CITIBANK UAE

When wealth management is a partnership, goals become milestones

Everyday Finance

Our tireless service. Your effortless day-to-day banking.

Flexible Banking

Flexible Banking

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Premium Credit Cards

Premium Credit Cards

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Wealth Management

Our proven expertise. Your potential for prosperity.

Trusted Advisory

Trusted Advisory

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Investment Products & Platforms

Investment Products & Platforms

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Insurance

Insurance

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Benefits & Privileges

Our extensive offerings. Your exclusive lifestyle.

Superior Value & Quality

Superior Value & Quality

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The International Edge

Our innovative digital products. Your international financial control.

Global Benefits & Services

Global Benefits & Services

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Digital Banking

Digital Banking

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Branches & Financial Service Centers

Branches & Financial Service Centers

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Flexible Banking

Reach your goals with products that revolve around you.

Citigold clients enjoy world-class personal accounts, benefits and convenient banking options that enable flexible management of everyday finances.

DEBIT CARD

Your Citigold Debit Chip Card allows access to our servicing channels, as well as:

  • Instant cash at over 800,000 ATMs worldwide
  • Accepted for payments at over 12 million outlets
  • Daily withdrawal limit of up to AED 20,000

CURRENT ACCOUNTS

Banking accounts in either UAE Dirhams or a selection of foreign currencies:*

  • (USD)
  • (GBP)
  • (EUR)
  • (AUD)
  • (CAD)
  • (JPY)
  • (CHF)
  • (NZD)

FUNDS TRANSFER

Use our online banking platform to transfer local and foreign currencies and avail the following benefits:

  • Competitive Foreign Exchange Rates and Fund Transfer Fees
  • Free same-currency transfers between Citibank accounts globally
  • View live foreign-exchange rates
  • Straight through processing
  • Convenience 24 hours a day
  • 'One Time Password' security

SAVINGS ACCOUNTS

Earn interest with savings accounts, available in the following currencies:

  • (UAE)
  • (USD)
  • (GBP)
  • (EUR)
  • (AUD)
  • (CAD)
  • (JPY)
  • (CHF)
  • (NZD)

TIME DEPOSITS

Grow your money by earning interest on it for a fixed term with Citi. Tenures range from 30 days to 1 year and are available in:

  • (UAE)
  • (USD)
  • (GBP)
  • (AUD)
  • (CAD)

* UAE residents only, ** Transaction limits apply.
Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Terms and Conditions

* UAE residents only, ** Transaction limits apply.
Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Premium Credit Cards

Reach your goals with our most rewarding Credit Cards.

For Citigold clients, we offer Citi Prestige and Emirates-Citibank Ultima.

EMIRATES-CITIBANK ULTIMA CREDIT CARD

Travel around the world with a wide selection of premium benefits and privileges:

  • 25,000 sign-up Skywards Miles* when you apply for the card and 10,000 Bonus Skywards Miles* on the annual renewal of the card
  • 2.5 Skywards Miles per USD spent on tickets purchased on www.emirates.com
  • 1.5 Skywards Miles per USD spent internationally
  • 1 Skywards Mile per USD spent domestically
  • Complimentary Skywards Silver membership to primary cardmembers
  • Unlimited free access to 650+ airport lounges globally for basic & supplementary card members (plus one guest each)
  • Unlimited free golf during weekdays for primary and supplementary Cardmembers and 1 free round of golf per month at any time during the week (including weekends) for the primary cardmembers

* Sign-up Skywards Miles will be awarded provided that the customer has activated the Credit Card within 60 days from the card's approval date and has paid the entire Annual Membership Fee of AED 3,000 and any amount that 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

CITI PRESTIGE CREDIT CARD

Allows more flexibility and less complexity in your travels:

  • Earn up to 3 Citi Rewards Points for every USD spent locally and internationally.
  • Exceptional Citi Prestige Concierge services will assist you wherever your travels take you and whenever you need them
  • Unlimited complimentary 4th night for any hotel stay worldwide
  • Unlimited complimentary access at over 500 global airport lounges for the primary and supplementary cardholder plus one guest each
  • Complimentary green fees at over 2,400 golf courses around the world, and much more

Both cards guarantee maximum security with modern features, including microchips, card monitoring through the Citi Alerting Service and Fraud Alerts, and one-time, test-message codes sent for online transactions.

