Citibank Free for Life Credit Cards
- Airport Lounge
- Shopping Benefits
- Fuel benefits
- Movie Discounts
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Best credit cards with 0 Annual fee*
- Cashback up to AED 2,000
- Rewards + Welcome Offers
- No Annual Fee
- Travel benefits
- Dining Discounts
- Entertainment Benefits
Ever since its inception in 1964, Citibank is known for offering excellent and innovative banking products at par with international standards in the UAE. The bank opened its first branch in Dubai and subsequently expanded its operations in Abu Dhabi in 1971. Today, the bank has a network of four branches, one smart centre, three Citigold lounges, and 39 ATMs across the UAE. Citibank is a major provider of customer credit services including personal loans. It offers a variety of credit cards with impeccable benefits and privileges.
To reach the general public, the bank offers Citibank free for life credit cards with affordable salary requirements and an easy application process. In addition, the cardholder earns rewards, cashback, and other benefits on every transaction without having to pay any annual charges.
Best CitiBank Free for Life Credit Cards in UAE
Currently, Citibank offers two credit cards with no annual charges. The cards offer various privileges ranging from lifestyle, travel, entertainment to dining and shopping benefits. Following are the Citibank credit cards with no annual fee along with their key features and benefits.
Citi Cashback Credit Card
Citibank Citi Cashback Credit Card
-
Minimum Salary AED 8,000
-
Annual Fee AED 0
- Travel Insurance
- Airport Lounge Access
- Purchase Protection & Extended Warranty
- Dining Benefit
Features & Benefits of Citi cashback credit card
- No annual fee for 1st year. From the 2nd year, the card is free subject to minimum spending requirements.
- Automatic cashback on all purchases.
- Earn 3 percent cashback on all non-AED spending.
- Earn 2 percent cash back on supermarket and grocery spending.
- Guaranteed 1 percent cashback on all other spendings through the cashback credit card.
- No minimum spend limit.
- Free access to over 1000 premium airport lounges worldwide.
- Easy installment plans.
- Instant cash loans.
Citi Simplicity Credit Card
Citibank Citi Simplicity Credit Card
-
Minimum Salary AED 5,000
-
Annual Fee Free For Life
- Travel Insurance
- Airport Lounge Access
- Purchase Protection & Extended Warranty
- Dining Benefit
- Free for life
Features & Benefits of Citi Simplicity Credit Card
- No annual charges and extra fees whatsoever.
- No late payment fee.
- No cash advance charges.
- No over-limit fee.
- Free supplementary cards for family members.
- Get 50% off on food delivery or on total dining bills at over 500 outlets with 50 free VoucherSkout worth AED 250.
- Easy installment plans.
- Instant cash loans.
- Access to Citi World Privileges.
Features of CitiBank Free for Life Credit Cards
Citibank offers exclusive features on credit cards. With no annual fee and low salary requirements, it serves as one of the most affordable credit cards in the UAE . Following are the important features of Citibank credit cards with no annual charges.
- No Membership Charges - Citibank credit cards do not have any annual membership charges. In addition, the Simplicity Credit Card does not include an annual fee, over-limit fee, or cash advance charges, making it one of the most desirable credit cards.
- Low Salary Requirements - Citibank no annual fee credit cards also have low minimum salary criteria. An individual with a salary of AED 5,000 and above can apply for a credit card.
- Rewards and Cashback Programs - Citibank cardholders get access to various rewards and cashback offers on each expenditure in UAE. They can redeem the reward points to claim discounts on numerous lifestyle, entertainment, and shopping expenses.
- Complimentary Airport Lounge Access - The no annual charge Citibank credit cards also offer free access to over 1000 airport lounges worldwide.
- Complete Credit Card Control - Activate your credit card, set limit expenses, and secure your transactions with the Citi Mobile app.
Benefits of Citibank Free for Life Credit Cards
With Citibank credit cards, the cardholders get access to exciting benefits including travel rewards, dining discounts, entertainment offers, and much more. Following are the benefits of no annual fee Citibank credit cards.
- Citi Simplicity Credit Cards do not levy annual membership fees, late fees or cash advance charges, making it completely free and affordable.
- The bank offers 0% interest on balance transfers for up to 6 months.
- It offers access to Citi World Privileges that includes local discounts on dining, online shopping and entertainment.
- Quick application, automatic cashback and reward on all purchases.
- The Citibank credit card offers instant cash at a click of a button with no cash advance charges.
List of Citibank Free for Life Credit Card with Salary Requirement in UAE
|
Citibank Credit Card Type |
Salary Requirement |
|---|---|
|
Citi Cashback Credit Card |
|
|
Citi Simplicity Credit Card |
|
Eligibility Criteria for Citibank Free for Life Credit Cards
The eligibility criteria depend on the credit card type. Given below are the general eligibility criteria for Citibank free for life credit cards.
- The applicant must be a minimum of 21 years.
- Must satisfy the salary requirements depending on the card type.
- Must produce all the required documents like Emirates ID, Passport, UAE visa, etc.
Documents Required to Apply for Citibank Credit Cards with No Annual Fee
An individual applying for a Citibank credit card needs to furnish certain documents as identity and address proof. Following are the documents required during the application process.
- A valid Emirates ID and its copy for UAE nationals and residents.
- An original passport and its copy with UAE visa and address details for expats.
- Salary account IBAN number and Passport number.
How to Apply for Citibank Free for Life Credit Cards?
Citibank offers an easy and paperless application process via online channels. Individuals can also visit the local bank branch to apply for a credit card.
- Online Application - Individuals need to visit Citibank’s official website, fill in the application form and upload the required documents. Once the card is available, they need to activate the card using Citi Mobile app.
- Offline Application - Customers can also visit the nearest branch of Citibank with prerequisite documents to apply for a credit card.
Charges & Fees on Citibank No Annual Fee Credit Card
Following is the schedule of charges and fees on Citibank credit card with no annual charges.
| Citibank Credit Card Facility | Fees and Charges |
|---|---|
|
Retail Interest Rate per month |
3.5% for Simplicity Credit Card 3.25% for Cashback Credit Card |
|
Cash Interest Rate per month |
3.5% for Simplicity Credit Card 3.25% for Cashback Credit Card |
|
Cash Advance Fee |
3% of the total amount or 99 whichever is higher (Not applicable for Simplicity credit card) |
|
Citi Balance Transfer/Quick Cash/FlexiInstallment Processing Fee |
Up to 4% of the installment loan amount |
|
Citi Quick Cash Processing Fee (Beyond Credit Limit) |
AED 100 |
| You may also like this - List Of Credit Card with No Annual Fees in UAE |
Other Banks That Offer the Free for Life Credit Card in UAE
FAQ's on Citibank Free for Life Credit Card
An individual needs to have a minimum salary of AED 5,000 per month to avail a Citi Simplicity credit card.
No, there is no late payment fee on the Citi Simplicity credit card.
Citibank offers rewards on each purchase done via Cashback credit card. The cardholder receives 3% cashback on all non-AED transactions, 2% cashback on grocery and supermarket purchases and 1% cashback on every other purchase.
Customers can visit the Citibank official website, select their card type and apply by filling out personal information. The process is quick and easy with a few simple steps. Once the card is available, individuals can activate it using the Citi Mobile app.
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