Citi
Citi Ready Credit

This card does not have a reward feature

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

• 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.