Best Credit Card In UAE

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • No annual fee, late fee, cash advance fee or overlimit fee
  • Access to 25+ lounges across the Middle East
  • No Cash Advance, Late or Overlimit fee
  • Free for life
  • 20% discount on Talabat*

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min AED 99

Key Features

  • No annual fee, late payment fee, cash advance fee or overlimit fee- ever
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Buy 1 Get 1: hundreds of offers across food & drink, leisure & travel with the Priceless™ Specials Mastercard app (powered by the Entertainer™)
  • Cash loan on card at a click of a button from Citi Mobile® app (subject to eligibility)
  • Turn big purchases into smaller monthly instalments at a click of a button from Citi Mobile® app
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Airport Lounges: Access to 25+ lounges across the Middle East via MasterCard Travel Pass app
  • Complimentary supplementary cards for your family members

Reward Features

The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.

Things To Be Aware Of

  • There are no rewards or cashbacks on this card
Apply Now

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership Fee (AMF) subject to spend*
  • Airport Transfers: 2 rides per year

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.90%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

Key Features

  • No Annual Membership Fee (AMF) subject to spend*
  • Automatic cash back on all purchases, with no minimum spend:
  • 3% on Non-AED spend
  • 2% on Grocery Spend
  • 1% on all other spend
  • No caps (up to the credit limit each month), no redemption process and no spend categories excluded
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
  • Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once month on the Talabat app. Use code “MASTERCARD” at checkout
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
  • No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

Reward Features

Unlimited, Automatic Cashback on all Spend

 

3% cashback on all non-AED spend

2% cashback on all grocery/supermarket spend

1% on all other spend

 

No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.

Things To Be Aware Of

  • 2nd year Annual Fee of AED 300 if annual spend < AED 9,000
Apply Now

on Citibank site

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 2.5 Skywards Miles per $ spend
  • Complimentary Emirates Skywards Silver membership
  • Exclusive 100% Metal card
  • Complimentary golf, valet parking, cinema ticket offers
  • 25,000 welcome bonus Skywards Miles

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.

Key Features

  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Earn up to 2.5 Skywards Miles per $ spend
  • Exclusive 100% metal card + Skywards Silver Membership
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Silver Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card

Earn 2.5 Skywards Miles per USD spent on www.emirates.com in AED
1.5 Skywards Miles per USD on non-AED spend and
1 Skywards Mile per USD on other AED spend.

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Apply Now

on Citibank site

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 1.25 Skywards Miles per $ spend
  • 1 Complimentary golf a month at the finest courses in UAE
  • Complimentary valet parking, cinema ticket offers
  • Unlimited access to 1000+ airport lounges

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1.25 Skywards Miles per USD
  • Convert Skywards miles into Reward Flights and Business Class upgrades with Emirates
  • Complimentary Valet Parking once a month with Valtrans
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

       

  • 1.25 Skyward Miles per USD on non AED spend
  • 1 Skywards Miles per USD on other AED spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Apply Now

on Citibank site

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn up to 1 Skywards Mile per USD spent
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited free lounge access for supplementary holders too
  • No annual fee in Year 1

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
  • Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend. 

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • Annual fee of AED 400 from year 2 onwards
Apply Now

on Citibank site

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • AED 350 cash back welcome bonus
  • Airport Transfers: 6 rides per year
  • 1 free Golf round per month at some best golf course in UAE

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Citi Premier Credit Card and get up AED 350 welcome offer as a statement credit.

Citibank Terms & Conditions apply.

Key Features

  • AED 350 cash back welcome bonus (subject to payment of full annual fee)
  • Redeem points for cash back or transfer to 12 partner airlines including Emirates, Etihad, Turkish at a click of a button from Citi Mobile® App
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders (+ 1 guest each) with MasterCard Travel Pass app
  • Airport Transfers: 6 rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app
  • Movies: 30% off 4 movie tickets per month at VOX cinemas
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Golf: 1 free round per month at some of the best golf courses in UAE
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Marhaba Bronze Meet & Greet service once a year with fast-track for arrivals & departures at Dubai International Airport
  • Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions

Reward Features

Earn 3 ThankYou(R) Points per USD on all dining & fuel spend, Earn 2 ThankYou® Points per USD on non-AED spend spent and 1.5 ThankYou® Points per USD on local (AED) spend

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

- Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays

- Redeem points for cash rebates or shopping vouchers

AED 500 can be offset with 15,000 ThankYou® Points  for any  travel-related purchase,  No limitation

Apply Now

on Citibank site

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 1500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Strong rewards earnings & travel benefits
  • AED 600 cash back welcome bonus
  • Unlimited access to 1,100+ lounges worldwide
  • Valet Parking: 2 services per month
  • Buy1 Get1 free movie tickets per month at VOX(6) and Reel(2)

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Citi Prestige Credit Card and get up AED 600  welcome offer as a statement credit.

