Citibank Ready Credit Card
A Citibank credit card with an AED 315 annual fee, waivable with AED 9,000 annual spend.
AED 315.00
AED 8,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You need a Citibank card for service or acceptance and do not prioritize rewards.
Not ideal if
You want to earn cashback, points, or miles on your everyday spending.
Watch out for
No rewards on any spending category, so you earn nothing back on purchases.
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
Low annual fee waiver threshold of AED 9,000 per year.
Minimum salary requirement of AED 8,000 is accessible for many applicants.
Issued by Citibank, offering global acceptance and customer service.
Watch out for
No cashback, points, or miles earned on any spending category.
AED 315 annual fee with no rewards to offset the cost.
3.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Does the Citibank Ready Credit Card earn any rewards?
No, this card does not earn cashback, points, or miles on any spending. You will not receive any rewards on dining, travel, groceries, or any other category.
Is the annual fee worth it?
The AED 315 annual fee is waivable if you spend at least AED 9,000 per year. However, with no rewards program, the card offers no earning value even if the fee is waived.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 8,000 to be eligible for the Citibank Ready Credit Card.
Can I use this card abroad?
Yes, you can use this card internationally. However, a 3.14% foreign exchange markup applies to all transactions in foreign currencies.
How do I waive the annual fee?
Spend at least AED 9,000 per year on the card to waive the AED 315 annual fee.