Effective August 2024
Current, Call and Savings Accounts
Minimum Monthly Average Balance Requirement per
Account
Monthly Fee per Account
AED 3,000 or more Free
Less than AED 3,000^
AED 25 (No charge for Citigold (CG) and Citigold Private
Client (CPC))
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Banking Transactions
Check Collection Charges Direct Debit Instruction Banking Account
Outgoing Check Collection (FCY)^
AED 50 (No
charge for CPC)
+ Correspondent
Bank Charges + AED
60 if couriered (for
FCY checks) (No
charge for CPC)
Direct Debit Set up/
Cancellation/
Amendment Request
Free
Returned Check - Incoming Clearing /
Collection Checks^
AED 100 (No charge
for CPC)
Direct Debit Payment Request -
Stop Payment (per instance)
Free
Manager’s Checks / Demand Drafts
Issuance Fees for Manager’s Checks^
AED 30 (No charge
for CPC)
Direct Debit payment Request
Return- Insufficient Funds^
AED 25
(No charge for CPC)
Issuance Fees for Demand Drafts^
AED 75 (No charge
for CPC)
Banking Transactions
Citibank ATM / Debit Card Fees
Citibank Account
Holder
Citigold Account
Holder
Citigold Private
Client (CPC)
Issuance Fee / Annual Membership Fee Free Free Free
Supplementary Card Issuance Fee^ AED 25 Free Free
Replacement Fee^ AED 25 AED 25 Free
PIN Maintenance Fee^ AED 25 AED 25 Free
Citibank ATM Transactions in UAE or Abroad Free Free Free
Non-Citibank ATM Transactions in UAE^
AED 2 per transaction
Free Free
Non-Citibank ATM Transactions Abroad (Prevailing
bank foreign exchange rates will apply on all
currency conversions)^
USD 5 per
transaction
1 Free transaction
per month, USD
5 per additional
transaction
Free
Copy of Sales Slip^ AED 25 AED 25 Free
Banking Transactions
Check Book Services
Citibank Account
Holder
Citigold Account
Holder
Citigold Private
Client (CPC)
First Check Book (10 leaves) Free Free Free
Subsequent Check Books^ AED 25 Free Free
Copies of Checks (less than 1 year)^ AED 10 Free Free
Copies of Checks (over 1 year)^ AED 20 AED 20 Free
Stop Payments (per instrument / Check)^ AED 50 per request Free
Standing Instructions Citibank and Citigold Account Holder
Citigold Private
Client (CPC)
Set-up Charges^ AED 50 Free
Penalty for Insufficient Funds^ AED 25 Free
Banking Transactions
Statement
Citibank Account
Holder
Citigold Account
Holder
Citigold Private Client
(CPC)
Additional Statement Requests (per statement
cycle)^
AED 25 Free Free
Foreign Exchange Related Fees on Purchase / Sale of
Currency Notes
Citibank and Citigold Citigold Private Client (CPC)
Fees on purchase / Sale of currency notes^ 1% of total amount Free
USD cash deposits / withdrawal (ATM & Teller)^ 1% of total amount Free
Banking Transactions
Funds Transfer Charges to all destinations within and outside UAE (Branch Fee per transfer in USD or equivalent in
other currencies)
Transfer Amount
Citibank Account
Holder
Citigold Account
Holder
Citigold Private
Client (CPC) Account
Holder
USD 1 to 2,499^ USD 20 USD 15 Free
USD 2,500 to 9,999^ USD 25 USD 20 Free
USD 10,000 to 49,999^ USD 40 USD 35 Free
USD 50,000 to 100,000^ USD 75 USD 50 Free
USD 100,000+^ USD 175 USD 150 Free
Correspondent Banks may charge commissions, fees or other charges in relation to the Fund Transfer instruction.