Also, earn 10,000 annual ThankYou® Points on yearly renewal of your Card. 

Citibank Terms & Conditions apply.

Key Features

  • AED 600 cash back welcome bonus (subject to payment of full annual fee)
  • 10,000 bonus ThankYou® Points annually post payment of annual fee
  • Transfer points to 12 partner airlines including Emirates, Etihad, Turkish or redeem for cash back at a click of a button from Citi Mobile® App
  • 4th night free at any hotel worldwide (unlimited
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders (+ 1 guest each) with MasterCard Travel Pass app
  • Airport Transfers: 6 rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app
  • Golf: Unlimited golf on weekdays and 1 free round on weekends per month at some of the best golf courses in UAE
  • Valet Parking: 2 services per month at select Valtrans locations
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Movies: 6 ‘Buy 1 Get 1 free’ movie tickets per month at VOX (4) & REEL(2) cinemas
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Marhaba Silver Meet & Greet service twice a year with fast-track and porter services for arrivals & departures at Dubai International Airport
  • Online purchases cover (up to $1,000 per year) for delayed, damaged or wrong items
  • Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions

Reward Features

Earn 3 ThankYou® Points per USD on non-AED spend spent and 2 ThankYou® Points per USD on local (AED) spend

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

- Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays

- Redeem points for cash rebates or shopping vouchers

Apply Now

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

15%

ANNUAL FEE

AED 300

  • Get cash faster than ever at a special rate of 15%* pa
  • Cash up to 6x your monthly salary or AED 175,000*
  • Instant cash advance up to 100% of your credit limit

MINIMUM SALARY

AED 8,000

RATE

15%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / or AED 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Key Features

  • Popular and first in market card like an always-on digital loan at a click of a button via Citi Mobile® app
  • Immediate cash up to 100% of credit limit in your bank account anywhere in UAE
  • Higher credit limit up to 6X monthly income or AED 175,000 (whichever is lower)
  • Special rate from 15%* per annum for the first loan booked within 1 month from card approval
  • Sign-up once and borrow as many loans as you need within your credit limit at a click of a button. No need to re-apply for new loans in the future.
  • No early repayment fees, so you can repay in installments (up to 48 months) or repay early in lump sum without worrying about additional charges
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Airport Lounges: Access to 10 lounges across the Middle East via MasterCard Travel Pass app
  • No Annual Membership Fee (AMF)**: waived indefinitely
  • T&Cs apply. 15% is the annual rate and is applicable only for new Citibank customers during the term of the 1st loan booked within 1 month of card approval. Min tenure is 24 months and max tenure is 48 months.
  • No AMF in year 1. AMF is waived for year 2 onwards without conditions.

Reward Features

This card does not have a reward feature


Apply Now

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • No Annual Membership Fee (AMF) subject to spend*
  • Unlimited access to 1,100+ lounges worldwide
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in year 1

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Key Features

  • No Annual Membership Fee (AMF) subject to spend*
  • Redeem points for cash back or travel-related spend at a click of a button from Citi Mobile® App
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
  • Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
  • Movies: 30% off 2 movie tickets per month at VOX cinemas
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
  • No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

Reward Features

Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend

 

With your ThankYou® Points you have the flexibility to redeem for cash rebates,  merchandise, gift vouchers and many other rewarding experiences 

 

-- Choose from merchandise ranging from apparel to electronics to home goods and more

- Pay with Points for your purchases through SMS or Citibank Online

Apply Now

on Citibank site

Citibank

Citibank came into existence on June 16th, 1812 in United States as City Bank of New York. The bank’s principles - common purpose, responsible finance, ingenuity, and leadership - are the bridge that connects its 200-year history with the future they aspire to create. Citibank as a group put great efforts to provide consumers, corporations, governments, and institutions with a broad range of financial services and products.