Emirates-Citibank Credit Cards and Citi PremierMiles Program Terms and Conditions apply. Skywards Miles earning Terms and Conditions apply. For the current Terms and Conditions, visit our website www.citibank.ae. Products/Services mentioned may have fees and charges associated with them, are subject to change and are available upon request. For the current Schedule of Charges, visit our website www.citibank.ae.

Partner Terms and Conditions apply. The benefits and services detailed in this leaflet are subject to the Terms and Conditions of each benefit, product and/or service. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners. At its sole discretion, Citibank, N.A. may discontinue or impose charges for these benefits and services or modify the applicable Terms and Conditions. For the updated list of offers, benefits and services, please visit www.citibank.ae/cards.

Terms and Conditions

Emirates-Citibank Credit Cards and Citi PremierMiles Program Terms and Conditions apply. Skywards Miles earning Terms and Conditions apply. For the current Terms and Conditions, visit our website www.citibank.ae. Products/Services mentioned may have fees and charges associated with them, are subject to change and are available upon request. For the current Schedule of Charges, visit our website www.citibank.ae.

Partner Terms and Conditions apply. The benefits and services detailed in this leaflet are subject to the Terms and Conditions of each benefit, product and/or service. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners. At its sole discretion, Citibank, N.A. may discontinue or impose charges for these benefits and services or modify the applicable Terms and Conditions. For the updated list of offers, benefits and services, please visit www.citibank.ae/cards.

Mortgage Solutions

Reach your goals with facilitated home financing.

An innovative financial solution that ensures complete peace of mind, whether you plan to step into a home of your own or to refinance your existing home loan balance.

MORTGAGE SOLUTIONS

Our Citigold customers enjoy low interest rates starting from 3.25% p.a. (linked to EIBOR).

Key Features

  • Finance available for new purchases, re-sale and balance transfers
  • Finance up to 75% of the property value
  • Loan amount up to AED 18.5 million or 7 years' annual income (whichever is lower)
  • Repayment period up to 25 years

Applicable for completed residential UAE properties only.

Key Benefits

  • Fully transparent interest rates pegged to EIBOR for full term of mortgage
  • Quick and easy processing
  • Overpayment of up to 25% of loan outstanding in an annual year with no charges
  • Free Property Insurance for the full term of the mortgage*

*Property Insurance is free only if the insurance is purchased through Citi. The provider of the Citibank Mortgage property insurance product is American Insurance Group. Citibank N.A. is only the distributor of the insurance product. Insurance products are subject to exclusions and limitations; special Terms and Conditions apply. You have the option to purchase insurance through a provider other than Citi.

Only Citigold/Citigold Private Clients (CPC), maintaining the minimum monthly average balance requirement for the respective client category (100,000 USD for Citigold and 1,000,000 for Citigold Private Client), would be eligible for a Mortgage Loan from Citibank. Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you through your contact details, including your telephone/mobile number.

Terms and Conditions

Only Citigold/Citigold Private Clients (CPC), maintaining the minimum monthly average balance requirement for the respective client category (100,000 USD for Citigold and 1,000,000 for Citigold Private Client), would be eligible for a Mortgage Loan from Citibank. Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you through your contact details, including your telephone/mobile number.

Trusted Advisory

Reach your goals with our expertise and your business acumen.

At Citi, we believe personal conversations are the best way to get to know your clients and understand how we can support them in achieving their ambitions. That is why our Relationship Manager will take the time to understand your personal situation, financial objectives, and the level of risk you feel comfortable taking to achieve them.

CITI'S 4-STEP INVESTMENT PROCESS

With the help of Citi's 4-step advisory process, we can develop well-founded solutions to define and implement your personal investment strategy.

CITI'S 4-STEP INVESTMENT PROCESS

Throughout the entire process, your dedicated Relationship Manager is supported by a team of Investment Specialists to provide you with the highest quality advice.

STEP 1 - UNDERSTAND

As a Citigold client, you are assigned your own Relationship Manager, whose role is to help you get the most out of your Citigold Relationship. All Citigold Relationship Managers have been handpicked for their investment knowledge and their dedication.

