Citibank N. A.
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 RAKBANK Emirates Skywards World Elite Credit Card vs Flex Elite Covered Card
Compare Citi Ultima Credit Card from Citibank N. A., Etihad Guest Premium Credit Card from Emirates Islamic, RAKBANK Emirates Skywards World Elite Credit…
Citibank N. A.
Citi Ultima Credit Card
Emirates Islamic
Etihad Guest Premium Credit Card
- Salary
- AED 20,000
- Fee
- AED 2,625
- Reward
- Etihad Guest Miles
RAKBANK
RAKBANK Emirates Skywards World Elite Credit Card
- Salary
- AED 25,000
- Fee
- AED 1,200
- Reward
- 1%
Emirates Islamic
Flex Elite Covered Card
- Salary
- AED 15,000
- Fee
- AED 735
- Reward
- EI SmartMiles
Side by side
Compare key facts
Citi Ultima Credit CardCitibank N. A.Etihad Guest Premium Credit CardEmirates IslamicRAKBANK Emirates Skywards World Elite Credit CardRAKBANKFlex Elite Covered 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
- 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
RAKBANK Emirates Skywards World Elite Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Groceries
- Travel
- Cinema
- Low fee
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
Eligibility
Minimum Salary
Citi Ultima Credit CardAED 36,750↑
Etihad Guest Premium Credit CardAED 20,000•
RAKBANK Emirates Skywards World Elite Credit CardAED 25,000•
Flex Elite Covered CardAED 15,000↓
Required Documents
Citi Ultima Credit Card
Valid Emirates ID- Passport
- UAE visa copy for expatriates
- Salary account IBAN
- Passport number during application
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
RAKBANK Emirates Skywards World Elite Credit Card
- Proof of salary - Latest salary certificate or payslips - Travel: Minimum monthly salary AED 25,000.
- Identity proof - Valid Emirates ID or passport - A valid passport
- Address proof - Utility bill or tenancy contract - Latest 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
Fees and rates
Annual Fee
Citi Ultima Credit CardAED 3,000↑
Etihad Guest Premium Credit CardAED 2,625•
RAKBANK Emirates Skywards World Elite Credit CardAED 1,200•
Flex Elite Covered CardAED 735↓
Joining Fee
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardNot listed
RAKBANK Emirates Skywards World Elite Credit CardAED 5,000
Flex Elite Covered CardNot listed
First Year Annual Fee
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardAED 0•
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardAED 0•
Foreign Transaction Fee
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit Card2.34%↓
RAKBANK Emirates Skywards World Elite Credit Card2.57%↑
Flex Elite Covered Card2.34%↓
APR
Citi Ultima Credit Card42% APR↓
Etihad Guest Premium Credit Card44.28% APR↑
RAKBANK Emirates Skywards World Elite Credit Card43.8% APR•
Flex Elite Covered Card44.28% APR↑
Cash Advance Fee
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardAED 3.15•
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardAED 3.15•
Late Payment Fee
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardNot listed
RAKBANK Emirates Skywards World Elite Credit CardAED 241.5
Flex Elite Covered 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
RAKBANK Emirates Skywards World Elite Credit Card
- The RAKBANK Emirates Skywards World Elite Credit Card offers travel and lifestyle benefits including Skywards Miles bonuses, lounge access, airport transfers, and cashback rewards.
- Up to 1%
Flex Elite Covered 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
- 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
RAKBANK Emirates Skywards World Elite Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Groceries
- Travel
- Cinema
- Low fee
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
Headline cashback
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
RAKBANK Emirates Skywards World Elite Credit Card
- The RAKBANK Emirates Skywards World Elite Credit Card offers travel and lifestyle benefits including Skywards Miles bonuses, lounge access, airport transfers, and cashback rewards.