Present in the United Arab Emirates since 1964, when the bank opened its first branch in Dubai, Citibank has been known ever since for delivering excellence while consistently bringing world-class banking products and services to the local market. Citi, the consumer banking arm of Citi, is currently a major player in the UAE's credit card market and a leading provider of Wealth Management and Consumer Credit services. Citi's branch network in the UAE includes and a network of 60 ATMS located at various commercial centers across the UAE.

Citibank provides you with an opportunity to bank in a safe and secure way. Be it Corporate Finance, Global Banking, Islamic Banking or Offshore Banking it is all in one place.

Citibank provides plethora of products and services for institutions and individuals customized to meet their requirements.

Some of the products & services are –

  • Banking – Accounts & Deposits, Debit Cards, Funds Transfer
  • Credit Cards
  • Loans – Personal Installment Loans, Salary Transfer Loans
  • Insurance
  • Wealth Management
  • Corporate Solutions – Trade Finance Solutions, Treasury, Islamic banking and much more.

Citibank Credit Cards

Citibank credit cards have been popular in the UAE consistently. They offer credit cards in Dubai, UAE under travel, cashback, and lifestyle segments. Their Citibank cash back credit card is quite popular with a straightforward and simple to understand reward criteria. Citibank also offers high end premium cards such as Citibank Emirates Ultima and Citibank Prestige Card which are loaded for benefits. Explore our Top Citibank credit cards

There are four type of credit Cards that Citibank in the UAE offers

Emirates Credit Cards

These are travel credit cards which offers customers emirates skywards miles as loyalty rewards. As you see in the table below, there is a card for customers earning from AED 12000 in this category.

Popular Cards from Citibank

Income Eligibility

Annual Fee

Interest / Profit Rate

Citibank Emirates Ultima Card

AED 36,750

AED 3,000

3.25%

Citibank Emirates Ultimate

AED 18,000

AED 800

3.25%

Citibank Emirates World Card

AED 12,000

AED 400

3.25%

Emirates is one of the leading airlines in the world and frequent flyers in the UAE are quite familiar with the benefits of having a skywards credit card. While there are quite a few banks which offer skywards credit cards in the UAE, Citibank emirates skywards credit cards are quite popular for its overall benefits, features, loyalty rewards and transparency.  Do read our article on the best emirates skywards credit cards here.

The Citibank Ultima credit card is an exclusive premium credit card offering from Citibank which is well known to be one of the leading credit card issuers in the world. Among other benefits this card offers the card holder the unique opportunity to hold a metal credit card. The Citibank Emirates Ultima credit card offers an extremely well-rounded feature set of good Skywards miles rewards across most categories, an excellent joining offer for customers applying online, and many other significant benefits including:

  • 2.5 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1.5 & 1 Skywards mile(s) per USD for international and domestic spends respectively
  • Complimentary Emirates Skywards Silver Tier membership
  • AED 2,000 statement credit for online applications
  • Credit card is made of metal (only one among all Skywards credit cards)
  • Complimentary cinema offers at both VOX & Reel cinemas
  • Unlimited complimentary airport lounge access for each cardholder plus a guest
  • Highest category of Mastercard credit cards – ‘Mastercard World Elite’ benefits & offers

The Citibank Emirates Skywards Ultimate credit card caters to frequent travelers and is loaded with travel features which makes it one of the most sought-after credit card in the UAE.

1.25 Emirates Skywards miles per USD international and 1 skywards for domestic spends respectively

  • AED 800 statement credit for online applications
  • Complimentary golf offer
  • Credit card is made of metal (only one among all Skywards credit cards)
  • Complimentary cinema offers at both VOX & Reel cinemas
  • Unlimited complimentary airport lounge access for each cardholder plus a guest

Citibank Skywards World Credit Cards lets you Earn up to 1 Skywards Mile on every USD spent This card does not have annual feel in year 1. Redeem them for flights and upgrades with Emirates and Flydubai or shopping using your miles at Dubai duty free.

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Rewards Credit Cards

There are three credit cards catering to different income segments under this category. Top of the range is the Citibank Prestige credit card, followed by Citibank Premier and finally Citibank Rewards credit card.

