• Free cheque book and teller transactions
• Free local and internatioanl remittances
• Free international ATM cash withdrawals
• Free entertrainer booklet worth AED 50,000
• Skywards signature credit cards with 30,000 skywards miles
• Discounts of upto AED 8000 on credit cards and loans

• Earn 4 Etihad Guest Miles for every AED 1,000 maintained monthly in your current or savings account (minimum average balance: AED 10,000;
• maximum average balance: AED 250,000)
• Earn a bonus of 500 Etihad Guest Miles on the first anniversary with us
• Earn a bonus of 500 Etihad Guest Miles the first time you register with ADCB Personal Internet Banking
• Current account customers receive a cheque book and a Debit Card
• Savings account customers receive a Debit Card

• No charges for cash withdrawals at any bank ATM acrooss the UAE and GCC
• Preferential rates on personal loans
• Free instant international fund transfers through online and mobile banking 
• Free global emergency cash up to USD 10,000 from any HSBC branch abroad in case you lose your wallet while travelling abroad
• 50% discount on processing fee for international HSBC account opening
• Current account available in multiple currencies (AED, USD, GBP and EUR)
• Fee free Overdraft up to 1 salary multiple or AED 50,000 (whichever is lower), the first AED 2000 being interest free.
• Up to 10% off British Airways airfares when you book with your HSBC Advance Debit Card

Get AED 1,500 when you open an Advance account.  You could also be eligible for up to AED 2,100 cashback 

• Enjoy up to AED 600 cashback when you open a Max Rewards card today
• Enjoy up to AED 600 cashback when you open a Cash+ card today
• Enjoy up to AED 600 cashback when you open a Cashback card today

• Priority servicing, support and a Premier Debit Card accepted at over 25 million retail outlets worldwide and over 1 million ATMs
• Dedicated Relationship Manager
• Automatic Premier status in 29 markets around the world
• Family Banking solutions covers your spouse and children, which means they too can have a Premier account of their own
• Premier Children Savings account and a transactional account with a supplementary debit card for children above 14 years of age
• Overdraft up to 2 salary multiples or AED 30,000 (whichever is lower) with no fees, and with no interest payable on the first AED 5,000
• View all of your international accounts in one place, and make instant, no-fee transfers between them with a Global Money Account
• A Current Account available in UAE Dirham, US Dollars, Euro and Pound Sterling
• Transfer funds to 200 countries and regions in over 25 currencies including INR, PKR, EGP and PH with no fee
• Preferential rates for loans, mortgages, savings and term deposits, as well as global money transfers
• Free instant international fund transfers through online and mobile Banking 
• Autopay and standing instructions
• Free online banking, phone banking and SMS alerts - bank where and when it suits
• Free cheque books - and if your cheque book is lost or stolen, use 'Stop Cheque'
• Unlock Premier status across 29 markets, with a unique range of global services and solutions.
• Be confident your finances are in good hands, with preferential rates and access to our expert wealth advisors
• Look after those that mean the most, with savings solutions for your child and complimentary family travel insurance

• AED 8000 on maintaining premier balance.
  AED 2000 on transferring premier monthly salary

Take advantage of global wealth building opportunities with the help of the Citigold Client Advisory Group - your personal wealth management advisors.

Buy and sell equities, ETFs and bonds in a range of markets through our user-friendly e-Brokerage platform.

Keep an eye on all your local and overseas Citibanking relationships and investments with a Global View of Accounts.

Join Citigold and get up to AED 21,000 upon maintaining your initial funding balance for 90 days, and meeting the investment or insurance criteria.

• Funding Reward :
  Citigold: AED 4,000- Open and fund a Citigold Account with a minimum of USD 200,000 within 90 days of account opening date and maintain a total relationship balance at or above USD 200,000 for all times.
  Citigold Private Client:AED 10,000- Open and fund a Citigold Private Account with a minimum of USD 10,00,000 within 90 days of account opening date and maintain a total relationship balance at or above USD 10,00,000 for all times.
• Bonus Reward :
  AED 3,000 - Customer must be an active Citibank UAE Primary Credit Card holder at the time of opening a Citigold or Citigold Private account
• Investments or Insurance Reward :
  AED 4,000 - Customer must have qualified for the funding reward and in addition , purchased a total of atleast USD 20,000 worth in mutual funds or Equities or  Exchange traded funds or bonds through onshore or offshore booking center or paid APE* of USD 20,000 or more in a life insurance policy as of the funding period

