Ready Credit benefits, fees, and terms

Fees and eligibility, as published

Annual fee: AED 300 a year Annual fee of AED 300 applies from year 2 onwards with no conditions for waiver. VAT of 5% applies over and above the annual fee, making the total AED 315 (inclusive of VAT). Minimum monthly salary requirement is AED 8,000.
Annual fee waived at: Not published
Minimum monthly salary: AED 8,000
Interest rate: Not published

2 verified benefits

Quoted from Citibank UAE's published terms. Anything we could not match to the issuer's own words is not listed.

Airport lounge 1 benefit

MasterCard Airport Lounge Access

Verified 24 Aug 2026

Access to 1,300 airport lounges worldwide with lounge pass when pre-registered flight is delayed by 1 hour or more via MasterCard Travel Pass app

How often: Per event
How to use it: Activate in the bank's app — Pre-register flights in MasterCard Travel Pass app and access lounge upon 1+ hour delay
Caps and limits: Eligible only when pre-registered flight delayed by 1 hour or more
Where: International

“Access to 1,300 airport lounges worldwide with a lounge pass if any pre-registerd flights are delayed for by 1 hour or more with the MasterCard Travel Pass app.”

Source: https://www.citibank.ae/credit-cards/cash-advance/citi-ready-credit-card · Last checked 24 Aug 2026

Online shopping 1 benefit

Talabat Grocery and Food Discount

Verified 24 Aug 2026

20% instant discount on grocery and food orders via Talabat app, up to AED 14 discount, redeemable once per month

How often: Monthly
How to use it: Activate in the bank's app — Use promo code MASTERCARD at checkout on Talabat app
Caps and limits: 20% discount up to maximum AED 14 per transaction
Where: All emirates

“Talabat Discount 20% instant discount (up to AED 14) on grocery and food orders once a month on the Talabat app.”

Source: https://www.citibank.ae/credit-cards/cash-advance/citi-ready-credit-card · Last checked 24 Aug 2026

Where this card sits

All 7 Citibank UAE cards Airport lounge cards in the UAE Every UAE card

Questions

What is the annual fee on the Ready Credit?

The Ready Credit has a published annual fee of AED 300. Annual fee of AED 300 applies from year 2 onwards with no conditions for waiver. VAT of 5% applies over and above the annual fee, making the total AED 315 (inclusive of VAT). Minimum monthly salary requirement is AED 8,000.

What salary does the Ready Credit require?

Citibank UAE publishes a minimum monthly salary of AED 8,000 for the Ready Credit.

What benefits does the Ready Credit include?

The Ready Credit carries 2 verified benefits across 2 categories: Airport lounge, Online shopping. Each is quoted from Citibank UAE's own published terms on this page.

How current is this page?

Every benefit here carries the date it was last read from the issuer's published terms. This page is last verified 24 Aug 2026. Anything we could not verify against the issuer's own words is not shown at all.

Ready Credit