Popular Cards from Citibank

Income Eligibility

Annual Fee

Interest / Profit Rate

Citibank Premier Credit Card

AED 15,000

AED 0

3.25%

Citibank Prestige Credit Card

AED 30,000

AED 1,500

3.25%

Citibank Rewards Credit Card

AED 8,000

AED 0

3.25%

Citibank Prestige Credit Card offers thank you points as loyalty rewards. With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences
Earn 3 ThankYou Points for any USD 1 on non-AED spend
Earn 2 ThankYou Points for any USD 1 on other AED spend

You can choose to transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays, Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings or choose from merchandise ranging from apparel to electronics to home goods and more. Below are some of the highlights for the card.

  • AED 750 welcome offer on sign up
  • 4th night free at any hotel locally or worldwide
  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1000+ Lounge Key lounges worldwide (+guest)
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 150 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Citibank Prestige Global Concierge team, available to assist you 24/7 from anywhere in the world
  • Complimentary Marhaba Silver Meet & Greet service twice a year at Dubai International Airport
  • Complimentary Travel Insurance and Purchase Protection

Citibank Premier Credit Card offers Flexible Rewards for you. Earn 2 ThankYou® Points on non AED spend and 1.5 ThankYou® Points per USD on other AED spend.

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences

  • Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays
  • Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings
  • Choose from merchandise ranging from apparel to electronics to home goods and more

 Redeem points for cash rebates, merchandise, staycation bookings or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways plus unlimited access to 1000+ lounges worldwide for you and 1 guest. Below are some of the highlights for the card.

  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 4 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
  • Citibank World Privileges, Free Citibank Alerting service and much more

Citibank Rewards Credit Card helps you convert your spend into cash rebate, shopping vouchers and much more. Enjoy unlimited access to 1000+ airport lounges worldwide and get instant cash loan at a click of a button with the Quick cash facility. Receive AED 200 Cashback Welcome offer upon meeting minimum spend of AED 5,000 in 90 days.

No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply. Below are some of the highlights for the card.

  • Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or shopping vouchers
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery & food delivery, dining, cinemas, golf, spas and theme parks!
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Fast, safe and effortless purchases, with Apple Pay
  • Pay with points for your purchases via SMS or online
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citibank World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Cashback Credit Cards

Citibank Cashback credit card is one of the popular cashback credit cards in the UAE. Known for its hassle-free operation, the cards comes with no spend or no caps. What not the cashback redemption process is also simple and automated without having a need to raise a manual request to the bank. You can enjoy unlimited, automatic Cashback on all spend with the Citibank Cashback Credit Card best cash back credit card in the market. 

Earn 3% on non-AED spend, 2% on grocery & supermarket spend and 1% on all other spend. No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded. Below are some of the highlights for the card.

•    No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

•    50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas

•    Unlimited access to 1000+ LoungeKey lounges worldwide 

•    Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app

•    Fast, safe and effortless purchases, with Apple Pay

•    PayLite: turn any big purchases into small payments

•    Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Basic Credit Cards

The Citibank Simplicity Credit Card has No annual fee, late payment fee, cash advance fee or overlimit fee, ever.

It is designed to be easy to use considering your basic lending requirements. Simpler terms, no hassle. Below are some of the highlights for the card.

  • No annual fee, late payment fee, cash advance fee or overlimit fee- ever
  • Access to select airport lounges across the Middle East
  • Citibank World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members

Airport Lounge Access Offers on Citibank Credit Cards

Cards Feature Details

Citi Ultima Mastercard Credit Card 

Cit Ultimate Mastercard Credit Card

Citi World Mastercard Credit Card

Citi Prestige Mastercard Credit Card

Citi Rewards Mastercard Credit Card

Citi Cashback Credit Card

1,100 + Airport lounge access with the MasterCard Travel Pass app

Emirates-Citibank Ultima MasterCard brings you unlimited complimentary access to 1,100+ airport lounges globally for you and your supplementary cardholders plus one guest each per visit.

  1. Download the Mastercard Travel Pass App. 

  2. Register Your Card.- Enter your Citibank Mastercard information in the app. 

  3. Check Lounge Eligibility: Use the app to find nearby lounges and check if you are eligible for free access. 

  4. Generate QR Code or Membership Number: The app will create a unique QR code or membership number for each cardholder (primary and supplementary). 