Banking Transactions
Online Funds Transfer Charges (Citibank Online Internet instruction Fee per transfer)
Funds Transfer (in USD or equivalent in other currencies)
Transfer Amount Currency (Inside/Outside UAE)
Citibank & Citigold Account
Holder
Citigold Private Client (CPC)
Account Holder
USD 1 to 2,499^ USD 10 Free
USD 2,500 to 9,999^ USD 15 Free
USD 10,000 to 49,999^ USD 25 Free
USD 50,000+^ USD 50 Free
Banking Transactions
Local Currency Fund Transfer Charges
Foreign
Currency
(Incoming)
Faster Payments Utility Bill Payments
Incoming Citibank
Account Holders
Outgoing
Free
Outgoing
charges^
Free
Payment
through
internet/
ATM /
Citiphone
Banking
Free
AED 1^
Online Free
Incoming
charges^
Manual
AED 5
No charge for Citigold and Citigold Private Client (CPC)
Banking Transactions
Banking Transactions
Wealth Management Products Overdraft Interest Rates (USD)*
Mutual Funds^
Max. upfront charge on subscription/switch up to 5% of
the subscription/switch amount. For SIP, fees equivalent to 2% of
each monthly investment contribution is applicable (the “Plan fee”).
Max. Interest rate for
Secured Overdrafts
3-month Secured Facility
Base Lending Rate + 6% p.a.
Structured Notes^
Any embedded spread as per the product term sheet or up to 4% total charge. Early redemption charges of up to 2% apply.
Fixed Income Securities^
Max. upfront charge on subscription/redemption up to 3% of the subscription/redemption amount and broker fees CHF 75
per transactionő
Foreign Exchange Rates
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Penalty for Payment before maturity
Life Insurance^
All product related charges applicable and levied by the
insurance company are disclosed at the time of subscribing to
these products. Please refer to offer documents for the sameő
Early
termination
charge
Early termination charge would apply on fixed
rate margin loans availed against terms of
Master Securities Backed Credit Facility (Port-
folio Power Agreement) available on
www.citibank.ae. The early termination charge
would be a factor of difference in interest rate
fixed at the loan inception until its maturity and
interest rate applicable at the date of loan pre-
closure as ascertained by Citibank. Please refer
to the Key Fact Statement for illustrationső
*Accrued monthly charged quarterly
Wealth Management Products Overdraft Interest Rates (USD)*
Online Brokerage^
For mutual funds and fixed income securities upfront
charge of 0.99% on traded amount. For equities, upfront
charge of 0.3% in the gross value of the transaction, and
any applicable broker fees, ADR / GDR Handling fee,
exchange fees, stamp duty/ taxes and any other fee /
charges, depending on the market.
Safekeeping charges on Equities, Exchange Traded Funds (ETF) and Fixed Income Securities will be 0.2% p.a. of the value
of assets under custody calculated on the average balance of assets under custody and charged quarterly.^
Exit Charges on any products (if applicable) may be applied by the fund house/product provider/issuer. Please refer to the
Terms and Conditions or prospectus. Assets Under Management (AUM) transfers out of Citi will incur a fee of 0.5% on the
value transferred.^
*Accrued monthly charged quarterly
Banking Transactions
Credit Cards
Credit Cards Fees and Interest Charges
Annual Membership Fee
(AMF)^
Monthly Retail/Cash
Interest Rate (fixed rate)*
Annual Percentage Rate for
Retail/Cash (fixed rate)
AED , 00 3. % %
Citi Premier AED 750
3.
%
%
Citi Rewards AED 300
3.
% %
Citi Cashback AED 300
3.
% %
Citi Ready Credit AED 300 3.25% 39%
Emirates - Citibank Credit Cards***
Ultima Visa/Ultima MasterCard AED 3,000
3.
% %
Ultimate AED 800
3.
% %
World/Gold AED 400
3.
% %
Silver
AED 250
3.
% %
*This is Annual Percentage rate divided by 12
.
