Citibank Ultima Credit Card
A premium points credit card by Citibank earning 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 and travel transactions.
Not ideal if
You spend mostly within the UAE on dining, groceries, or everyday local purchases.
Watch out for
AED 3,150 annual fee is not waivable and requires high 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
5 points per USD on international spend with no cap.
Premium travel perks including lounge access, air rebate, and hotel benefits.
Welcome bonus of AED 1,250 value after AED 25,000 spend in 60 days.
2.5 points per USD baseline on all other domestic spend.
Watch out for
AED 3,150 annual fee with no waiver option.
Minimum salary requirement of AED 36,750 limits eligibility.
Utilities and education earn only 1 point per USD.
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 use the premium travel perks like lounge access, air travel rebate, and hotel benefits. The welcome bonus of AED 1,250 helps offset the first year fee.
How many points do I earn on international spend?
You earn 5 points per USD spent internationally with no cap. All other domestic spend earns 2.5 points per USD.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 36,750 to be eligible for the Citibank Ultima Credit Card.
Does this card earn points on school or university fees?
Yes, education spend earns 1 point per USD. This rate is lower than international and general spend, so it is not a strong category for this card.
Can I waive the annual fee?
No, the AED 3,150 annual fee is not waivable. You need to ensure your spending and use of perks justify this cost.