Effective August 2024

Banking Transactions
Current, Call and Savings Accounts
Minimum Monthly Average Balance Requirement per
Monthly Fee per Account
Account
AED 3,000 or more Free
AED 25 (No charge for Citigold (CG) and Citigold Private
Less than AED 3,000^
Client (CPC))
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 Banking Transactions
Check Collection Charges Direct Debit Instruction Banking Account

AED 50 (No
charge for CPC)
+ Correspondent Direct Debit Set up/
Outgoing Check Collection (FCY)^ Bank Charges + AED Cancellation/ Free
60 if couriered (for Amendment Request
FCY checks) (No
charge for CPC)

Returned Check - Incoming Clearing / AED 100 (No charge

Collection Checks^ for CPC) Direct Debit Payment Request -
Free
Stop Payment (per instance)
Manager’s Checks / Demand Drafts
AED 30 (No charge
Issuance Fees for Manager’s Checks^
for CPC) Direct Debit payment Request AED 25
AED 75 (No charge Return- Insufficient Funds^ (No charge for CPC)
Issuance Fees for Demand Drafts^
for CPC)
 Banking Transactions
Citibank Account Citigold Account Citigold Private
Citibank ATM / Debit Card Fees
Holder Holder 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
1 Free transaction
Non-Citibank ATM Transactions Abroad (Prevailing
USD 5 per per month, USD
bank foreign exchange rates will apply on all Free
transaction 5 per additional
currency conversions)^
transaction
Copy of Sales Slip^ AED 25 AED 25 Free
 Banking Transactions
Citibank Account Citigold Account Citigold Private
Check Book Services
Holder Holder 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
Citigold Private
Standing Instructions Citibank and Citigold Account Holder
Client (CPC)
Set-up Charges^ AED 50 Free
Penalty for Insufficient Funds^ AED 25 Free
 Banking Transactions
Citibank Account Citigold Account Citigold Private Client
Statement
Holder Holder (CPC)
Additional Statement Requests (per statement
AED 25 Free Free
cycle)^
Foreign Exchange Related Fees on Purchase / Sale of
Citibank and Citigold Citigold Private Client (CPC)
Currency Notes
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)
Citigold Private
Citibank Account Citigold Account
Transfer Amount Client (CPC) Account
Holder Holder
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)
Citibank & Citigold Account Citigold Private Client (CPC)
Transfer Amount Currency (Inside/Outside UAE)
Holder 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
Foreign
Local Currency Fund Transfer Charges Currency Faster Payments Utility Bill Payments
(Incoming)

Incoming Citibank Outgoing

Outgoing
Account Holders charges^
Payment
through
internet/
Online Free Free Free Free
ATM /
Incoming
AED 1^ Citiphone
charges^
Banking

Manual AED 5

No charge for Citigold and Citigold Private Client (CPC)

 Banking Transactions
Wealth Management Products Overdraft Interest Rates (USD)*
Max. upfront charge on subscription/switch up to 5% of
Mutual Funds^ the subscription/switch amount. For SIP, fees equivalent to 2% of Max. Interest rate for 3-month Secured Facility
each monthly investment contribution is applicable (the “Plan fee”). Secured Overdrafts 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.
Max. upfront charge on subscription/redemption up to 3% of the subscription/redemption amount and broker fees CHF 75
Fixed Income Securities^ per transactionő
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Foreign Exchange Rates ¬æ¬Ž‚Å»Ƃß
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Penalty for Payment before maturity
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Early termination charge would apply on fixed
rate margin loans availed against terms of
Master Securities Backed Credit Facility (Port-
All product related charges applicable and levied by the Early folio Power Agreement) available on
Life Insurance^ insurance company are disclosed at the time of subscribing to termination [Link]. The early termination charge
these products. Please refer to offer documents for the sameő 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
 Banking Transactions
Wealth Management Products Overdraft Interest Rates (USD)*
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
Online Brokerage^
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
 Credit Cards
Credit Cards Fees and Interest Charges
Annual Membership Fee Monthly Retail/Cash Annual Percentage Rate for
(AMF)^ Interest Rate (fixed rate)* Retail/Cash (fixed rate)
AED , 00 3. % %
Citi Prestige AED 1,500 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.
 Credit Cards
Credit Cards Fees and Interest Charges
Annual Membership Fee Monthly Retail/Cash Annual Percentage Rate for
(AMF)^ Interest Rate (fixed rate)* Retail/Cash (fixed rate)
Citi PremierMilesŜŜŜ
Elite AED 1,500 ČőĎĉLj 42%
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
Supplementary Card (AMF)^ - Free (Supplementary card is not available for Citi Ready Credit)

