimentary main course when a main course of equal or greater value is purchased |
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Enjoy Privileges Enjoy Privileges
CitiDollars Rewards CitiDollars Rewards
| Earn 1.5 CitiDollar on every AED of retail spend on your Citibank Credit Card and redeem your CitiDollars for exciting gifts. Look up the gifts and products available to you, click here to access our Rewards Catalogue. |
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Citibank World Privileges Citibank World Privileges
| Expect the recognition and advantages you enjoy locally at thousands of establishments spanning over 30 countries worldwide. From great benefits at the world’s leading hotels, retail shops, car rentals, restaurants, tourist attractions, spas, golf courses and more. Simply use and pay with your Emirates-Citibank Ultimate Credit Card and be instantly rewarded. For more details, visit www.citiworldprivileges.com. |
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Bon Voyage Travel Services Bon Voyage Travel Services
Bon Voyage Travel Services brings you a range of unique benefits to choose from every time you purchase your air tickets with your Citibank Credit Card. The benefits are:
- 5% discount on your ticket value
- Convenience of free ticket delivery at your doorstep
- Payment in easy installments of upto 36 months
- Personal Travel Accident Insurance (subject to Terms and Conditions) of up to US $250,000 for Gold Cardmembers and US$150,000 for Silver Card members
- Travel Inconvenience Insurance covering the following:
a. Missed flight connection
b. Travel delay
c. Luggage delay expense
d. Luggage loss expense
For details, please call Bon Voyage Travel Services on +971 4 404 5959
Bon Voyage operating hours
- Saturday to Thursday - 8:00AM to 8:00PM
- Fridays and Public Holidays - 9:00AM to 12:00PM and 2:00PM to 5:00PM
- For emergency after operating hours, please call +971 50 552 3365
Services Available
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5% discount on your ticket value |
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Free delivery of tickets and other travel documents purchased with MMI Travel |
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Complimentary return airport transfers in Dubai up to 4th Interchange for all holiday packages booked with MMI Travel |
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15% off on all Gulf Ventures services and products all year-round |
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Reap Benefits Reap Benefits
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Convenience of Citi Credit Cards Convenience of Citi Credit Cards
Utility Bill Payment and Wasel Recharge Utility Bill Payment and Wasel Recharge
| Pay your Etisalat (telephone, mobile, fax and internet) and Dubai, Abu Dhabi, Sharjah and Al Ain electricity and water bills via CitiPhone or Citibank Online.
Payment through SMS
Payment of Etisalat Bills (landline, fax, GSM and dial up internet line) and Wasel Recharge is possible via sms.
For Registration
- Call +971 4 311 4000, press 1 for Arabic or 2 for English and then press 3 for Utility Bill Payment or Wasel Recharge
- Enter your Credit Card number followed by your TPIN
- Press 1 for Etisalat Payments which will automatically lead to SMS registration ( if not registered earlier) or Press 2 for Utility Bill Payments followed by 4 for SMS registration
- Enter your primary mobile number (This mobile will be used to send and receive SMS)
- You can then register up to 10 Etisalat Consumer Account Numbers that you would like to pay by SMS
For Payment
SMS your Etisalat Consumer Account number and amount to 2485
Example 1: 0508181818 30
Example 2: 046161616 250
For Enquiry
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SMS your Etisalat Consumer Account number to 2486
Example : 046161616 |
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Payment of Etisalat bills via SMS or CitiPhone will be processed immediately and Water and Electricity bills will be processed in 3 working days |
Payment through Citibank Online
All of the following utility bills can be paid through Citibank Credit Card by signing on to Citibank Online, at no extra cost.