Your Relationship Manager will work with you to create a bespoke portfolio strategy, tailored to your unique circumstances, by assisting you in:

  • Setting your Goals
    Determining the accessible cash and savings required for future expenses—considering children's education, investments, retirement, or personal ambitions.
  • Defining your goals
    Developing an investment strategy to achieve your short, medium and long-term goals that should be the basis on which any financial decisions are made.
  • Defining your risk profile
    Guiding you in establishing your risk profile based on a number of criteria, which will influence your potential returns, as well as the protection of your capital.

STEP 2 - STRATEGIZE

The success of your investment portfolio begins with a selection of sound and well-diversified investments. In order to achieve this, we provide you with a variety of tools and resources to make the most informed decisions.

You will have access to Citi's global investment expertise through our regular market updates and research reports. Your Relationship Manager will also have the support of a team of Investment Specialists to provide comprehensive advice on portfolio management.

Additionally, your Relationship Manager will have the option to tailor asset allocation to your specific needs and investor profile, based on one of the five Citi Model Portfolios. These can also be used as the reference point for periodic evaluations of your investment portfolio.

Citi's Model Portfolios are specifically developed by our investment research teams to provide you with:

  • A well-diversified portfolio, with an asset composition that is suitable for your financial objectives and risk profile
  • Asset allocations, which are regularly monitored and, if necessary, revised by Citi's Global Investment Committee to reflect market developments and Citi's house view
  • Access to high-quality research, developed and published by Citi's global team of analysts located in all major financial centers around the world

Citi Model Portfolios:

  • Money Markets
  • Fixed Income
  • Equity
  • Global REIT's

STEP 3 - IMPLEMENT

At Citi, we offer a wide range of investment products from some of the world's leading asset managers. A team of analysts reviews and selects products from different providers across the globe to offer you a choice of high-quality investment solutions.

STEP 4 - REVIEW

Over time, it is inevitable that both your personal circumstances and market conditions will change. This is why your Relationship Manager will conduct regular portfolio reviews to assess the performance of your investments and help ensure your plans remain firmly on track.

Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Terms and Conditions

Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Investment Products & Platforms

Reach your goals with numerous ways to invest.

Once you have defined your investment strategy, it's success begins with a sound and well-diversified portfolio of investment products. If you wish to take a more hands-on approach to managing your wealth, our online investment platform provides you with instant access to equities, bonds, mutual funds and ETFs. We also provide unique products like FX Order Watch, so you are always within reach of your goals.

BROKERAGE SERVICES

Citibank's E-brokerage platform brings you instant access to financial markets across the globe.

International Exchanges supported by this platform are:

  • Canada (Toronto Stock Exchange, Venture)
  • France (Euronext Paris Stock Exchange)
  • Germany (Xetra)
  • Japan (Tokyo Stock Exchange)
  • Switzerland (Swiss Stock Exchange, Virt-X)
  • United Kingdom (London Stock Exchange)
  • United States (NASDAQ, NYSE, AMEX, NYSE ARCA)

MUTUAL FUNDS

Mutual Funds are professionally managed investment vehicles that pool capital from many investors to invest in multiple stocks, bonds and other securities. Benefits of mutual funds include diversification and professional money management, while offering choice, liquidity and convenience.

To meet your investment needs in various life stages and market conditions, we provide you with different ways to invest in Mutual Funds:

  • Lump sum investments
  • Systematic Investment Plans (SIP)

FIXED INCOME SECURITIES

Enjoy a wide selection of bonds issued by reputable organizations worldwide with tenures and currency denominations to suit your investment objectives. Fixed Income securities are ideal for investors who want a regular income and an opportunity for capital appreciation.

STRUCTURED PRODUCTS

We offer a wide selection of structured products, connected with the performance of the underlying stocks, stock market indexes, mutual funds, commodities, or FX.

Every month, our offer will include new proposals for structured notes issued by renowned financial institutions, as well as Certificates of Deposits available under subscription. In addition, you can choose to invest your funds in various currencies under the available Dual Currency Investments.

