Citibank UAE
Citi Ultima Credit Card
- Salary
- AED 36,750
- Fee
- AED 3,000
- Reward
- miles
Card comparison
Citi Ultima Credit Card vs Etihad Guest Premium Credit Card vs Flex Elite Covered Card vs Etihad Guest Platinum Credit Card
Compare Citi Ultima Credit Card from Citibank UAE, Etihad Guest Premium Credit Card from Emirates Islamic, Flex Elite Covered Card from Emirates Islamic,…
Citibank UAE
Citi Ultima Credit Card
Emirates Islamic
Etihad Guest Premium Credit Card
- Salary
- AED 20,000
- Fee
- AED 2,625
- Reward
- Etihad Guest Miles
Emirates Islamic
Flex Elite Covered Card
- Salary
- AED 15,000
- Fee
- AED 735
- Reward
- EI SmartMiles
Emirates Islamic
Etihad Guest Platinum Credit Card
- Salary
- AED 5,000
- Fee
- AED 208.95
- Reward
- Etihad Guest Miles
Side by side
Compare key facts
Citi Ultima Credit CardCitibank UAEEtihad Guest Premium Credit CardEmirates IslamicFlex Elite Covered CardEmirates IslamicEtihad Guest Platinum Credit CardEmirates Islamic
Rewards
Reward details
Citi Ultima Credit Card
AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Etihad Guest Premium Credit Card
- Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent
- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Eligibility
Minimum Salary
Citi Ultima Credit CardAED 36,750↑
Etihad Guest Premium Credit CardAED 20,000•
Flex Elite Covered CardAED 15,000•
Etihad Guest Platinum Credit CardAED 5,000↓
Required Documents
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit Card
Proof of salary - Latest salary certificate or payslips - Minimum salary of AED 20,000- ID proof - Valid Emirates ID or passport - A valid passport or Emirates ID
- Address proof - Utility bill or tenancy contract - Proof of address such as utility bill or tenancy contract
Flex Elite Covered Card
- Proof of salary - Latest salary certificate or payslips - Proof of salary: latest salary certificate or payslips
- Identity proof - Valid Emirates ID or passport
- Address proof - Utility bill or tenancy contract
Etihad Guest Platinum Credit Card
- Valid Emirates ID - Mandatory - A valid Emirates ID
- Proof of Income - Mandatory - Latest salary certificate or proof of income
- Passport - Mandatory - Valid passport
Fees and rates
Annual Fee
Citi Ultima Credit CardAED 3,000↑
Etihad Guest Premium Credit CardAED 2,625•
Flex Elite Covered CardAED 735•
Etihad Guest Platinum Credit CardAED 208.95↓
First Year Annual Fee
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardAED 0•
Flex Elite Covered CardAED 0•
Etihad Guest Platinum Credit CardAED 0•
Foreign Transaction Fee
Citi Ultima Credit Card2.99%↑
Etihad Guest Premium Credit Card2.34%↓
Flex Elite Covered Card2.34%↓
Etihad Guest Platinum Credit Card2.34%↓
APR
Citi Ultima Credit Card42% APR↓
Etihad Guest Premium Credit Card44.28% APR↑
Flex Elite Covered Card44.28% APR↑
Etihad Guest Platinum Credit Card44.28% APR↑
Cash Advance Fee
Citi Ultima Credit CardAED 3↓
Etihad Guest Premium Credit CardAED 3.15↑
Flex Elite Covered CardAED 3.15↑
Etihad Guest Platinum Credit CardAED 3.15↑
Late Payment Fee
Citi Ultima Credit CardAED 230
Etihad Guest Premium Credit CardNot listed
Flex Elite Covered CardNot listed
Etihad Guest Platinum Credit CardNot listed
Cashback and rewards
Cashback details
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
Etihad Guest Premium Credit Card
- Cashback
Flex Elite Covered Card
- Cashback
Etihad Guest Platinum Credit Card
- Cashback
Rewards
Citi Ultima Credit Card
AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Etihad Guest Premium Credit Card
- Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent
- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Reward Rate
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Etihad Guest Premium Credit Card
- Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent
- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Welcome Bonus
Citi Ultima Credit Card
- AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 60 days.
