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Citi Ready Credit Card
No early repayment fees, so you can repay in instalments or repay early in lump sum without worrying about additional charges
Overview
Get an instant cash loan up to 6X your monthly salary or AED 175,000 (whichever is lower) at a special rate of 15%* p.a. with Citi Ready Credit Card Sign-up once and borrow as many loans as you need 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 instalments or repay early in lump sum without worrying about additional charges
*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.
Benefits
Instant cash loan 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 instalments (up to 48 months) or repay early in lump sum without worrying about additional charges
20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout
Access to 1,200+ airport lounges worldwide with a lounge pass if any pre-registerd flights are delayed for by 1 hour or more
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.
Fees and key details
Basic eligibility
Documents you may need
The issuer may request documents to verify your identity, residency, employment and income.
Emirates ID
Valid passport
Valid UAE residence visa
Salary certificate or recent bank statements
Trade licence or business documents, for self-employed applicants
Any additional documents requested by the issuer
How the process works
Understand the available features, fees, eligibility requirements and repayment conditions.
Submit your details and consent to be contacted.
The FinShark team or authorised fulfilment partner will explain the relevant process and available information.
The issuer assesses the application, supporting documents, income and credit profile before making a final decision.
Submission of your details does not constitute approval. Final eligibility, terms and approval are determined by the issuer.
Important information
Product information is provided for general comparison purposes and may change. Eligibility, fees, rewards, benefits and approval are determined by the card issuer. Terms and conditions apply.
Frequently asked questions
What is the minimum monthly salary required for Citi Ready Credit?
The minimum monthly salary required for Citi Ready Credit is AED 8,000.
What is the Annual Membership Fee for Citi Ready Credit?
The Annual Membership Fee is AED 300 and is waived indefinitely.
Is the Citi Ready Credit annual fee waived?
No AMF applies in year 1. The AMF is waived for year 2 onwards without conditions.
How much can be borrowed with Citi Ready Credit?
Citi Ready Credit offers an instant cash loan up to 6X your monthly salary or AED 175,000, whichever is lower.
Can the Citi Ready Credit loan be transferred to a UAE bank account?
An instant cash loan of up to 100% of the credit limit can be transferred to your bank account anywhere in the UAE.
What special rate is available with Citi Ready Credit?
A special rate from 15% per annum is available for the first loan booked within 1 month from card approval.
Who is eligible for the 15% annual rate?
The 15% annual rate is applicable only for new Citibank customers during the term of the first loan booked within 1 month of card approval.
When must the first Citi Ready Credit loan be booked?
The first loan must be booked within 1 month of card approval for the special rate to apply.
What loan tenures are available with Citi Ready Credit?
The minimum tenure is 24 months and the maximum tenure is 48 months.
Can multiple loans be taken with Citi Ready Credit?
You can sign up once and borrow as many loans as you need within your credit limit at a click of a button. There is no need to re-apply for new loans in the future.
Does Citi Ready Credit charge an early repayment fee?
There are no early repayment fees.
Can a Citi Ready Credit loan be repaid early?
You can repay in instalments for up to 48 months or repay early in a lump sum without worrying about additional charges.
What Talabat benefit is available with Citi Ready Credit?
Citi Ready Credit provides a 20% discount, up to AED 14, on grocery and food orders once a month on the Talabat app using code “MASTERCARD”.
What is the Citi Ready Credit Titanium Flight Delay Program?
The Titanium Flight Delay Program provides access to 1,200+ airport lounges worldwide with a lounge pass if a pre-registered flight is delayed by 1 hour or more.
Does Citi Ready Credit offer a rewards programme?
Rewards are listed as N/A for Citi Ready Credit.
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