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Citibank, a leading global financial institution with a presence in the UAE since 1964, offers an extensive range of credit cards designed to cater to various customer needs and preferences - from cashback and reward points to travel benefits and exclusive privileges.

Citibank supplementary cards, also known as add-on cards, play a vital role in extending the benefits of the primary cardholder to their family members or dependents, allowing them to take advantage of the same perks and rewards. 

In this article, we will delve deeper into Citibank supplementary cards, exploring their features, benefits, and application process. By the end of this article, you will have a comprehensive understanding of how Citibank supplementary cards can enhance your overall credit card experience and help you maximise the value of your primary Citibank credit card account.

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What are Citibank Supplementary Credit Cards?

Citibank supplementary credit cards are additional credit cards issued under the primary cardholder's account. These cards are generally provided to family members or dependents of the primary cardholder and help them take advantage of the benefits and privileges of the main card without needing to apply for a separate credit card account.

Currently, Citibank supplementary credit card offer is available on Emirates – Citibank Ultima Credit Card and Emirates - Citibank Ultimate Credit Card.

Some of the general features of supplementary credit cards are as follows -

  • Supplementary credit card holders can share the credit limit of the primary cardholder's account, indicating that the primary cardholder is responsible for all transactions made using the supplementary credit cards.
  • They can enjoy many of the same rewards, offers, and benefits available to the primary cardholder like cashback, exclusive discounts, and more.
  • Generally, primary credit card holders can track and monitor the spending habits of supplementary cardholders through Citibank's online website or mobile application. This can help in budgeting and managing expenses more efficiently.
  • In some cards, primary credit card holders can also set a specific limit for each supplementary credit card.

Benefits of Citibank Supplementary Credit Cards

As mentioned, Citibank supplementary credit card offer is only available on Emirates- Citibank Ultima Credit Card and Emirates – Citibank Ultimate Credit Card, entailing the listed benefits –

Citibank Credit Card Features and Benefits
Emirates – Citibank Ultima Credit Card
  • Exclusive metal card for the primary cardholder
  • Earn Skywards Miles on local spending, AED spending, and non-AED spend
  • Get a welcome bonus in the form of Skyward Miles upon payment of the annual fee
  • You can also get the complimentary Emirates Skywards Silver membership with the card and enjoy extra baggage allowance
  • Get unlimited access to 1,100+ airports lounges worldwide for yourself, your Citibank supplementary cards, and one free guest each per visit with the MasterCard Travel Pass application
  • Unlimited complimentary golf on weekdays and once a month on weekdays at the best courses in the UAE
  • Instant cash loan on credit card
  • Dining and entertainment discounts
Emirates – Citibank Ultimate Credit Card
  • Earn Skywards Miles on local and non-AED spend
  • Unlimited global airport lounge access to Citibank supplementary credit card members and one free guest per visit
  • Dining and entertainment discounts locally and across 95 countries
  • Easy instalment plans are available
  • Get an instant cash loan in a few simple steps

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Fees and Charges of Citibank Supplementary Credit Cards

Given below is the schedule of fees and charges associated with Citibank supplementary credit cards –

Parameters Fees and Charges
Supplementary credit card issuance fee AED 25 
Metal supplementary card one-time issuance fee (only applicable for Citibank Ultima MasterCard) AED 1,000 per card
Paper statement fee  AED 10/ AED 25 per month. Multiply it by the number of months if you request multiple months' statement
Courier Charges Depending on the courier service provider
East instalment plan early settlement fee/loan on card 1% of the remaining balance 
Outgoing check collection fee (LCY / FCY) AED 50 + correspondent bank charges + AED 60 if couriered (FCY checks)
Returned cheque fee AED 100
Manager’s cheque issued for credit balances  AED 25
Cheque clearance  Funds shall be transferred to the card account on the cheque clearance
Loan on the card or easy instalment plan processing fee Up to 4% of the loan amount
Loan on card beyond credit limit processing fee AED 100
Citi PayAll processing fee Up to 4% of the transaction amount

How to Apply for Citibank Supplementary Credit Cards?

Applying for Citibank credit cards in the UAE through Policybazaar.ae is the most convenient and efficient way to find the best card that suits your needs.

Policybazaar.ae is an online platform that lets you compare various financial products from different providers such as credit cards, loans, and insurance policies to help you make truly informed decisions.

By visiting the Policybazaar UAE website, you can easily compare different Citibank credit cards, evaluate their features, benefits, and fees, and apply for the one that best matches your requirements - all done in a few taps or clicks of your device!

Some of the benefits of using Policybazaar UAE to apply for Citibank credit cards include the following:

  • Comprehensive Comparison: Policybazaar.ae allows you to compare multiple Citibank credit cards side-by-side, which helps you understand the unique features, rewards, and costs associated with each card. This can make it considerably easier to choose the right one for your financial needs.
  • Transparency in Information: Our platform provides detailed information about each credit card, including eligibility criteria, interest rates, annual fees, reward structures, and other essential details clearly so that you have all the necessary information to make an informed decision.
  • Time-Saving and Convenient: Instead of visiting multiple websites or bank branches to gather information about credit cards, Policybazaar.ae offers a one-stop solution that saves you time and effort. You can easily apply for a Citibank credit card online from the comfort of your home or office.
  • Expert Assistance: Policybazaar.ae provides round-the-clock customer support and expert guidance to help you navigate the credit card application process and get answers to all your questions.
  • Secure Platform: Policybazaar.ae ensures that your personal and financial information is protected throughout the application process, maintaining the highest data security and privacy standards.

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Wrapping Up

Citibank supplementary credit cards offer a convenient way for primary cardholders to extend the benefits and privileges of their main credit cards to their family members or dependents. With features like shared credit limits, rewards, spending tracking, and customisable spending limits, these add-on cards can provide added value and convenience for both the primary cardholder and their Citibank supplementary credit cardholders.

By exploring the available Citibank supplementary credit cards such as the Emirates-Citibank Ultima and Emirates-Citibank Ultimate cards and using platforms like Policybazaar.ae to compare and apply for these cards, you can make the most of your credit card experience.

With transparent information, expert assistance, and secure application processes, choosing and managing a Citibank supplementary credit card has never been easier!

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