PREMIUM ACCOUNTS

Premium Accounts are short-term, currency-related investment accounts that provide you with an exciting opportunity to earn potentially higher interest rates as compared to a conventional Time Deposit.

The product is offered across the following currencies:

  • (USD)
  • (EUR)
  • (GBP)
  • (JPY)
  • (CHF)
  • (CAD)
  • (AUD)
  • (NZD)

FX ORDER WATCH

Our new FX Order Watch service keeps a constant check on the currency markets. You can set your own preferred exchange rate between two currencies—for example US Dollars and Euro.

Through Citibank Online, you can select the rate at which you want to trade, and the term over which you want the exchange to happen.

Then place different orders (Simple Buy/Sell Order or One-Cancels-Other Order), in your desired currency:

  • (EUR)
  • (USD)
  • (GBP)
  • (AUD)
  • (JPY)
  • (CAD)
  • (NZD)
  • (CHF)
  • (UAE)

This is a non-advised product. Citibank, N.A. UAE does not offer any recommendation for specific transaction with currency pairs, tenures and exchange rates. Detailed FX Order Watch Terms and Conditions are available on www.citibank.ae and also on the FX Order Watch page in Citibank Online.

INTERNATIONAL PERSONAL BANK

Managing your wealth offshore across different markets allows you to diversify risk, access new investment opportunities and hold accounts in different currencies. It gives you freedom to live and work where you want, while accessing a wide range of sophisticated investment products, many of which may not be available where you currently live.

Your investment strategy will be handled through Booking Centers in London, Jersey or Singapore. Whichever one you choose, you can be sure that your assets are being managed though one of the world's most stable and secure financial centers.

  • London is widely considered the world's number one financial market and attracts some of the best talent in the world
  • Jersey is well established as a leading offshore financial center and has long been a key base for offshore banking and private wealth management
  • Singapore has a stable political environment, robust banking infrastructure and regulations, and global outlook

These booking centers may also offer you a time-zone advantage over your country of residence and support in multiple languages.

Investments in London, Jersey and Singapore are tightly regulated by the Financial Conduct Authority, Jersey Financial Services Commission and the Monetary Authority of Singapore, respectively.

Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Those investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange-rate fluctuations that may cause loss of principal when foreign currency is converted to the investor's home currency. Investment and treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and treasury products. The Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If the Customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. The Customer understands that Citibank does not provide legal and/or tax advice and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.

Terms and Conditions

Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Those investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange-rate fluctuations that may cause loss of principal when foreign currency is converted to the investor's home currency. Investment and treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and treasury products. The Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If the Customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. The Customer understands that Citibank does not provide legal and/or tax advice and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.

Insurance

Reach your goals with complete peace of mind.

Have you considered who depends on you today, whether for financial support or your professional expertise? The chances are that there are more people than you realize. Your income may support a household, covering the mortgage, education costs and many other expenses. You may play a vital role in raising your children and managing the family home. You may be a sole trader, partner or controlling shareholder in a business.

Citibank Insurance Product Suites help our clients guard against various uncertainties, which may arise in their day-to-day lives. We offer:

PURE LIFE INSURANCE

A Pure Term Life product that offers the easiest and most cost-effective way of providing future financial security for your dependents through life cover, with an option to apply for critical illness and permanent total disability cover.

WHOLE OF LIFE PROTECTION PLANS

An Offshore Whole of Life insurance plan that offers life cover and an option to apply for critical illness and permanent total disability cover, with plan benefits extending up to the age of 95.

SAVINGS PLANS

Investment platforms to structure Savings Plans, Child Education Corpus and Retirement Planning by diversifying across mutual fund portfolios that match your risk appetite.

MOTOR INSURANCE

Motor insurance plays a pivotal role in protecting you, your passengers and your vehicle.

TRAVEL INSURANCE

Insurance against expenses and inconvenience caused by emergency medical conditions, delayed flights, hotel cancellation and baggage delays.

HOME INSURANCE

Home security from any possible adverse eventuality whether you are a house owner, tenant or landlord.

CREDIT PROTECTION

Lifestyle Protection that helps clients provision against Credit Card liabilities in case of death, critical illness and ILOE (Involuntary Loss Of Employment) and offers you other financial benefits for personal use.

