Citi Ready Credit is presented as a credit card that enables cash loans within your approved credit limit, with the option to repay through an instalment schedule.
Once your credit limit is approved, you may be able to receive cash into a UAE bank account, and later book additional loans within available limit through Citi’s digital channels, subject to the bank’s process and terms.
About the bank Citibank
Citibank N.A. operates in the UAE as a branch of a foreign bank, and its UAE website provides access to information about accounts and financial services offered in the United Arab Emirates.
For product comparisons, the most reliable sources are the official Key Facts Statement, the bank’s published fees and charges schedule, and the applicable product terms—because offers and pricing can change.
How this card works
Citi Ready Credit is structured around booking a cash loan up to your available credit limit. The amount you request can be blocked from your credit limit, and each instalment payment can release a corresponding part of that blocked limit.
Instalments then appear in your card statement, and finance charges may apply depending on how you repay your statement balance.
Requirements to apply for this credit card
- Must be 21 years old or above
- Minimum monthly income of AED 8,000
- Valid Emirates ID
- Passport and valid UAE visa copy (where applicable)
- Salary account IBAN and passport number may be required during application
متطلبات التقديم للحصول على هذه البطاقة الائتمانية
- يجب أن يكون العمر 21 سنة أو أكثر
- الحد الأدنى للدخل الشهري: 8,000 درهم
- بطاقة هوية إماراتية سارية
- جواز سفر ونسخة من تأشيرة إقامة سارية في الإمارات (إن وجدت)
- قد يُطلب رقم الآيبان (IBAN) لحساب الراتب ورقم جواز السفر أثناء التقديم
Card fees
- Annual fee: Year 1 free; Year 2 AED 300 (waived if AED 9,000 spend is met). VAT may apply.
رسوم البطاقة
- الرسوم السنوية: مجانية في السنة الأولى؛ 300 درهم في السنة الثانية (تُعفى عند تحقيق إنفاق 9,000 درهم). قد تُطبق ضريبة القيمة المضافة.
Credit card apply online
- Access the official Citi UAE page for Citi Ready Credit
- Fill in the credit card application form (personal details, contact details, income details)
- Upload required documents (Emirates ID, passport, UAE visa copy if applicable)
- Wait for bank review and contact; approval and limit are subject to checks and internal policies
Apply for credit card
This card is mainly suited for applicants who want a credit line with structured cash-loan booking, and who can comfortably meet repayment obligations each month.
Before applying, it’s smart to review the fees schedule and the exact loan booking conditions (including the time window and applicability of promotional rates).
Disclaimer
This content is for informational purposes only and is not issued or endorsed by Citibank N.A. – UAE Branch. All terms, rates, 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 يتم إصداره أو اعتماده من قبل سيتي بنك (Citibank N.A. – فرع دولة الإمارات). تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.