Citi Prestige AED 1,500
3. %
%
Credit Cards Fees and Interest Charges
Annual Membership Fee
(AMF)^
Monthly Retail/Cash
Interest Rate (fixed rate)*
Annual Percentage Rate for
Retail/Cash (fixed rate)
Citi PremierMilesŜŜŜ
Elite AED 1,500
ČőĎĉLj
World/ Platinum/ Signature AED 750
3.5ĉ% čċLj
Titanium AED 400
3.Ďĉ%
čċ%
Citi LifeŜŜŜ
World Elite/ Infinite AED 600
3.Ďĉ%
čċ%
Platinum/ Gold AED 300
3.Ďĉ%
čċ%
Silver AED 50-150
3.Ďĉ%
čċ%
Citi Simplicity - 3.50% 42%
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Credit Cards
42%
Supplementary Card (AMF)^ - Free (Supplementary card is not available for Citi Ready Credit)
e-card (AMF)^ - FreeŜ**
Paper Statement Fee/Copy^
AED 10 / AED 25 per month This will be multiplied by the number
of months, in case of multiple months’ statement request
Courier Charges^
As per applicable courier service charges. Charges may vary
depending on courier service provider
Loan on Card/Easy Installment Plan Early Settlement Fee^
1% of remaining balance
Loan on Card Early Settlement Fee is not applicable on Citi
Ready Credit
Outgoing Check Collection Fee^ (LCY / FCY)
AED 50 + Correspondent Bank Charges + AED 60 if couriered
(FCY Checks)
Manager’s Check Issued for Credit Balances^ AED 25
Returned Check Fee^ AED 100
Credit Cards
ŜŜŜBÌæÌØÅæÌÅ÷Øؾ¬æ¬ÌÅßő
Check Clearance^
Proceeds will be credited to the card account on clearance of the Check
Processing Margin for International and/or Foreign Currency
Transactions
2.99%
Cash Advance Fee^ (Not applicable for Citi Simplicity)
3% of cash advance amount or AED 99 whichever is higher
with a max. charge of AED 250
Loan on Card/Easy Installment Plan Processing Fee^ Up to 4% of the loan amount
Loan on Card (Beyond Credit Limit) Processing Fee^
AED 100
Loan on Card (Beyond Credit Limit) is not available for Citi
Ready Credit.
Citi PayAll Processing Fee^ Up to 4% of the transaction amount
Minimum Payment Due
Minimum payment due is calculated as 2.74% of Current balance on statement of account,
plus if applicable
(a) current billed late payment fee (b) current billed finance charges (c) monthly amount(s) of
installment(s) subscribed under Loan on Card/ Easy Installment Plan etc. (d) over limit amount
(e) past due amount (f) taxes (g) Loan on Card (beyond credit limit) processing fee or AED 100,
whichever is higher with the maximum equals to current balance. If your current balance is less
than 100, then your minimum payment due will be equal to your current balance.
Credit Cards
Upon closure of the Credit Card, subject to no bank account(s) or other credit card(s) maintained with Citibank U.A.E., there will
be no refund in case of any excess payment made into the Credit Card Account of an amount less than or equal to AED 50.
Inbound Direct Debit Fees, Rates and Charges All Credit Cards
Direct Debit Setup / Cancellation /
Amendment Request^
Free
Late Payment Fee^ (Not
applicable for Citi Simplicity)
AED 230
Direct Debit Stop Payment
Request (per instance)^
AED 50
Over Limit Fee^
(Not Applicable on Citi Simplicity
and Citi Ready Credit)
AED 249 or the highest over
limit amount assessed daily
during the statement period,
whichever is lower.
Direct Debit Return Payment
Request due to Insufficient Funds^
AED 25 Card Replacement Fee^ AED 50
Card Conversion Fee^ AED 50
Sales Draft Copy^ AED 65
AED 1000/card
Credit Cards
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Charged Benefits
Loan on Card/ Easy Installment Plan Interest Rate
Up to čċ% p.a. at reducing balance basis*ŜŜŜ
*ŜŜŜApplicable tenors will be displayed and agreed upon during the booking process
Credit Shield Plus+*Ŝ*
0.82% of the monthly outstanding balance at billing cycle
Life Style Protect+*Ŝ*
0.79% of the monthly outstanding balance at billing cycle
Lifestyle Protect Classic+ 0.79% of the monthly outstanding balance at billing cycle
Lifestyle Protect Lite+ 0.58% of the monthly outstanding balance at billing cycle
Credit Cards
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Loans
Personal Loans
Personal Loans product has been discontinued and new applications are not available
Personal Loans Annual Percentage Rate (Fixed rate applied
on a reducing balance per annum from the date of loan
disbursement)
With Salary Transfer to
Citibank
Without Salary Transfer to
Citibank
6.99% to 8.99% 14% to 27%
Personal Loans
Delayed Payment Penal Interest
Charges / Late Payment
Charges^
2% of each recurring
delayed amount with min.
