Fees and Charges

Annual Membership is AED 3,000

Retail Interest Rate per month is 2.99%

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Your minimum income should be AED 37,000 per month


Earn Skywards Miles

  • 2.5 Skywards Miles per USD spend on tickets purchased at www.emirates.com
  • 1.5 Skywards Miles per USD of FX spend
  • 1 Skywards Mile per USD of local spend

Bonus Skywards Miles

Enjoy 25,000 sign-up Skywards Miles with your new Citi Card and receive 10,000 Skyward Miles on the yearly payment of the membership fee. The Skyward Miles will be credited to your card account 45 days after you have paid the fee.*

Skywards Miles statement

The Skywards Miles you will earn will be transferred to your Skywards account on a weekly basis and will reflect in your statement.

To track your activity and see your current miles balance please visit www.emirates.com.

Redeem Skywards Miles:

  • By purchasing a reward ticket or upgrading an existing booking from Economy to Business or from Business to First Class with Emirates.
  • At any of the Emirates partners in hospitality, car hire, lifestyle, retail or at the Emirates partner airlines.
  • On the Emirates High Street - a leisurely and rewarding shopping experience with a diverse selection of over 400 products to choose from.

To redeem your Skywards2 Miles contact Skywards at +971 600 555555 or simply login to your Skywards account at www.emirates.com

Miles earning and expiry

You can earn Skywards Miles for your retail spend up to the credit limit assigned on your Citi Card. You will earn 50% of the usual Skywards Miles on purchase categories like grocery stores, supermarkets and real estate as defined by Visa, MasterCard, or associated acquiring banks. Your Skyward Miles are valid for 3 years from the date each transaction was made.

For more details please visit www.emirates.com


Airport lounge access

Unlimited complimentary access for you, your supplementary cardmembers and a guest to 500+ airport lounges worldwide.

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Complimentary golf

Enjoy unlimited free golf during weekdays at some of the finest golf courses in the UAE.

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Travel insurance

You are entitled to complimentary Travel Accident Insurance cover, as well as compensation for inconvenience due to delayed or missed flights and luggage when your tickets are purchased with your Emirates-Citibank Credit Card.

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Supplementary cards

Get unlimited supplementary cards for your family members. You don’t have to pay any additional fee and can choose the spending limit on each card.

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Dining Privileges

Gourmet Pleasures from Citi is our mouthwatering dining program. Enjoy up to 20% discount at select restaurants. Browse through the whole selection now.

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Travel Privileges

Avail discounts on airline tickets and hotel stays through Expedia and Lastminute.com through the Citi Travel Privileges portal

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International concierge

To get assistance and plan your dinner reservations, airline or theater tickets and much more.
MasterCard cardmembers please call 800-0444-0844 (toll free) or 001-312-843-5359 (international number)
Visa cardmembers please call 800 0441 3487 (toll free) or +971 4 361 1234 (international number)


Automatic Account Alerts

To stay informed about your account activity, set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit and every purchase made with your card through the Citibank Alerting Service.

Monthly Bill Payment

If you hold an account with Citi, please visit www.citibank.ae and pay through Citibank Online; or make a deposit at a Citi ATM. We now accept payments even without your Citi Credit Card. Visit www.findmyciti.com/ae to see ATM locations.

For all services click here


Emirates-Citibank Credit Cards Terms and Conditions apply. For details, please click here
Skywards Miles earning terms and conditions, for details please click here
Citibank and Partners Terms and Conditions apply, are subject to change and are available upon request. For the current Citibank Terms and Conditions, please visit our Website www.citibank.ae
Citibank N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/other entity(ies).

Sign-up Skywards Miles will be awarded provided that the customer has activated the Credit Card within 60 days from the cards approval date and has paid the entire Annual Membership Fee of AED 3,000 and any amount which has been levied on the card by the first payment due date as determined by Citibank. Sign-up and Bonus Skywards Miles (25,000 sign-up and 10,000 yearly renewal Miles) will be credited to the card member’s Skywards account 45 business days after the full payment of the Annual Membership Fee of AED 3,000.

Sign-up and bonus Skywards Miles may be terminated at any time at Citibank’s sole discretion without prior notice. Find out more at www.citibank.ae