  5. Present QR Code or Number at Lounge: Show the QR code or membership number from the app to the lounge staff to gain entry.

  6. Guest Access: Both the primary cardholder and supplementary cardholders can bring one guest each using the Mastercard Travel Pass app.

Citi Premiermiles Visa Signature

1,000 + Airport lounge access with LoungeKey

Your Premier Miles Signature Visa card brings you unlimited complimentary access to 1,000+ airport lounges globally for you and your supplementary cardholders.


  • Primary and supplementary cards holders can visit LoungeKey airport lounges. 

  • To enter, both the primary card and supplementary cards need to be swiped. 

  • Each extra guest you bring will cost $32, and this will be charged to your card.


Citi Simplicity Mastercard

Unlimited access to twenty-five regional and international lounges

Enjoy free unlimited access to select airport lounges in the Middle East and internationally for you and your Supplementary Card members.


  • Primary and supplementary cardholders can access airport lounges using the MasterCard Travel Pass app. 

  • To get into the lounge, both your main card and any extra cards must be used at the entrance. 

  • Guests will cost $32 each, which will be charged to your card. 

  • Kids older than 1 year will need to pay to enter.


Golf offers on Citibank Credit Cards

Cards Feature Details

Cit Ultima Credit Card

Citi Ultimate Credit Card

Citi Prestige Credit Card

Citi Premier Credit Card


As a primary card member, you are entitled to one free round of golf per month on weekends, while both you and your supplementary card members can enjoy unlimited free golf during weekdays.


Book your tee time at renowned golf courses like The Els Golf Club Dubai, Trump International Golf Club Dubai, and more.
To reserve your spot, make a request 15 days before your intended play date.
Golfers must have a valid handicap, with a minimum requirement of twenty-eight for men and thirty-six for women.

This offer is available to those spending at least AED 5,000 per month.
Complete the 'Citibank U.A.E. Golf Tee Time Reservation Form' to confirm your complimentary round.
Expect a confirmation email within five business days, subject to availability.

Cinema Offers on Citibank Credit Cards

Citi Ultima Credit Card: Enjoy up to four 'buy-one, get-one' complimentary movie tickets with VOX cinemas each month and up to two 'buy-one, get-one' complimentary movie tickets with Reel cinemas each month, all available any day of the week with your Citi Credit Card.

Citi Ultimate Credit Card: Avail up to four 'buy-one, get-one' complimentary movie tickets with VOX cinemas every month, valid on any day of the week with your Citi Credit Card.

Citi World Credit Card: Get a flat 30% discount on up to two movie tickets with VOX cinemas every month, redeemable on any day of the week with your Citi Credit Card.

Citi Prestige Credit Card: Enjoy up to four 'buy-one, get-one' complimentary movie tickets with VOX cinemas each month, and up to two 'buy-one, get-one' complimentary movie tickets with Reel cinemas each month, available on any day of the week with your Citi Credit Card.

Citi Premier Credit Card: Benefit from a flat 30% discount on up to four movie tickets with VOX cinemas every month, valid on any day of the week with your Citi Credit Card

Meet and greet offers on Citibank Credit Cards

Emirates-Citibank Ultima Mastercard Credit Card: Enjoy 2 complimentary Marhaba Silver Meet & Greet Services annually.

Citi Emirates-Citibank Ultimate Credit Card: Receive 1 complimentary Marhaba Bronze Meet & Greet Service per year.

Citi Emirates-Citibank World Credit Card: Benefit from one complimentary Marhaba Bronze Meet & Greet Service annually.

Citi Prestige Credit Card: Enjoy 2 complimentary Marhaba Silver Meet & Greet Services every year.

Citi Premier Credit Card: Receive 1 complimentary Marhaba Bronze Meet & Greet Service annually.

Citi PremierMiles Titanium Credit Card: Enjoy 1 complimentary Marhaba Bronze Meet & Greet Service per year.

Process: To avail a complimentary Marhaba Bronze Meet & Greet service, simply book at least 48 hours before arrival/departure by calling 24/7 CitiPhone Banking Service at +971 4 311 [4000/ 4653]. 

Late bookings can be made directly through the Marhaba call center or sales office, incurring additional charges for bookings made less than 10 hours.