- Etisalat (landline, fax, E-vision, Al Shamil and dial up internet line)
- DEWA (Dubai Electricity and Water Authority)
- SEWA (Sharjah Electricity and Water Authority)
- ADDC (Abu Dhabi Distribution Company)
- AADC (Al Ain Distribution Company)
For Payment
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Sign on to Citibank Online |
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Click on 'Transfers & Payments' |
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Click on 'Add Payee' to register your utility bill account details. You need to do this registration only once |
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Click on 'Utility Bill Payments' and make your payment |
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The payment towards your Etisalat, water-electricity bills will be processed in 3 working days |
Payment over the Phone
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Call +971 4 311 4000, press 1 for Arabic or 2 for English and then press 3 for Utility Bill payment or Wasel Recharge |
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Enter your Credit Card number followed by your TPIN |
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Payment of Etisalat bills via SMS or CitiPhone will be processed immediately and water and electricity bills will be processed in 3 working days |
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UAE Exchange Payment Locations UAE Exchange Payment Locations
| Visit any of the conveniently located UAE Exchange branches and make a cash payment towards your Citibank Credit Card balance. For UAE Exchange branch locations and timings, please call our 24-hour CitiPhone Banking Service on +971 4 311 4000 or click here. |
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Get More from Your Citibank Credit Card Get More from Your Citibank Credit Card
Easy Installment Plan Easy Installment Plan
| Enjoy the flexibility to convert your purchases on Citibank Credit Card to an Easy Installment Plan of up to 60 months. The Easy Installment Plan is available on retail transactions over AED 200. Get rewarded on each installment with Skywards Miles/Travel Pass Points/CitiDollars. So buy today, and pay later!
The tenors and interest rates are:
Tenor in Months |
3 |
6 |
9 |
12 |
18 |
24 |
36 |
48 |
60 |
Interest Rate Reducing Balance (Annum) |
20.58 |
23.28 |
24.20 |
24.57 |
24.72 |
24.59 |
24.09 |
23.51 |
22.96 |
To book your transactions into Easy Installment Plans, please click here or call CitiPhone Banking Services on
+9714 311 4000 or SMS ‘EIP’ to 2484 (CITI).
Calculate your installment:
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Loan on Phone Loan on Phone
| You have access to a hassle-free loan which requires no salary transfer and no income documents. You can convert a portion of the limit on your Citibank Credit Card to a loan which can be repaid over easy installments of up to 60 months and you earn rewards (Skywards Miles/Travel Pass Points/CitiDollars). To apply, please call our 24-hour CitiPhone Banking Service on +971 4 311 4653.
The tenors and interest rates are:
Tenor in Months |
3 |
6 |
9 |
12 |
18 |
24 |
36 |
48 |
60 |
Interest Rate Reducing Balance (Annum) |
20.58 |
23.28 |
24.20 |
23.53 |
23.70 |
23.59 |
23.13 |
23.51 |
22.96 |
Upon approval your loan amount will be deposited into your Citibank Current or Checking account. Alternatively, you can opt to get a Manager’s Check to be couriered to your billing address. To avail an instant Citibank cash loan, please click here or call CitiPhone Banking Services on +9714 311 4000 or SMS ‘LOP’ to 2484 (CITI).
Calculate your installment:
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InstaLoan InstaLoan
InstaLoan is an additional credit facility up to AED 28,000 above the existing spending limit on your Citibank Credit Card. It is extended in the form of a loan, which is paid back through monthly installments. It offers a hassle free solution to meet your financial needs with:
- Convenience of applying over the phone, through Citibank website and fax
- Easy payment terms
The tenors and interest rates are:
| Tenor in Months |
6 |
12 |
18 |
24 |
30 |
36 |
42 |
48 |
60 |
| Interest Rate Reducing Balance (Annum) |
27.0 |
27.0 |
26.0 |
26.0 |
25.5 |
25.5 |
25.0 |
25.0 |
25.0 |
To apply, please click here; OR
Call our 24-hour CitiPhone Banking Service on 04-311 4000 |
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Calculate your installment:
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- Cash Advance Facility
- Credit Line Increase
- 5 free supplementary cards - link to application form
- Bon Voyage Travel services
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- Flexible payment options - Link to EPP form
- Convenient Citibank ATM and UAE Exchange locations to pay your credit card bills
- ATM listings / UAE Exchange locations
- Pay your utility bills through sms or using Citibank Online or our 24 hours Citiphone
banking service
- World wide recognition
- 24 hour phone banking
- Internet banking - Citibank Online
- E-Statements
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- Stay informed through CitiAlerting Service
- Optional Insurance Plans such as Credit Shield Plus and Secure Wallet to protect against theft or accidental damage - Lead generation form
- Notification about any possible unauthorized transactions on your credit card
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Disclaimer
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