Insurance products are subject to exclusions, special Terms and Conditions and medical underwriting requirements (as applicable), which are contained in the policy document. All insurance products are optional and underwritten by Insurers, subject to the Terms and Conditions of each Policy. Citibank N.A. does not underwrite or issue insurance policies. Citibank N.A. is not responsible for rejection of any application and/or claim made to the Insurer. Citibank N.A. provides customer support by way of receiving payments from the customer and forwarding them to the Insurer, in addition to making such insurance products available to the customers. Policies can be cancelled at any time. If cancelled within 30 days of enrollment, customers will be entitled to a refund of premium collected within that period as per the Terms and Conditions of the plan, however, transfer charges may still apply. Unlessspecified, investment and insurance products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment, investment-linked insurance and treasury products are not insured by government or governmental agencies.

Investment, investments-linked insurance and treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Those investing in investments, investment-linked insurance and/or treasury products denominated in foreign (non-local) currency, should be aware of the risk of exchange-rate fluctuations that may cause loss of principal when foreign currency is converted to the investor's home currency. Investments, investment-linked insurance and treasury products are not available to U.S. persons. All applications for investments, insurance, investment-linked insurance and treasury products are subject to the Terms and Conditions of the individual insurance, investments, investment-linked insurance and treasury products. It is the customer's responsibility to seek independent legal and/or tax advice regarding the legal and tax consequences of his/her investments, insurance and investment-linked insurance transactions and decisions. If the customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her insurance, investment-linked insurance and/or investments are affected by such change and comply with all applicable laws and regulations, as and when such becomes applicable. The customer understands that Citibank does not provide legal and/or tax advice and is not responsible for advising him/her on the laws pertaining to his/her insurance, investments or Investment-linked insurance. In addition to the Terms and Conditions of the aforementioned products, Citibank Terms and Conditions apply, are subject to change and can be found at www.citibank.ae. Please call our 24-Hour CitiPhone Banking Service on +971 4 3114 000 should you have any queries or complaints.

Terms and Conditions

Insurance products are subject to exclusions, special Terms and Conditions and medical underwriting requirements (as applicable), which are contained in the policy document. All insurance products are optional and underwritten by Insurers, subject to the Terms and Conditions of each Policy. Citibank N.A. does not underwrite or issue insurance policies. Citibank N.A. is not responsible for rejection of any application and/or claim made to the Insurer. Citibank N.A. provides customer support by way of receiving payments from the customer and forwarding them to the Insurer, in addition to making such insurance products available to the customers. Policies can be cancelled at any time. If cancelled within 30 days of enrollment, customers will be entitled to a refund of premium collected within that period as per the Terms and Conditions of the plan, however, transfer charges may still apply. Unlessspecified, investment and insurance products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment, investment-linked insurance and treasury products are not insured by government or governmental agencies.

Investment, investments-linked insurance and treasury products are subject to investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Those investing in investments, investment-linked insurance and/or treasury products denominated in foreign (non-local) currency, should be aware of the risk of exchange-rate fluctuations that may cause loss of principal when foreign currency is converted to the investor's home currency. Investments, investment-linked insurance and treasury products are not available to U.S. persons. All applications for investments, insurance, investment-linked insurance and treasury products are subject to the Terms and Conditions of the individual insurance, investments, investment-linked insurance and treasury products. It is the customer's responsibility to seek independent legal and/or tax advice regarding the legal and tax consequences of his/her investments, insurance and investment-linked insurance transactions and decisions. If the customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her insurance, investment-linked insurance and/or investments are affected by such change and comply with all applicable laws and regulations, as and when such becomes applicable. The customer understands that Citibank does not provide legal and/or tax advice and is not responsible for advising him/her on the laws pertaining to his/her insurance, investments or Investment-linked insurance. In addition to the Terms and Conditions of the aforementioned products, Citibank Terms and Conditions apply, are subject to change and can be found at www.citibank.ae. Please call our 24-Hour CitiPhone Banking Service on +971 4 3114 000 should you have any queries or complaints.

Superior Value & Quality

Reach your goals by maximizing your lifestyle.