Marhaba Meet & Greet service is offered on a complimentary basis to primary card members.

Cardmembers are eligible for only one complimentary booking valid for one person per calendar year.

Marhaba Bronze meet & greet: For every extra passenger traveling with you from Terminal 1 & 3, you will be required to pay AED 85 and from Terminal 2 & DWC, you will be required to pay AED 80 for arrival or departure.

Every request raised for Marhaba bookings on cards, should be complete with the following information:

  • Passenger Name

  • Flight Details

  • Arrival/ Departure Terminal at Dubai International airport

  • Number of people for which Marhaba service is required under the booking.

  • Marhaba booking reference number (i.e., M2702895)


Valet Offers on Citibank Credit Cards

With your Emirates-Citibank Ultima MasterCard, you receive two complimentary Valet Parking visits at select Valtrans locations every month.

With your Emirates-Citibank Ultimate MasterCard, you receive one complimentary Valet Parking visit at select Valtrans locations monthly.

Your Citi Prestige MasterCard entitles you to two complimentary Valet Parking visits at select Valtrans locations each month.

All complimentary visits apply to standard Valet Parking services only. This offer is applicable to both primary and supplementary cardholders.

Travel Insurance Offers on Citibank Credit Cards

Citi credit card offers complimentary Travell Accident and Medical Insurance, covering emergency medical conditions, flight delays, baggage delays, and other unexpected incidents during your travels. Protection-protection options are available anytime, anywhere to meet cardholders’ needs promptly and efficiently.

Simply ensure you have used your Citi Credit Card to purchase your airline ticket. For visa applications, contact our 24-hour CitiPhone Banking Service at +971 4 311 4000 to obtain your Certificate of Insurance. Travel Insurance is available on all Citi Ultima, Citi Ultimate, Citi World, Citi Prestige, Citi Premier, Citi Cashback, and Citi Reward Credit Cards.

Disclaimer:

The information provided on this page has been compiled on a best effort basis using publicly available information such as bank websites. All the offers mentioned on this page are accurate as of 29th March 2024. However, please note that these offers are subject to change in the future. Soulwallet strongly recommends its users verify the specific offers on the banks' websites for the latest information. We cannot guarantee the continued availability or terms of these offers beyond the date of this publication. Users are advised to exercise diligence and discretion when availing themselves of any financial products or services.



Popular Cards from Citi Income Eligibility Annual Fee Interest / Profit Rate
Citi Cashback Credit Card AED 8,000 AED 0 3.5%
Citi Emirates Ultima Card AED 36,750 AED 3000 3.5%
Citi Emirates Ultimate AED 18,000 AED 800 3.5%
Citi Emirates World Card AED 12,000 AED 400 3.5%
Citi Premier Credit Card AED 15,000 AED 750 3.5%
Citi Prestige Credit Card AED 30,000 AED 1500 3.5%
Citi Ready Credit Card AED 8,000 AED 300 15%
Citi Rewards Credit Card AED 8,000 AED 0 3.5%
Citi Simplicity Credit Card AED 5,000 AED 0 3.50%

FAQs

•    One can apply for a Citibank credit card through

•    Visiting one of the bank’s branches and submitting required documents

•    Apply directly on the bank’s online application forms.

•    Banks Kiosks at various locations

•    You can now apply directly through Soulwallet for Citibank Credit card. Your application will be re-directed to respective credit card application form with Citibank. 

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision


Citibank Simplicity card required a minimum of AED 5000 salary per month. Cashback and Reward credit cards are offered at AED 8000 per month. Their Premium Cards Prestige requires AED 30,000 and Ultima requires AED 36750 monthly salary to qualify.

Most of the Citibank Credit cards carry features such as Complimentary Cinema, Golf, Valet, Airport Transfer etc., their Citibank cashback credit cards is simple and popular with 3% on international spends, 2% on grocery and 1% on all other spend with no exclusions and no caps. Citibank also offers a welcome offer on quite a few credit cards.

Citibank Rewards and Premier Credit cards offers Thankyou points on their cards which can be redeemed on their rewards portal. One can also use their Thankyou points to shop on Amazon.

Simplicity credit card can also be called a “No Frill” card. There are no annual fee, late fee, cash advance fee or over limit fee on this credit card. This card does not have any loyalty reward though.

