Last Updated on 06 August 2021

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Dubai First Emirati Card

Dubai First Bank

WarningMessage This product is discontinued by the Bank

Emirati Card

Dubai First Emirati Card
Interest Rate

3.19%

Minimum Salary

AED 10K

Fx Rate

3.9%

Annual Fee

AED 750

Balance Transfer

Yes

Cashback

Yes

Dubai First Emirati Card
interest rate

3.19%

Interest Rate

min salary

AED 10K

Minimum Salary

fx rate

3.9%

Fx Rate

annual fee

AED 750

Annual Fee

bal transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Features

  • This card is a first card which delivers features and advantages to Emiratis.
  • Get a complete control over your finances with this card.
  • Get Al Himaya insurance with this card.
  • Easy payment of utility bills.
  • Get supplementary cards with this card.
  • This card has worldwide acceptance.
  • Avail instant cash advance with this card.
  • complete 24/7 service available with this card.
  • Pay your utility bills 24/7 with this card.
  • The Forex rate on this card stands at 3.9%
  • The interest rate on this card can go up to 3.19% depending upon your payments.
  • You get an interest free period of 57 days.
  • You are required to have a minimum salary of AED 10,000 to avail this card.
  • You can transfer your balance to this card at the rate of 0.69%
  • There is a processing fee of 5% payable in 3 to 48 months.
  • The annual fee on this card is AED 750.

Main Benefits

  • You can avail complimentary lounge access across airports in MENA region.
  • Avail complimentary travel insurance with this card.
  • Get access to various MasterCard benefits and incredible discounts.
  • Access to select health premium clubs with this card.
  • Get 10% cashback on Uber rides.
  • Avail discounts on hotel reservations with this card.
  • Get a 3% discount on airfares within GCC and 5% discount on airfare to other destinations.
  • Avail book by phone facility by booking tickets on phone with this card.
  • Avail easy purchase plan with this card.
  • Avail loan on phone with this card.
  • Avail Al imtiaaz reward cashback points with this card.
  • Earn cashback of up to 3.5% .
  • If your spend is in the range of AED 1000- AED 4999, you can cashback of up to 1.0%
  • If your spend is in the range of AED 5000- AED 9999, you can cashback of up to 1.5%
  • If your spend is in the range of AED 10000- AED 14999, you can cashback of up to 2.0%
  • If your spend is more than 15000 you can cashback of up to 2.5%
  • if you spend AED 500 on any international transactions you can earn a bonus of 1% of cashback.

Frequently Asked Questions

⭐ What are the features of Al Himaya insurance?

A. Al Himaya insurance covers your outstanding amount in the case of death, permanent total disability and Involuntary loss of employment. This benefit also provides Hospitalisation cash benefit of up to AED 200, life insurance of up to AED 75,000 and complimentary travel insurabce of up to AED 10,00,000.

⭐ Is Al Himaya insurance exclusively for Emirati cardholders?

A. Yes, this insurance is exclusively designed for Emirati cardholders.

⭐ What is the maximum amount of Purchase protection that I can avail with this card?

A. Purchase protection is provided on this card for the amount up to AED 40,000 per year.

⭐ In what all countries can I avail cashback of 1%?

A. You can avail cash back of 1% on any international transactions amounting to AED 500.

⭐ Can I withdraw cash from any ATM ?

A. You can withdraw cash from 8,00,000 ATMs around the world.

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