AED 4,000 - Customer must have qualified for the funding reward and in addition , purchased a total of atleast USD 200,000 worth in mutual funds or Equities or  Exchange traded funds or bonds through onshore or offshore booking center or paid APE* of USD 200,000 or more in a life insurance policy as of the funding period

* APE is defined as annualized premium on a insurance policy

• Terms related to which customers are eligible for this offer :
  1. Customers that have closed any Citibank account where they were a single or joint account holder within 12 months immediately preceding the date of opening the new Citigold/Citigold Private Client Account are not eligible for the reward
  2. For joint accounts, only one reward will be given to the Primary Account Holder
  3. This offer is applicable only for UAE residents
  4. Offer is NOT applicable for US persons
  5. Offer is NOT applicable for Citibank staff (Including Non-Employees)
  6. Offer is NOT applicable for minor individuals and  / or minor accounts
• Terms related to what eligible customers must do to qualify for this offer :
  7. The Campaign is valid for all new customers who open Citigold (CG) /Citigold Private Client (CPC) relationship bank accounts from January 1st 2024 to December 31st 2024.
  8. Initial Funding: Once a CG account is opened, the customer must have Total Relationship Balance of USD 200,000 (or equivalent in other currencies) or more in their CG relationship within 90 days of opening the bank account. Likewise, the customer must have Total Relationship Balance of USD 1,000,000 (or equivalent in other currencies) or more under CPC relationship, within 90 days of opening the bank account. Total Relationship Balance is the sum of balance in deposits, investments or insurance APE.
  9. In order for a customer to qualify for CG Funding Reward, once initial funding has taken place, customer must maintain their relationship balance of USD 200,000 (or equivalent in other currencies) or more in their CG relationship for a period for 90 consecutive days at all times. Likewise, for a customer to qualify for CPC Funding Reward, once initial funding has taken place, customer must maintain their relationship balance of USD 1,000,000 (or equivalent in other currencies) or more in their CPC relationship for a period of 90 consecutive days at all times. The 90 consecutive days in which customer maintains required Total Relationship Balance is defined as Funding Period. For the avoidance of doubt, the Funding Period has to start no later than 90 days from account opening date. For the purpose of calculating reward, the lowest daily balance maintained for the 90 days will be taken
  10.Funds transferred from Citibank UAE accounts will NOT be counted towards TRB calculation for offer fulfilment. Any funds that a customer received from another Citibank UAE account will be deducted from the TRB calculation for Funding Offer reward. For example, if a customer opened an account in September 1st, 2023, funded the account on January 10th, 2023 and maintained a TRB of $250,000 until April 10th, 2023, BUT $150,000 of the $250,000 came from a transfer from another Citibank UAE account, the customer’s TRB would be calculated to be only $100,000 and the customer would NOT qualify for the offer.
  11. To earn the Bonus Reward of AED 3,000, the customer must have an active Citibank UAE primary credit card ate time of their Citigold (CG) or Citigold Private Client (CPC) account opening durnig the campaign period.
  12.To earn the investment and insurance reward of AED 4,000, the customer must qualify for funding reward as mentioned in above clauses, and additionally have invested USD 20,000 in total into investment products or in life insurance products or on or before the end of Funding period.
  13. To earn the investment and insurance reward of another AED 4,000 the customer must qualify for funding reward as mentioned in above clauses, and additionally have invested USD 200,000 in total into investment products and / or in life insurance products on or before the end of the funding period.
  14. The account shuld be in good standing at the time of reward credit.
  15. Customer qualifying under this offer cannot concurently qualify under any other related to CG/ CPC account relationship
• Other Terms related to this offer :
  16. The Funding and Bonus funding Rewards would be credited to customer’s bank account within 30 working days of customer fulfilling the qualification criteria
  17. Citibank reserves the right to change / modify the campaign anytime
  18. Citibank Terms and Conditions apply which can be read at https://www.citibank.ae/TnC . They are subject to change and are available upon request
  19. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. UAE
  20. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer
  21. By inquiring about our services, offers or products, the customer will be authorizing our representatives to approach on contact details including the telephone/mobile number
  22. If the required balance is not maintained (For Citigold USD 200,000 and/or Citigold Private Client USD 1,000,000) for 4 months, the account may be closed or downgraded by Citibank in compliance with the applicable terms and conditions
  23. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals
• Investment and Insurance Reward terms : 

24. The offer is valid for all new customers who open Citigold (CG) /Citigold Private Client (CPC) relationship bank accounts during the period from January 1st 2024 to December 31st 2024. (both dates included) (“Offer Period”).