Citibank Cashback credit card comes with No caps, no minimum spends, no redemption process & no spend requirements. It is a simple and hassle-free cashback credit card. It offers excellent cashback on international spend ( 3% non AED spend) and  2% on grocery spend and 1% on the other spend.

Citibank cashback credit card does not have annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

Yes, if you are meeting the requirements such as income eligibility, residency status, employment etc., you are eligible to apply for a credit card even if your company is not listed.

Earn up to 2.5 Skywards Miles per USD spend with a 100% exclusive metal credit card. Redeem miles for free flights and upgrades with Emirates and partner airlines or at any of the Emirates partners in hospitality, car hire, lifestyle & retail. Enjoy complimentary Skywards Silver membership giving you extra baggage and Emirates lounge access in Dubai Airport and unlimited access to 1000+ airport lounges worldwide for you and a guest. Also enjoy unlimited golf on weekdays and 1 free round on weekends per month. Citibank Ultima credit card is offered to customers earning AED 36750 monthly salary and upwards. This card comes with an annual fee of AED 3000, which is incomparable to the benefits and features offered on the card.

Simply ensure you have used your Citi Credit Card to purchase your airline ticket to be eligible for the travel insurance benefits.

Citibank Simplicity card required a minimum of AED 5000 salary per month. Cashback and Reward credit cards are offered at AED 8000 per month. Their Premium Cards Prestige requires AED 30,000 and Ultima requires AED 36750 monthly salary to qualify.

Most of the Citibank Credit cards carry features such as Complimentary Cinema, Golf, Valet, Airport Transfer etc., their Citibank cashback credit cards is simple and popular with 3% on international spends, 2% on grocery and 1% on all other spend with no exclusions and no caps. Citibank also offers a welcome offer on quite a few credit cards.

Citibank Rewards and Premier Credit cards offers Thankyou points on their cards which can be redeemed on their rewards portal. One can also use their Thankyou points to shop on Amazon.

Simplicity credit card can also be called a “No Frill” card. There are no annual fee, late fee, cash advance fee or over limit fee on this credit card. This card does not have any loyalty reward though.

Citibank Cashback credit card comes with No caps, no minimum spends, no redemption process & no spend requirements. It is a simple and hassle-free cashback credit card. It offers excellent cashback on international spend ( 3% non AED spend) and  2% on grocery spend and 1% on the other spend

Citibank cashback credit card does not have annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

Yes, if you are meeting the requirements such as income eligibility, residency status, employment etc., you are eligible to apply for a credit card even if your company is not listed.

Citi Credit Cards offer varying levels of complimentary airport lounge access, ranging from unlimited access to over 1,100 lounges globally to access to select lounges in specific regions.

Travel Insurance is available on all Citi Ultima, Citi Ultimate, Citi World, Citi Prestige, Citi Premier, Citi Cashback, and Citi Reward Credit Cards.

•    One can apply for a Citibank credit card through

•    Visiting one of the bank’s branches and submitting required documents

•    Apply directly on the bank’s online application forms.

•    Banks Kiosks at various locations

•    You can now apply directly through Soulwallet for Citibank Credit card. Your application will be re-directed to respective credit card application form with Citibank. 

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision


The process differs depending on the type of Citi Credit Card you hold. It involves downloading the respective lounge access app, registering your card, checking lounge eligibility, generating a QR code or membership number, and presenting it at the lounge entrance.

Yes, depending on your card type, you may be able to bring one guest per visit. Additional guests may incur a fee, typically $32 per guest, charged to your card.

Supplementary cardholders can also enjoy lounge access privileges, subject to the same terms and conditions as the primary cardholder.

Yes, children older than 1 year usually require payment for lounge access, as per the terms of the respective credit card's lounge access program.

For detailed information on lounge access benefits and terms associated with your Citi Credit Card, please refer to your card's terms and conditions or contact Citi customer service.

Depending on your card type (Cit Ultima Credit Card, Citi Ultimate Credit Card, Citi Prestige Credit Card, Citi Premier Credit Card), you and your supplementary card members may enjoy complimentary rounds of golf. Primary card members are entitled to one free round per month on weekends, while unlimited free golf is available on weekdays for both primary and supplementary cardholders.