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Low fee
Etihad Guest Premium Credit Card
- Up to 3.5 Miles per USD - Earn up to 3.5 Etihad Guest Miles per USD spent
- Up to 2-60% vouchers - Up to 2- 60% Etihad Guest Miles Discount Vouchers
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
Travel
Airport Lounge Access
Citi Ultima Credit CardYes
Etihad Guest Premium Credit Cardmentioned
Flex Elite Covered CardUnlimited access to 1,200+ lounges worldwide
Etihad Guest Platinum Credit Cardmentioned
Card Network
Citi Ultima Credit CardMastercard World Elite
Etihad Guest Premium Credit CardVisa
Flex Elite Covered CardVisa
Etihad Guest Platinum Credit CardVisa
Card type
Sharia Compliant
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardYes
Flex Elite Covered CardYes
Etihad Guest Platinum Credit CardYes
Islamic
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardYes
Flex Elite Covered CardYes
Etihad Guest Platinum Credit CardYes
Other useful facts
APR
Citi Ultima Credit Card42%↓
Etihad Guest Premium Credit Card44.28%↑
Flex Elite Covered Card44.28%↑
Etihad Guest Platinum Credit Card44.28%↑
Monthly purchase rate
Citi Ultima Credit Card3.5%
Etihad Guest Premium Credit CardNot listed
Flex Elite Covered CardNot listed
Etihad Guest Platinum Credit CardNot listed
Movie Benefit
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardMovie Offers
Flex Elite Covered CardRoxy Cinemas
Etihad Guest Platinum Credit CardMovie Offers
Card Name
Citi Ultima Credit CardCiti Ultima Credit Card
Etihad Guest Premium Credit CardEtihad Guest Premium Credit Card
Flex Elite Covered CardFlex Elite Covered Card
Etihad Guest Platinum Credit CardEtihad Guest Platinum Credit Card
Standard Annual Fee
Citi Ultima Credit Card3,000%↑
Etihad Guest Premium Credit Card2,625%•
Flex Elite Covered Card735%•
Etihad Guest Platinum Credit Card208.95%↓
Monthly Retail Cash Rate
Citi Ultima Credit Card3.5%
Etihad Guest Premium Credit CardNot listed
Flex Elite Covered CardNot listed
Etihad Guest Platinum Credit CardNot listed
Overlimit Fee
Citi Ultima Credit Card249%
Etihad Guest Premium Credit CardNot listed
Flex Elite Covered CardNot listed
Etihad Guest Platinum Credit CardNot listed
Interest Free Period
Citi Ultima Credit Card21%
Etihad Guest Premium Credit CardNot listed
Flex Elite Covered CardNot listed
Etihad Guest Platinum Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Citi Ultima Credit CardCitibank UAE | Etihad Guest Premium Credit CardEmirates Islamic | Flex Elite Covered CardEmirates Islamic | Etihad Guest Platinum Credit CardEmirates Islamic |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 36,750↑ | AED 20,000• | AED 15,000• | AED 5,000↓ |
| Required Documents | Not listed |
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| Fees and rates | ||||
| Annual Fee | AED 3,000↑ | AED 2,625• | AED 735• | AED 208.95↓ |
| First Year Annual Fee | Not listed | AED 0• | AED 0• | AED 0• |
| Foreign Transaction Fee | 2.99%↑ | 2.34%↓ | 2.34%↓ | 2.34%↓ |
| APR | 42% APR↓ | 44.28% APR↑ | 44.28% APR↑ | 44.28% APR↑ |
| Cash Advance Fee | AED 3↓ | AED 3.15↑ | AED 3.15↑ | AED 3.15↑ |
| Late Payment Fee | AED 230 | Not listed | Not listed | Not listed |
| Cashback and rewards | ||||
| Cashback details |
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| Rewards |
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| Reward Rate |
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| Welcome Bonus |
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| Travel | ||||
| Airport Lounge Access | Yes | mentioned | Unlimited access to 1,200+ lounges worldwide | mentioned |
| Card Network | Mastercard World Elite | Visa | Visa | Visa |
| Card type | ||||
| Sharia Compliant | Not listed | Yes | Yes | Yes |
| Islamic | Not listed | Yes | Yes | Yes |
| Other useful facts | ||||
| APR | 42%↓ | 44.28%↑ | 44.28%↑ | 44.28%↑ |
| Monthly purchase rate | 3.5% | Not listed | Not listed | Not listed |
| Movie Benefit | Not listed | Movie Offers | Roxy Cinemas | Movie Offers |
| Card Name | Citi Ultima Credit Card | Etihad Guest Premium Credit Card | Flex Elite Covered Card | Etihad Guest Platinum Credit Card |
| Standard Annual Fee | 3,000%↑ | 2,625%• | 735%• | 208.95%↓ |
| Monthly Retail Cash Rate | 3.5% | Not listed | Not listed | Not listed |
| Overlimit Fee | 249% | Not listed | Not listed | Not listed |
| Interest Free Period | 21% | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback* | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
Citi Ultima Credit CardCashback · Miles · Lounge
|
Citibank UAE | AED 3,000 | AED 36,750 | 42% APR |
|      | Mastercard World Elite | Details | |
Etihad Guest Premium Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 2,625 | AED 20,000 | 44.28% APR |
|  | Visa | Details | |
Flex Elite Covered CardCashback · Miles · Lounge
|
Emirates Islamic | AED 735 | AED 15,000 | 44.28% APR |
| | Visa | Details | |
Etihad Guest Platinum Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 208.95 | AED 5,000 | 44.28% APR |
|  | Visa | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.