25. The funding reward of AEd 4,000, for investment or insuance above USD 200,000 would be credited to customers bank account withing 15 working days of receiving the funding rewards.

26. Systematic Investment Plan ( SIP) transactions are excluded from the offer.
27. Customers need to have an active mutual fund account or Securities Brokerage account with citibank UAE, valid investor profile, knowledge and experience in mutual funds category whch is indicated and confirmed them  to citibank at the time of us crediting the cashback to the customers bank account

28. In addition to the above, General Terms & Conditions available on www.citibank.ae that governs the Mutual Fund Account, the Securities Brokerage Accounts and the Investment Services apply to this offer.
29. Customers are expected to have read and understood the above terms and conditions and the General Banking Terms & Conditions document available on www.citibank.ae at the time of signing the account opening documents
30. These terms and conditions are subject to any applicable laws and regulations, including any regulations governing the Mutual Fund Account or the Securities Brokerage Account.
31. The Consumer has the right to acquire separately one of proposed bundled Products and or Services and forgo the favourable terms

32. US Persons are not eligible for the investments rewards.

iSave is an online account with the following features:

• 2% per year on new funds deposited from 1 February to 30 June 2022
• Instant account opening through the FAB Mobile app and Online Banking
• Available in AED
• No minimum balance requirement
• No restrictions on the number of withdrawals

Band Balance Band Balance >AED 500,000 to AED 5,000,000 will earn upto 1.3% to 1.68% per year
Band Balance >AED 5000,000 will earn upto 1.68% and less

Conditions 

• Valid for individual customers with new funds only
• Eligibility to be calculated on average monthly balance
• 31 January 2022 to be considered the base balance
• Any increment over the base balance at the customer level defined as new funds
• Differential interest amount of 2% per year over the prevailing interest rate to be applied within 30 days of the campaign’s end date  for the campaign months
• Existing funds subject to the prevailing interest rate (mentioned below), which is applied monthly

• No minimum balance required
• Discover 2% cashback on debit card transactions on noon, noon Grocery, NowNow & Sivvi, 0.10% on all other purchase transactions and enjoy accelerated Salaam Points.
• Earn up to 1.00% interest per annum on your savings.
• Enjoy free noon VIP membership for one year. This brings you free express/ next day delivery and buy one get one free offers at noon VIP partner restaurants.
• Money transfers to over 40 destinations globally with 1 free international transfer per month
• Enjoy the flexibility of using money anytime through Debit Card
  
  With Mashreq noon VIP Savings Account you don’t have to maintain any minimum balance or pay a monthly fee.

Enjoy free noon VIP membership for one year. Enjoy free noon VIP membership for one year. This brings you free express/ next day delivery and buy one get one free offers at noon VIP partner restaurants

Quick Remit:
Free transfers to India, Pakistan, instant transfer and 24/7 available

Instant loan:
Designed as an exclusive benefit for customers who use Neo as their Salary account. Mashreq Neo customers can now fast track their wish list with Neo Instant loans. To find your eligibility , Click on the menu button and then the loans button, post you log in to your Neo app.

Mashreq Millionaire:
Purchase Mashreq Millionaire Certificates to participate in our monthly and quarterly lucky draws. Each certificate is valued at only AED 1,000. The more you purchase, the better your chances of qualifying for all prizes, including the grand prize of AED 1,000,000!

Pay Bills
Etisalat, Du, DEWA, SEWA, Salik, school fees, international mobile connections and 100 other partners. Let us know and we will handle everything for you. No extra cost.

Early Bird Cashback Offer for AED 350.
AED 35 - Purchase 3 Mashreq Millionaires Certificates +
AED 65 - Debit Card Spends AED 3000 +
AED 75 - Quick Remit of AED 3000 +
AED 75 - Motor Insurance AED 100 - Term Life or Critical Insurance Plan

Cashback on purchases:

With MashreqPay get 5% cashback on all your spends each month. Simply tap your smartphone on the POS terminal during checkout to make contactless, cashless & secure payments in a jiffy. This service works at all NFC enabled Terminals in UAE and abroad across all android devices.

