Citibank Citi Ready Credit Card
- 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
An overdraft facility specially offered by Citibank, Citi Ready Credit Card offers a high credit card limit in an instant. This credit card from Citibank offers Mastercard Titanium privileges along with a loan against this card.
To learn more about Citibank Citi Ready Credit Card, keep on reading below.
Features and Benefits of Citi Ready Credit Card
Mentioned below are the prime features of the Citi Ready credit card —
- Instant access to cash on the approved credit limit
- Ease of managing debt
- High credit limit of up to 6 times your monthly salary or up to AED 175,000 (whichever is lower)
- Enjoy rebates and offers of Mastercard Titanium at the top brands and outlets across MENA
- No annual fee for the 1st year
- Complimentary access to more than 10 VIP airport lounges in the Middle East and Africa
- Get a waiver of AED 300 annual fee upon spending AED 9,000 starting from the 2nd year
Fees and Charges Associated with Citi Ready Credit Card
Tabled below are the fees and charges for this Citi card —
| Fees and Charges | Amount |
|---|---|
| Annual Membership Fee | AED 300 |
| Paper Statement Fee/Copy | AED 10 or AED 25 per month |
| Easy Instalment Plan | 1% of the remaining balance |
| Cheque Issued by Manager for Credit Balances | AED 25 |
| International or Foreign Currency Processing Fee | 2.99% |
| Loan on Card (Beyond the Credit Limit) | AED 100 |
| Direct Debit Setup/Cancellation Charge | Free |
| Late Payment Fee | AED 230 |
| Card Replacement Fee | AED 50 |
| Sales Draft Copy Charge | AED 65 |
| Outgoing Cheque Collection Charge | AED 50 and Correspondent Bank Charges and AED 60 (if couriered) |
| Returned Cheque Fee | AED 100 |
| Cash Advance Charge | 3% of the cash advance amount or AED 99 (whichever is higher and up to the limit of AED 250) |
| Easy Instalment Plan Processing Fee | Up to 4% of the transaction amount |
| Card Conversion Charge | AED 50 |
| Direct Debit Stop Payment Request (Per Instance) | AED 50 |
Eligibility Criteria to Apply for Citi Ready Credit Card
To apply for this Citi credit card, you must meet the following eligibility criteria —
- Minimum Age – 21 years
- Minimum Salary – AED 8,000 per month
Documents Required to Apply for Citi Ready Credit Card
By submitting the following documents, you can easily apply for this Citibank credit card —
- Emirates ID copy
- Passport copy with Residence Visa Page
Note: The bank will list down other documents required as per its requirements.
How to Apply for Credit Cards in the UAE?
Get a step ahead with your credit card application process with Policybazaar.ae.
This is a one-stop portal to apply for the best credit cards digitally and within a few clicks. To start with, fill out the lead form and get directed to the credit card quotes page. Here, you can browse and compare the options and select one.
In case you get confused, our industry experts are there to help you. Apply for a credit card here!
Learn more about Citi Ready credit cards in the following frequently asked questions section.
FAQ's About Citibank Citi Ready Credit Card
Ans: This credit card is primarily an overdraft facility that lets you access extra funds whenever required.
Ans: To waive your annual fee starting the 2nd year, make a minimum spend of at least AED 9,000 using the credit card.
Ans: The Citibank Ready credit interest rate is 15% p.a.
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