As a Citigold customer, you are entitled to a range of benefits and privileges that reach beyond the world of banking. Enhance your experiences across travel, dining, sports and exclusive Citigold events.

TRAVEL & LEISURE

With Citigold, you and your family can look forward to a host of unique travel experiences—from action-packed adventures to opulent urban pleasures at special rates, rewarding your mind, body and heart.

  • Free Marhaba Services at Dubai International Airport for immediate family members (spouse, children, parents, siblings) twice a year
  • Private Chauffer service is a luxury service that helps to make your travel within the UAE a smooth and flawless experience. Avail 2 complimentary pick-up and/or drop-off facilities per year from select locations within the UAE in a hired car or in your own
  • Various hotel and accommodation discounts

FREE GOLF

As part of our continuous efforts to offer exclusive privileges and benefits to our VIP clients, we offer you complimentary golf at three of the most prestigious golf clubs in the U.A.E:

  • The Montgomerie, Dubai
  • Al Badia Golf Course, Dubai
  • Yas Links Golf Club, Abu Dhabi

Additionally, you are entitled to discounts at the pro shops and your guests will be offered the best-available discount rate.

MEMBER-GET-MEMBER

Earn fabulous rewards by referring your friends to begin a Citigold relationship with us. Simply complete the Member-Get-Member Referral Form and hand it over to your Relationship Manager.

Upon approval, you'll receive one of the following gifts from Citibank:

  • Prestigious Writing Instrument
  • Premium Wallet

Terms and Conditions

Golf:

  • If an accompanying guest is not an eligible Citibank Credit Cardmember or Citigold customer, a bestavailable rate will be offered to be paid at the golf course on the date of play, using your Citibank Credit Card. No compulsory paying guest is required
  • Date and time of play are subject to availability. Confirmed tee time of play may be ± 1 hour of the preferred tee time
  • Advance reservation is requested between 7 to 15 days prior to the date of play
  • Customer to pay cart fee, caddie fee, insurance and locker fee at normal published rates at the club where applicable using a Citibank Credit Card
  • Golfers must have a valid handicap. Minimum handicap requirement is 28 for men and 36 for ladies
  • There will be no rain check
  • The Citibank U.A.E. golf program is not to be regarded as a golf club membership
  • A club member cannot make a booking directly at the club and transfer the confirmed tee time over to the basic Credit Card member
  • To the fullest extent permissible by law, each participating Citigold customer releases Citibank/the respective golf clubs from any claim, loss, damage, cost or expenses (including any claim for legal expenses) sustained or incurred by him/her in connection with their participation in the Citibank UAE golf program
  • Citibank Terms and Conditions apply and are subject to change without prior notice. They are available upon request and on our website. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. 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)

Travel & Leisure:

  • Marhaba Services: A total of 3 passengers traveling with you can avail the free service (1 adult and 2 children)
  • For every extra passenger traveling with you, you will be required to pay AED 30. To avail the lounge facility, you will be required to pay AED 60 per person
  • Private Chauffeur: Citigold customers can avail 2 complimentary services per year and Citigold Private Client customers can avail 5 complimentary services per year
  • Citibank Terms and Conditions apply, are subject to change and are available upon request
  • Customers should book the service with a lead-time of 48 hours
  • The client will be charged a flat fee of AED 80 for an additional waiting period in excess of 30 minutes, irrespective of the destination
  • All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by the partner(s)/other entity(ies)

Terms and Conditions

Golf:

  • If an accompanying guest is not an eligible Citibank Credit Cardmember or Citigold customer, a bestavailable rate will be offered to be paid at the golf course on the date of play, using your Citibank Credit Card. No compulsory paying guest is required
  • Date and time of play are subject to availability. Confirmed tee time of play may be ± 1 hour of the preferred tee time
  • Advance reservation is requested between 7 to 15 days prior to the date of play
  • Customer to pay cart fee, caddie fee, insurance and locker fee at normal published rates at the club where applicable using a Citibank Credit Card
  • Golfers must have a valid handicap. Minimum handicap requirement is 28 for men and 36 for ladies
  • There will be no rain check
  • The Citibank U.A.E. golf program is not to be regarded as a golf club membership
  • A club member cannot make a booking directly at the club and transfer the confirmed tee time over to the basic Credit Card member
  • To the fullest extent permissible by law, each participating Citigold customer releases Citibank/the respective golf clubs from any claim, loss, damage, cost or expenses (including any claim for legal expenses) sustained or incurred by him/her in connection with their participation in the Citibank UAE golf program
  • Citibank Terms and Conditions apply and are subject to change without prior notice. They are available upon request and on our website. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. 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)

