Citibank Ultima Credit Card
A premium 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?
Quick answer before the detailed explanation
Good fit if
You spend AED 20,000 or more monthly with heavy international spend and use premium travel perks.
Not ideal if
You spend mostly domestically or prefer cashback rewards over points-based earning.
Watch out for
AED 3,150 annual fee is not waivable and requires strong international spend to justify.
Calculate This Card’s Value
Earning Rates
5 pts/USD
1 pts/USD
1 pts/USD
2.5 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 5 points per USD on international spend with no cap.
Premium travel perks include 50% air travel rebate and hotel third night free.
Welcome bonus of AED 1,250 value after AED 25,000 spend in 60 days.
Airport lounge access, fast track, transfers, and complimentary golf rounds included.
Watch out for
AED 3,150 annual fee is not waivable regardless of spend.
Requires minimum salary of AED 36,750, limiting eligibility.
Baseline 2.5 points per USD on domestic spend is modest for the fee.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 3,150 annual fee is worth it if you spend heavily on international transactions and regularly use the premium travel perks like 50% air travel rebate, hotel third night free, and lounge access. The welcome bonus of AED 1,250 value helps offset the first year fee if you spend AED 25,000 in 60 days.
How many points do I earn on international spend?
You earn 5 points per USD spent on international transactions, with no cap. All other domestic spend earns 2.5 points per USD.
Can I waive the annual fee?
No, the AED 3,150 annual fee is not waivable regardless of your spending level.
What is the minimum salary required?
You need a minimum monthly salary of AED 36,750 to be eligible for this card.
Does this card earn points on school or university fees?
Yes, education spend earns 1 point per USD, the same rate as utilities. International spend earns the highest rate at 5 points per USD.