For visa applications, contact our 24-hour CitiPhone Banking Service at +971 4 311 4000 to obtain your Certificate of Insurance.

You can book tee times at renowned golf courses such as The Els Golf Club Dubai, Trump International Golf Club Dubai, and more, subject to availability.

To reserve your spot, please make a request at least 15 days prior to your intended play date. Complete the 'Citibank U.A.E. Golf Tee Time Reservation Form' to confirm your complimentary round.

Yes, golfers must have a valid handicap, with a minimum requirement of twenty-eight for men and thirty-six for women.

Yes, this offer is available to those spending at least AED 5,000 per month.

You can expect a confirmation email within five business days, subject to availability. For further assistance, please contact Citi customer service.

Citi Credit Cards offer various movie ticket benefits depending on the card type:

Citi Ultima Credit Card: Enjoy up to four  'buy-one, get-one' complimentary movie tickets with VOX cinemas each month and up to two 'buy-one, get-one' complimentary movie tickets with Reel cinemas each month.

Citi Ultimate Credit Card: Avail up to four 'buy-one, get-one'  complimentary movie tickets with VOX cinemas every month.

Citi World Credit Card: Get a flat 30% discount on up to two movie tickets with VOX cinemas every month.

Citi Prestige Credit Card: Enjoy up to four 'buy-one, get-one'  complimentary movie tickets with VOX cinemas each month, and up to two 'buy-one, get-one' complimentary movie tickets with Reel cinemas each month.

Citi Premier Credit Card: Benefit from a flat 30% discount on up to four movie tickets with VOX cinemas every month.

No, these offers are available any day of the week with your Citi Credit Card, subject to availability.

Simply use your Citi Credit Card to purchase movie tickets online or at the cinema, and the relevant discount or complimentary tickets will be automatically applied, depending on your card type.

The offer limits vary depending on the card type. Please refer to the details provided for each specific card for more information on the offer limits.

These offers cannot be combined with other promotions or discounts. Please check with the cinema for any specific terms and conditions regarding the use of these offers.

Depending on your card type, you may receive complimentary Marhaba Meet & Greet services:

Emirates-Citibank Ultima Mastercard Credit Card: Enjoy 2 complimentary Marhaba Silver Meet & Gree Services annually.

Citi Emirates-Citibank Ultimate Credit Card: Receive 1 complimentary Marhaba Bronze Meet & Greet Service per year.

Citi Emirates-Citibank World Credit Card: Benefit from one complimentary Marhaba Bronze Meet & Greet Service annually.

Citi Prestige Credit Card: Enjoy 2 complimentary Marhaba Silver Meet & Greet Services every year.

Citi Premier Credit Card: Receive 1 complimentary Marhaba Bronze Meet & Greet Service annually.

Citi PremierMiles Titanium Credit Card: Enjoy 1 complimentary Marhaba Bronze Meet & Greet Service per year.

A: Simply book at least 48 hours before arrival/departure by calling the 24/7 CitiPhone Banking Service at +971 4 311 [4000/ 4653]. Late bookings can be made directly through the Marhaba call center or sales office, though additional charges may apply for bookings made less than 10 hours in advance.

The complimentary Marhaba Meet & Greet service is offered to primary card members only, with eligibility for one complimentary booking per calendar year.

Yes, for every extra passenger traveling with you from Terminal 1 & 3, you will be required to pay AED 85, and from Terminal 2 & DWC, you will be required to pay AED 80 for arrival or departure.

Each Marhaba booking request should include the following information: Passenger Name, Flight Details, Arrival/Departure Terminal at Dubai International airport, Number of people requiring Marhaba service under the booking, and Marhaba booking reference number.

With your Emirates-Citibank Ultima MasterCard, you receive two complimentary Valet Parking visits at select Valtrans locations every month.

Holders of the Emirates-Citibank Ultimate MasterCard receive one complimentary Valet Parking visit at select Valtrans locations monthly, while Citi Prestige MasterCard holders are entitled to two complimentary Valet Parking visits each month.

Yes, all complimentary valet parking visits apply to both primary and supplementary cardholders.

All complimentary visits apply to standard Valet Parking services only.

Citi credit cards offer complimentary Travel Accident and Medical Insurance, covering emergency medical conditions, flight delays, baggage delays, and other unexpected incidents during your travels.