Citi Ready Credit (Titanium Mastercard) review
This card sits apart from Citi's rewards range. It carries no cashback or points program, instead offering a credit line of up to 6x monthly income or AED 175,000, whichever is lower, with up to 100% of that limit available as instant cash transferred to any UAE bank account. At 3.25% per month, around 39% APR, it undercuts the 42% APR on Citi's other cards.
New customers can book their first loan within a month at an introductory rate from 15% per annum, and the AED 300 fee is waived from year 2 without conditions, making the card effectively free to hold. As a Titanium Mastercard it also references access to 1,300 airport lounges as a network benefit, though no visit allowance is published.
The limitations are clear: there are no supplementary cards, no welcome credit and no rewards, so this is a borrowing tool rather than an everyday spending card.
Card details
| Bank | Citibank |
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| Card type | Rewards |
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| Card network | Mastercard |
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| Minimum salary | AED 8,000 |
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| Annual fee | AED 315 |
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| Fee waiver | There is no annual membership fee in year 1, and per the Citi page the AED 300 fee is waived for year 2 onwards without conditions, making it effectively free; 5% VAT applies to any charged fees. |
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| Interest (monthly) | 3.25% |
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| Reward type | none |
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| Reward rate | This card carries no rewards or cashback program; it offers Mastercard Titanium privileges only.This is a cash-advance-focused credit line product issued with a Titanium Mastercard; while Citi lists it among its credit cards, it is designed for borrowing cash rather than earning rewards, and no supplementary cards are available. |
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| Welcome bonus | New customers get a special introductory rate starting from 15% per annum on the first loan booked within one month of card approval.New Citi customers only | 15% annual rate applies during term of 1st loan booked | Loan must be booked within 1 month of card approval |
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| Lounge access | Access to 1,300 airport lounges, available only when a pre-registered flight is delayed by 1 hour or more |
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| Quick cash | Instant cash advance of up to 100% of the credit limit can be transferred to any UAE bank account; the credit limit runs up to 6x monthly income or AED 175,000, whichever is lower, with a cash advance fee of 3% (minimum AED 99, maximum AED 250). |
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| Balance transfer | Not published for this product. |
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| Instalment plan | Loan on Card with instalment repayment is available at account opening; the Easy Installment Plan 1% early settlement fee does not apply to Ready Credit. |
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Welcome bonus: New customers get a special introductory rate starting from 15% per annum on the first loan booked within one month of card approval.
Terms: New Citi customers only | 15% annual rate applies during term of 1st loan booked | Loan must be booked within 1 month of card approval
Citi Ready Credit (Titanium Mastercard) benefits
✓Credit line up to 6x monthly income or AED 175,000
✓Instant cash up to 100% of your limit to your bank account
✓Lower interest than other Citi cards at 3.25% per month, around 39% APR
✓Introductory loan rate from 15% p.a. for new customers in the first month
✓Effectively no annual fee, waived from year 2 without conditions
✓No over-limit fee
✓20% Talabat discount up to AED 14 once a month
Offers and payment options
Quick cashInstant cash advance of up to 100% of the credit limit can be transferred to any UAE bank account; the credit limit runs up to 6x monthly income or AED 175,000, whichever is lower, with a cash advance fee of 3% (minimum AED 99, maximum AED 250).
Balance transferNot published for this product.
Instalment planLoan on Card with instalment repayment is available at account opening; the Easy Installment Plan 1% early settlement fee does not apply to Ready Credit.
Citi Ready Credit (Titanium Mastercard) fees & charges
| Annual percentage rate (APR) | 39.00% (unchanged after 01 Oct 2026 revision) |
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| Cash advance fee | 3% of cash advance amount or AED 99 whichever is higher, max charge AED 250 |
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| Late payment fee | 241.50 |
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| Over-limit fee | Not applicable for Citi Ready Credit |
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| Foreign currency fee | 2.99 |
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| Minimum payment | Higher of AED 100 or 2.74% of current balance |
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| Interest-free period | up to 52 days (min 21) |
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| Card replacement fee | 52.50 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card is best for borrowers earning AED 8,000 or more who need flexible, reusable cash credit at Citi's lowest card interest rate.
What works well
- ✓Cheapest revolving cash borrowing in the Citi lineup at 39% APR versus 42%
- ✓Full limit available as cash with no rewards gimmicks
- ✓Effectively fee-free
What to weigh up
- −No rewards, cashback or welcome statement credit
- −No supplementary cards
- −Primarily a borrowing product, a poor fit for everyday retail spend
Citi Ready Credit (Titanium Mastercard) eligibility
Requires a minimum income of AED 8,000 per month; open to UAE nationals or residents aged 18 to 64 at application.
▤Emirates ID▤Passport▤Valid UAE visa copy▤Salary account IBAN
Citi Ready Credit (Titanium Mastercard) FAQs
Requires a minimum income of AED 8,000 per month; open to UAE nationals or residents aged 18 to 64 at application.
The listed annual fee is AED 315. There is no annual membership fee in year 1, and per the Citi page the AED 300 fee is waived for year 2 onwards without conditions, making it effectively free; 5% VAT applies to any charged fees.
This card carries no rewards or cashback program; it offers Mastercard Titanium privileges only.
This card is best for borrowers earning AED 8,000 or more who need flexible, reusable cash credit at Citi's lowest card interest rate.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
