Citi Simplicity is built around simple: no annual fee, and no charges for late payment, cash advance, or over-limit events. Everyday value comes from occasional partner discounts and the ability to convert eligible purchases into installments where available.
Beyond offers, the Citi Mobile® App centralizes your experience—activation, security, and controls in one place—helping you monitor spending and manage payments responsibly. APR applies to revolving balances according to the bank’s Key Facts Statement.
About the bank: Citibank UAE
Citibank N.A. – UAE Branch is licensed and regulated by the Central Bank of the UAE and operates under UAE consumer protection standards. The bank provides product-level Key Facts Statements, schedules of charges, and terms to support transparent decision-making.
Citibank’s digital onboarding and paperless flows are designed to streamline applications while maintaining all regulatory checks and disclosures required locally.
How this card works
Citi Simplicity emphasizes clarity: you won’t pay an annual fee, late fee, cash advance fee, or over-limit fee, but finance charges (APR) may apply on outstanding balances in line with the Key Facts Statement. Partner offers—like Talabat monthly discounts—have fixed caps, codes, and usage limits.
Usage is managed through the Citi Mobile® App for activation, transaction controls, and installment options. Responsible repayment is essential; missing payments can affect your credit profile and access to future financing, as stated in Citibank’s disclosures.
Requirements to apply for this credit card
- Must be a UAE resident (age 21+)
- Minimum monthly income of AED 5,000
- Valid Emirates ID, passport, and UAE visa copy
- Salary account IBAN and passport number required during application
متطلبات التقديم للحصول على هذه البطاقة الائتمانية
- يجب أن يكون مقيماً في دولة الإمارات (بعمر 21 عامًا فأكثر)
- الحد الأدنى للدخل الشهري: 5,000 درهم
- بطاقة هوية إماراتية وجواز سفر وتأشيرة إقامة سارية
- رقم الآيبان لحساب الراتب ورقم جواز السفر مطلوبان أثناء التقديم
Card fees
- Annual fee: None (ever)
- Late fee: None
- Cash advance fee: None
- Over-limit fee: None
- APR: As per KFS (varies by profile)
رسوم البطاقة
- الرسوم السنوية: لا توجد
- رسوم التأخير: لا توجد
- رسوم السحب النقدي: لا توجد
- رسوم تجاوز الحد: لا توجد
- النسبة المئوية السنوية (APR): وفق بيان المعلومات الأساسية (تختلف حسب الملف)
Credit card apply online
- Access the Citibank UAE website
- Complete the online, paperless application
- Upload Emirates ID and required documents (passport, UAE visa; provide salary account IBAN)
- Wait for bank review and contact
Apply for Credit Card
You can apply online from your phone or computer. Approval is subject to Citibank’s eligibility and credit assessment. Review the KFS and terms carefully to understand APR, repayments, and partner-offer limitations before applying.
Disclaimer / إخلاء مسؤولية
This content is for informational purposes only and is not issued or endorsed by Citibank. 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. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.