AED 50 and up to a max.
of AED 200
Penalty for Payment Before Maturity
Stop Check / Advance
Payment^ (per instrument/
Check)
AED 50 per request
Early Settlement from Other
Bank Loans^ (one time
charge)
1% of remaining balance or
AED 10,000, whichever is
less
Loan Re-scheduling Fee^
(one time charge)
AED 250
Final Settlement from Other
Sources / End of Service
Benefit^ (one time charge)
1% of remaining balance or
AED 10,000, whichever is
less
Loan Cancellation Fee^
(one time charge)
AED 100
Partial Payment from All
Sources Including End of
Service Benefit^ (one time
charge)
1% of remaining balance or
AED 10,000, whichever is
less
Loans
Insurance
For My Child product
PLAN 1 PLAN 2 PLAN 3 PLAN 4
Sum Insured Amounts in AED
Insured Benefits for Insured (Child) AED 50,000 AED 50,000 AED 50,000 AED 50,000
Dismemberment of the Child (including double benefit while
at school)
AED 500 AED 500 AED 500 AED 500
Monthly Catastrophe Cash Benefit in case Permanent Total
Disability of the child for 240 months
AED 1500 AED 1500 AED 1500 AED 1500
Medical Reimbursement Benefit (Benefit amount to be
doubled if artificial limb is required) Deductible - AED100
Insured Benefits for Policy Owner (Parent/Guardian) AED 5000 AED 5000 AED 5000 AED 5000
Education Allowance for 10 years in the event of policy
owner’s accidental death or Permanent Total Disability
Telemedicine & AIG Assist Covered Covered Covered Covered
For My Child product
Waiver of premium benefit in the event of policy owner’s
accidental death or Permanent Total Disability
Covered Covered Covered Covered
Premium Amount in AED inclusive of VAT
Monthly Premium in AED for all of the above benefits offered
to Insured and Policy Owner
AED 27 AED 41 AED 64 AED 109
Annual Premium in AED for all of the above benefits offered to
Insured and Policy Owner
AED 326 AED 487 AED 764 AED 1307
Insurance
Family Protection Plan
PLAN 1 PLAN 2 PLAN 3 PLAN 4
Benefits for Insured Sum Insured Amounts in AED
Accidental Death Insurance Benefit
AED
100,000
AED
200,000
AED
500,000
AED
1,000,000
Permanent Total Disability Insurance Benefit
AED
100,000
AED
200,000
AED
500,000
AED
1,000,000
Permanent Partial Disability Insurance Benefit
AED
100,000
AED
200,000
AED
500,000
AED
1,000,000
Accidental Medical Reimbursement Benefit
AED
10,000
AED 20,000 AED 50,000 AED 100,000
Insurance
PLAN 1 PLAN 2 PLAN 3 PLAN 4
Monthly Premium Amount in AED inclusive of VAT
Insured Only AED 14.74 AED 28.49 AED 66.22 AED 113.29
Insured + Children AED 32.48 AED 46.23 AED 83.96 AED 123.99
Insured + Spouse AED 27.98 AED 53.98 AED 126.2 AED 214.92
Insured + Spouse + Children AED 45.72 AED 71.72 AED 143.94 AED 225.62
Insurance
Others
Letter Charges for all products
Citigold Private Client (CPC)
Legal and Liability Letters issued to Government,
department-embassies and financial institutions –
Personal Accounts^
AED 60 Free
Liability letter issued to financial institutions – Personal
Accounts^
AED 60 Free
Liability/ No Liability Letters – Credit Card^ AED 50 Free
Balance Confirmation / Loan Release Letters / Cards
Reference Letters / Cards Clearance Letters^
AED 50 Free
Bank Reference Letter Charges^ AED 50 Free
^VAT applicable over and above these charges. +Inclusive of VAT collected on behalf of the Insurer on the non-life component
of the premium.
**Not available for new to bank customers and new applicants among existing customers.
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