•Register your Mashreq Credit or Debit Card on MashreqPay and make 1 transaction to get your Joining Bonus of AED 25 guaranteed cashback.

•You are eligible for a 2% cashback of up to AED 50 for the first 10 transactions and an additional 5% cashback of up to AED 50 for more than 10 transactions in a calendar month.

•Opt in for free coupons from your favorite stores. You will get the coupons for redemption once you reach the required spends.

• 0.15% p.a. (for AED currency only)
• Monthly average balance of AED 3,000 required
• AED 25 + VAT per month (In case minimum balance requirement or required debit card spends is not achieved)
• Does not need employment or a salary transfer
• Minimum age requriement is 18 years
• Utility Bill Payments (DEWA, SEWA, ADDC, Etisalat, DU and SALIK
• Non Mashreq Credit Card Payment will be charged AED 10
• AED 1 for domestic transfers

FAB  One Current Account Features

• Free debit card with lifestyle benefits
• Free lounge access at selected airports for FAB Mastercard debit cardholders
• Four free cash withdrawals from any ATM in the UAE
• FAB Rewards on account balances
• Free cheque books
• No minimum balance charges
• Free international remittances

FAB isave Account Features

• Up to 5.25% interest per year on new funds
• No minimum balance requirement
• No restriction on the number of withdrawals
• Instant account opening through the FAB Mobile app

Credit Cards

• Instant credit card opening through the FAB Mobile app
• Travel, lifestyle, and cashback benefits
• FAB Rewards, cashback in Al-Futtaim FAB Rewards, SHARE points or Etihad Guest Miles for every transaction
• 0% Easy Payment Plans, Quick Cash, Balance Transfers

Personal Loans

Exclusive benefits for UAE Nationals

• Interest rates starting from 4.74% per year
• Loan amounts of up to AED 5 million
• First installment grace period up to 210 days

Exclusive benefits for expatriates

• Interest rates starting from 5.34% per year
• Loan amounts up to AED 2 million
• First installment grace period up to 120 day
• The option of a non-salary Transfer Personal Loan with competitive terms if your employer is not on FAB’s Approved List of Employers

Car Loans

• Loans of up to AED 1.5 million or 80% of the car value
• Exclusive Benefits for UAE Nationals
• Competitive profit rates as low as 2.15% (equivalent to a reducing rate of 4.10%) per year
• Exclusive Benefits for Expatriates
• Competitive profit rates as low as 2.29% (equivalent to a reducing rate of 4.35%) per year

Home Loans

• Own your own home with FAB’s range of mortgage options and rates starting from 3.99%.
• Low down payments, high loan amounts, flexible rate options and helpful mortgage advisers
• Up to 85% financing for first-time buyers
• No approval-in-principle fee

*Offer valid for the new and selected existing customers only. Products need to be availed within 60 days .

• FAB One Current Account or Personal Current Account plus FAB iSave Account plus FAB credit card ( FAB Cashback Card, FAB Rewards Signature, Etihad Guest Signature, Blue FAB Signature Card by Al Futtaim, FAB Share Platinum or FAB Rewards Platinum Credit Card) plus FAB Personal Loan or FAB Auto Loan or FAB Home Loan - AED 3750 ( UAE Nationals) and AED 2500 ( Expats)
• Double your Bundle Rewards when you transfer your salary to FAB. 
• Earn additional FAB Rewards worth AED 2,500 with a Personal or Auto Loan or Home Loan of AED 50,000 in addition to a credit card.

• FAB One Current Account or Personal Current Account plus FAB iSave Account plus FAB credit card ( FAB Cashback Card, FAB Rewards Signature, Etihad Guest Signature, Blue FAB Signature Card by Al Futtaim, FAB Share Platinum or FAB Rewards Platinum Credit Card) plus FAB Personal Loan or FAB Auto Loan or FAB Home Loan - AED 3750 ( UAE Nationals) and AED 2500 ( Expats)
• Double your Bundle Rewards when you transfer your salary to FAB. 
• Earn additional FAB Rewards worth AED 2,500 with a Personal or Auto Loan or Home Loan of AED 50,000 in addition to a credit card.