The Citi Loan on Credit Card provides eligible cardholders in the UAE with access to cash against their existing credit card limit.
The borrowed amount is repaid over time with structured instalments, making it suitable for managing planned expenses.
Is Citibank a good bank?
Citibank operates internationally and is regulated in the UAE by the Central Bank of the UAE.
It provides a range of consumer banking services and publishes transparent Key Facts Statements to comply with local regulations, ensuring that customers understand product features and obligations before applying.
Main characteristics of Citi Loan on Credit Card
- Access up to 100% of approved Citi card limit
- Repayment tenure of up to 48 months
- APR from 15% per annum (illustrative Ready Credit example)
- Quick and digital application process
- No separate documentation required for existing cardholders
Disadvantages
- Loan amount limited to credit card limit
- Higher APR compared to some conventional personal loans
Here is advice for you
This loan is recommended for individuals who already hold a Citi credit card and want to access immediate funds for short-term needs.
However, those seeking larger financing amounts beyond card limits may consider alternative personal loan products.
Requirements to apply for this loan
- Minimum monthly income: AED 8,000
- Valid Emirates ID and UAE residence
- Existing Citibank credit card
- Age: 21 years or older
المتطلبات للتقديم على هذا القرض
- الحد الأدنى للراتب الشهري: 8,000 درهم إماراتي
- بطاقة هوية إماراتية وإقامة سارية المفعول
- بطاقة ائتمان سارية من سيتي بنك
- العمر: 21 سنة أو أكثر
How to apply for the loan
- Log in to Citi Online Banking or the Citi Mobile app
- Choose the Loan on Card option
- Select amount and repayment tenure
- Confirm request and receive funds in account
- Repay through monthly instalments as per schedule
Apply for your Loan
With Citi Loan on Credit Card, cardholders can instantly access funds when needed and manage repayments easily.
It is a digital, fast, and structured way to cover expenses without applying for a separate loan.
Disclaimer/إخلاء المسؤولية
This content is for informational purposes only and is not issued or endorsed by Citibank. All terms, APR, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط ولم يصدر أو يتم اعتماده من قبل سيتي بنك. جميع الشروط والنسب السنوية والرسوم قابلة للتغيير وتخضع لموافقة الجهات التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على المعلومات الأدق والأحدث.