Travel & Leisure:

  • Marhaba Services: A total of 3 passengers traveling with you can avail the free service (1 adult and 2 children)
  • For every extra passenger traveling with you, you will be required to pay AED 30. To avail the lounge facility, you will be required to pay AED 60 per person
  • Private Chauffeur: Citigold customers can avail 2 complimentary services per year and Citigold Private Client customers can avail 5 complimentary services per year
  • Citibank Terms and Conditions apply, are subject to change and are available upon request
  • Customers should book the service with a lead-time of 48 hours
  • The client will be charged a flat fee of AED 80 for an additional waiting period in excess of 30 minutes, irrespective of the destination
  • All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by the partner(s)/other entity(ies)

Global Benefits & Services

Global Benefits & Services

Reach your goals with exclusive services and solutions from any location in the world:

  • Complimentary access to select Citigold centers around the globe
  • Global View of Accounts to link and view all your foreign Citibank accounts in a single portal
  • Citi Global Transfers that allow instant money transfers between Citi accounts, free of charge
  • When traveling, link your card to a foreign currency account free of charge to save money on currency conversion
  • Access up to USD 10,000 of cash in emergency situations
  • Account and card monitoring through our Citi Alerting Service and Fraud Alerts ensures you are on top of your account movements at all times

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Terms and Conditions

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Digital Banking

Reach your goals by being in control anytime, anywhere.

As part of our commitment to creating remarkable experiences, we are continuously enhancing our digital banking platform. Now through Citibank Online and Citi Mobile, banking is available where and when you need it most.

CITIBANK ONLINE

Citibank Online provides advanced features to help meet your financial goals, while helping you maintain simplicity and control in your daily life.

Everyday Self-Service Banking

  • Utility Bill Payments (DEWA, Etisalat, Du and Salik)
  • Competitive funds transfer fees and live FX rates
  • Book Time Deposit
  • Cheque book requests
  • Contact detail updates
  • Secure messaging service for your enquiries

Investments

  • Online investments platform for stocks, bonds, mutual funds and ETFs
  • FX Order Watch
  • Premium Accounts

Cards

  • Activate Debit and Credit Cards
  • Apply for Credit Card upgrades or credit-limit increases
  • Book Easy Installment Plans
  • Redeem rewards points

Log on to Citibank Online at online.citibank.ae

CITI MOBILE

Citi Mobile is a simple and secure way to do banking while on the go.

Some of the key features of Citi Mobile include:

  • View account summary and transaction details
  • Utility bill payments
  • Live FX rates
  • Book Time Deposit
  • Local funds transfer
  • 'Find My Citi' to locate your nearest ATM or financial center
  • Citi World Privileges and UAE Privileges to find the best deals with your Citi card

The Citi Mobile app is available from Apple iTunes and Google Playstore. Alternatively you can access Citi Mobile though mobile.citibank.ae

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Terms and Conditions

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Branches & Financial Service Centers

BRANCHES

Dubai

Abu Dhabi

  • Prestige Tower #17
  • Near Mazyad Mall
  • Mohammed Bin Zayed City
  • Mussafah
  • +971 2 596 7602
  • +971 2 596 7602
  • Al Khyeli Building
  • Corner of Al Falah
  • and Najda Streets
  • +971 2 502 4018
  • +971 2 502 4018

Sharjah

FINANCIAL CENTERS

Dubai


  • Ibn Battuta Mall
  • China Court, Jebel Ali Village
  • +971 4 882 8052
  • +971 4 882 8052
  • Jebel Ali Limitless
  • The Galleries, Building No CMO 2
  • Unit 2.3, Jebel Ali
  • +971 4 885 5306
  • +971 4 885 5306

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.

Terms and Conditions

Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A.