- Up to 1%
Flex Elite Covered Card
- Cashback
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
- 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
RAKBANK Emirates Skywards World Elite Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Groceries
- Travel
- Cinema
- Low fee
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
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
- 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
RAKBANK Emirates Skywards World Elite Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Groceries
- Travel
- Cinema
- Low fee
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
Travel
Airport Lounge Access
Citi Ultima Credit CardYes
Etihad Guest Premium Credit Cardmentioned
RAKBANK Emirates Skywards World Elite Credit Cardmentioned
Flex Elite Covered CardUnlimited access to 1,200+ lounges worldwide
Card Network
Citi Ultima Credit CardMastercard World Elite
Etihad Guest Premium Credit CardVisa
RAKBANK Emirates Skywards World Elite Credit CardMastercard
Flex Elite Covered CardVisa
Card type
Sharia Compliant
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardYes
RAKBANK Emirates Skywards World Elite Credit CardYes
Flex Elite Covered CardYes
Islamic
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardYes
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardYes
Other useful facts
APR
Citi Ultima Credit Card42%↓
Etihad Guest Premium Credit Card44.28%↑
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered Card44.28%↑
Monthly purchase rate
Citi Ultima Credit Card3.5%
Etihad Guest Premium Credit CardNot listed
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardNot listed
Movie Benefit
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardMovie Offers
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardRoxy Cinemas
Annual Fee First Year
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit Card0%
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardNot listed
Annual Fee Subsequent
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit Card1,500%
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardNot listed
Earn Rate
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit Card3.5%↓
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered Card3.75%↑
Fast Track Gold
Citi Ultima Credit CardNot listed
Etihad Guest Premium Credit CardYes
RAKBANK Emirates Skywards World Elite Credit CardNot listed
Flex Elite Covered CardNot listed
Card Name
Citi Ultima Credit CardCiti Ultima Credit Card
Etihad Guest Premium Credit CardEtihad Guest Premium Credit Card
RAKBANK Emirates Skywards World Elite Credit CardRAKBANK Emirates Skywards World Elite Credit Card
Flex Elite Covered CardFlex Elite Covered Card
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Citi Ultima Credit CardCitibank N. A. | Etihad Guest Premium Credit CardEmirates Islamic | RAKBANK Emirates Skywards World Elite Credit CardRAKBANK | Flex Elite Covered CardEmirates Islamic |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
|
|
|
|
| Eligibility | ||||
| Minimum Salary | AED 36,750↑ | AED 20,000• | AED 25,000• | AED 15,000↓ |
| Required Documents |
|
|
|
|
| Fees and rates | ||||
| Annual Fee | AED 3,000↑ | AED 2,625• | AED 1,200• | AED 735↓ |
| Joining Fee | Not listed | Not listed | AED 5,000 | Not listed |
| First Year Annual Fee | Not listed | AED 0• | Not listed | AED 0• |
| Foreign Transaction Fee | Not listed | 2.34%↓ | 2.57%↑ | 2.34%↓ |
| APR | 42% APR↓ | 44.28% APR↑ | 43.8% APR• | 44.28% APR↑ |
| Cash Advance Fee | Not listed | AED 3.15• | Not listed | AED 3.15• |
| Late Payment Fee | Not listed | Not listed | AED 241.5 | Not listed |
| Cashback and rewards | ||||
| Cashback details |
|
|
|
|
| Rewards |
|
|
|
|
| Headline cashback |
|
|
|
|
| Reward Rate |
|
|
|
|
| Welcome Bonus |
|
|
|
|
| Travel | ||||
| Airport Lounge Access | Yes | mentioned | mentioned | Unlimited access to 1,200+ lounges worldwide |
| Card Network | Mastercard World Elite | Visa | Mastercard | Visa |
| Card type | ||||
| Sharia Compliant | Not listed | Yes | Yes | Yes |
| Islamic | Not listed | Yes | Not listed | Yes |
| Other useful facts | ||||
| APR | 42%↓ | 44.28%↑ | Not listed | 44.28%↑ |
| Monthly purchase rate | 3.5% | Not listed | Not listed | Not listed |
| Movie Benefit | Not listed | Movie Offers | Not listed | Roxy Cinemas |
| Annual Fee First Year | Not listed | 0% | Not listed | Not listed |
| Annual Fee Subsequent | Not listed | 1,500% | Not listed | Not listed |
| Earn Rate | Not listed | 3.5%↓ | Not listed | 3.75%↑ |
| Fast Track Gold | Not listed | Yes | Not listed | Not listed |
| Card Name | Citi Ultima Credit Card | Etihad Guest Premium Credit Card | RAKBANK Emirates Skywards World Elite Credit Card | Flex Elite Covered Card |
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 N. A. | AED 3,000 | AED 36,750 | 42% APR | Not listed | Cashback Miles Lounge Travel Low fee | Mastercard World Elite | Details | |
|
Etihad Guest Premium Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 2,625 | AED 20,000 | 44.28% APR | Up to 3.5 Etihad Guest Miles per USD spent | CashbackMilesLoungeTravel Cinema IslamicLow fee | Visa | Details | |
|
RAKBANK Emirates Skywards World Elite Credit CardCashback · Miles · Lounge
|
RAKBANK | AED 1,200 | AED 25,000 | 43.8% APR | 1% | CashbackMilesLounge Dining GroceriesTravelCinemaLow fee | Mastercard | Details | |
|
Flex Elite Covered CardCashback · Miles · Lounge
|
Emirates Islamic | AED 735 | AED 15,000 | 44.28% APR | AED 3.75 | CashbackMilesLoungeTravelCinemaIslamicLow fee | 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.
Side by side
Comparison table
Select up to four products above.
Check before you apply
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.