e-card (AMF)^ - FreeŜ**

AED 10 / AED 25 per month This will be multiplied by the number
Paper Statement Fee/Copy^
of months, in case of multiple months’ statement request
As per applicable courier service charges. Charges may vary
Courier Charges^
depending on courier service provider
1% of remaining balance
Loan on Card/Easy Installment Plan Early Settlement Fee^ Loan on Card Early Settlement Fee is not applicable on Citi
Ready Credit
AED 50 + Correspondent Bank Charges + AED 60 if couriered
Outgoing Check Collection Fee^ (LCY / FCY)
(FCY Checks)
Manager’s Check Issued for Credit Balances^ AED 25
Returned Check Fee^ AED 100
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 Credit Cards
Check Clearance^ Proceeds will be credited to the card account on clearance of the Check
Processing Margin for International and/or Foreign Currency 2.99%
Transactions
3% of cash advance amount or AED 99 whichever is higher
Cash Advance Fee^ (Not applicable for Citi Simplicity) with a max. charge of AED 250
Loan on Card/Easy Installment Plan Processing Fee^ Up to 4% of the loan amount
AED 100
Loan on Card (Beyond Credit Limit) Processing Fee^ 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 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
Minimum Payment Due 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.
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.
 Credit Cards
Inbound Direct Debit Fees, Rates and Charges All Credit Cards
Direct Debit Setup / Cancellation / Late Payment Fee^ (Not
Free AED 230
Amendment Request^ applicable for Citi Simplicity)
AED 249 or the highest over
Over Limit Fee^
Direct Debit Stop Payment limit amount assessed daily
AED 50 (Not Applicable on Citi Simplicity
Request (per instance)^ during the statement period,
and Citi Ready Credit)
whichever is lower.

Direct Debit Return Payment

AED 25 Card Replacement Fee^ AED 50
Request due to Insufficient Funds^

Card Conversion Fee^ AED 50

Sales Draft Copy^ AED 65
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 Credit Cards
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

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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
With Salary Transfer to Without Salary Transfer to
on a reducing balance per annum from the date of loan
Citibank Citibank
disbursement)
6.99% to 8.99% 14% to 27%
 Loans
Personal Loans
2% of each recurring
Delayed Payment Penal Interest
delayed amount with min.
Charges / Late Payment Penalty for Payment Before Maturity
AED 50 and up to a max.
Charges^
of AED 200
Stop Check / Advance Early Settlement from Other 1% of remaining balance or
Payment^ (per instrument/ AED 50 per request Bank Loans^ (one time AED 10,000, whichever is
Check) charge) less
Final Settlement from Other 1% of remaining balance or
Loan Re-scheduling Fee^
AED 250 Sources / End of Service AED 10,000, whichever is
(one time charge)
Benefit^ (one time charge) less
Partial Payment from All
1% of remaining balance or
Loan Cancellation Fee^ Sources Including End of
AED 100 AED 10,000, whichever is
(one time charge) Service Benefit^ (one time
less
charge)
 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
AED 500 AED 500 AED 500 AED 500
at school)
Monthly Catastrophe Cash Benefit in case Permanent Total
AED 1500 AED 1500 AED 1500 AED 1500
Disability of the child for 240 months
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
 Insurance
For My Child product

Waiver of premium benefit in the event of policy owner’s

Covered Covered Covered Covered
accidental death or Permanent Total Disability

Premium Amount in AED inclusive of VAT

Monthly Premium in AED for all of the above benefits offered
AED 27 AED 41 AED 64 AED 109
to Insured and Policy Owner
Annual Premium in AED for all of the above benefits offered to
AED 326 AED 487 AED 764 AED 1307
Insured and Policy Owner
 Insurance
Family Protection Plan
PLAN 1 PLAN 2 PLAN 3 PLAN 4
Benefits for Insured Sum Insured Amounts in AED
AED AED AED AED
Accidental Death Insurance Benefit
100,000 200,000 500,000 1,000,000
AED AED AED AED
Permanent Total Disability Insurance Benefit
100,000 200,000 500,000 1,000,000
AED AED AED AED
Permanent Partial Disability Insurance Benefit
100,000 200,000 500,000 1,000,000
AED
Accidental Medical Reimbursement Benefit AED 20,000 AED 50,000 AED 100,000
10,000
 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
 Others
Letter Charges for all products

Citigold Private Client (CPC)

Legal and Liability Letters issued to Government,

department-embassies and financial institutions – AED 60 Free
Personal Accounts^

Liability letter issued to financial institutions – Personal

AED 60 Free
Accounts^

Liability/ No Liability Letters – Credit Card^ AED 50 Free

Balance Confirmation / Loan Release Letters / Cards

AED 50 Free
Reference Letters / Cards Clearance Letters^

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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