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Salary Transfer Loan
Transform your life with the Salary Transfer Loan

Salary Transfer Loans are available to UAE nationals and expatriate residents. In order to qualify, you must be currently working in a government or large private organisation and earn a minimum salary of AED 2000.

Loans for UAE Nationals
You can get a start-up loan on your first day in the job of upto AED 100,000
You are eligible for a loan of up to AED 250,000 on completion of six months in your job
Repayment can be stretched over a period of upto 60 months
Loans For Expatriates
You can get a start-up loan on your first day in the job of upto AED 60,000
You are eligible for a loan of upto AED 250,000 on completion of six months in your job
Repayment can be stretched over a period of upto 60 months
With a Salary Transfer Loan you can enjoy...
A salary account with no minimum balance requirement
Free international ATM/Debit card
Personalised check book
You easily access your account from any Citibank ATM in the UAE or abroad absolutely free of charge

Insurance Coverage:

Citibank requires your loan to be covered by life insurance, which will repay the outstanding balance of your loan in case of the borrower's death. This product features pre-approval and guaranteed issuance of cover provided by ALICO. There are no medical examinations required. This is a built in insurance feature to protect the loan outstanding amount in case of loss of life. Alternatively, if you have a life insurance policy, then you may provide the policy with beneficiary being Citibank and would not be charged for this life insurance offering.


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All Loans are subject to Citibank approval. Terms and Conditions apply, and are subject to change without prior notice, and are available upon request. For the current Terms & Conditions, please click here. Interest rate (maximum applicable rate is 21% per annum calculated on reducing balance) fees and charges apply and are subject to change without prior notice. Credit Plus is underwritten by Alico and is subject to policy terms and conditions. Credit Plus is not the obligation of Citibank or Citigroup or any of their affiliates or subsidiaries.