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Once your friend's card or loan is issued, you will receive AED 300 to your card account*. Please note that your friend cannot hold an existing Citi Credit Card or Personal Loan.

Please note that if you are a US citizen or US green card holder, to be eligible to receive the reward, you also need to spend AED 300 within 30 days from the date of your friend's online application*.

How it works

  • Create a unique referral link using our tool below.

    Create a unique referral link using our tool below .

  • Share the link with your friend.

    Share the link with your friend.

  • Your friend clicks on the link and submits his details

    Your friend clicks on the link and submits his/her details

  • We contact your friend and help him process his credit card application.

    We contact your friend and help him/her process their credit card or loan application

  • Your friend's application is successfully processed.

    Your friend's application is successfully approved.

  • You are rewarded with AED 300 statement credit.

    You get rewarded with AED 300 statement credit within 30 business days from the approval date of your friend's credit card or loan application

Start Referring

Select a product to refer your friend for

Step 1

Select a product to refer your friend for.
Enter your complete credit card number

Step 2

Enter your mobile phone number that is registered with Citibank
GENERATE UNIQUE LINK

Step 3

Copy your unique link by clicking the "copy link" button and include it in the message to your friends. You can use the following share options or send it via any other communication service you use

Share your unique link with your friends and earn cash back.