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Everyday
Citibank
Ready Card
Min. salary
AED 8,000
Annual fee
–Not published in the catalogue yet; it is not zero.
Monthly rate
–Not published in the catalogue yet; it is not zero.
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
–Not published in the catalogue yet; it is not zero.
Free first year; fee after first year not shown on this page
01Fees & rates
What it costs.
- Annual fee
- –Not published in the catalogue yet; it is not zero.
- Fee note
- Free first year; fee after first year not shown on this page
- Monthly rate
- –Not published in the catalogue yet; it is not zero.
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- –Not published in the catalogue yet; it is not zero.
- Minimum salary
- AED 8,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- The card is free for the first year
- Exceptional ‘Buy 1 Get 1’ offers on food deliveries, groceries, and more
- Discounts on Booking.com and the Talabat app
- Get a high credit limit of up to 6x of your monthly income or AED 175,000 (whichever is lower)
→Similar cards
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.