Citibank Citi Ultima Credit Card
A premium points credit card by Citibank earning up to 5 points per USD on international spend and 2.5 points per USD elsewhere.
AED 3,150.00
Up to 5 pts/USD
AED 36,750
3.14%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
5 points per USD on international spend with no monthly cap.
Premium travel perks including lounge access, airport transfers, and fast track.
50% air travel cash rebate and hotel third night free benefits.
2.5 points per USD on all other spending categories.
Watch out for
AED 3,150 annual fee with no waiver option available.
Requires minimum salary of AED 36,750 to qualify.
3.14% foreign exchange markup reduces value on international transactions.
Earning Rates
5 pts/USD
1 pts/USD
2.5 pts/USD
Perks
Fees & Conditions
Frequently Asked Questions
Is the AED 3,150 annual fee worth it?
The fee is worth it if you spend heavily on international transactions and use the travel perks like lounge access, airport transfers, and 50% air travel rebates regularly. If you spend less than AED 20,000 monthly or rarely travel, the fee will likely exceed the value you receive.
How many points do I earn on international spending?
You earn 5 points per USD spent internationally, which is the highest earn rate on this card. All other spending earns 2.5 points per USD, except utilities which earn 1 point per USD.
What is the minimum salary required for this card?
You need a minimum monthly salary of AED 36,750 to qualify for the Citi Ultima Credit Card.
Can I waive the annual fee?
No, the AED 3,150 annual fee is not waivable regardless of your spending level.
What is the welcome bonus offer?
You can earn a welcome bonus by spending AED 25,000 within the first 60 days of card membership.