Get up to 1,500 AED with Citibank UAE for referring friends


  • Create a unique referral link using the tool.
  • Share the link with your friend.
  • Your friend submits his/her application.

Your reward for successful referrals will be credited to your account within 45 days from meeting all eligibility criteria.

The more friends you refer, the more rewards you receive (up to 3 successful referrals during the campaign period)

  1. The digital referral program offer duration is from Jan 1, 2020 to March 31, 2020. The referral date should be on or before March 31, 2020.
  2. The last date of approvals for applications through this digital referral program is April 30, 2020.
  3. To be eligible for a card Referral Reward, the referred person (Referee) must be approved for an eligible card and make at least one retail or cash transaction within 45 days from the date of card approval. Referrer will not be eligible for the reward if the Referee fails to meet this condition.
  4. There is a cap of 3 successful referrals per referrer during the campaign period.
  5. The Referral Reward amount for successful referrals will be as per the product reward grid.
  6. Reward will be in the form of statement credit in customer’s Citi Credit Card Account.
  7. Referrer offer is applicable for existing Citi Credit Card customers only.
  8. This campaign is not applicable for US Citizens or US green card holders.
  9. The reward would be extended to referrer only upon issuance of a new Citi Credit card or Citi Personal loan to his/her referred person and in the case of a Citi Credit Card referral, the referee meeting the spend criteria specified herein.
  10. Citi Simplicity card, Citi Rewards card & Salary Transfer Loan are not eligible for referral program.
  11. Customers who are currently Citibank Credit Card holders or have closed a Citibank Credit Card within the last 24 months are not eligible to be referred in this digital referral program.
  12. The reward shall be extended conditioned that the customer (Referrer) correctly entered his/her registered mobile phone number in the required field on this online referral form page.
  13. Statement credit will be given within 30 business days’ post successful issuance of the Personal loan. In case of a Citi Credit Card referral, statement credit will be issued within 45 business days of the referee meeting the spend criteria specified herein. The reward will not be awarded if the referrer’s Citi Credit Card has been closed or is not in good standing at that time.
  14. Any existing customer who refers outside of this Citi’s digital referral program will not be eligible for this reward.
  15. This offer is not valid in conjunction with any other offer.
  16. This offer is not extended to Citibank employees or Citi outsourced staff. This condition is applicable to both referred person & referrer.
  17. All credit cards and personal loans are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a credit card / personal loan is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification
  18. Citibank Terms and Conditions apply. They are subject to change and are available on
  19. 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 partner(s)/ other entity(ies)
  20. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.
  21. Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel digital referral program with or without any reason
  22. The digital referral program is not applicable to Referrers and Referees if the Referee is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for details.

Reward grid

Card Type Referral Reward (Statement Credit in AED) Reward Fulfilment
Citi EK Ultima 1,500 Referrer will receive statement credit within 45 days from the referee making 1 transaction on their approved Citi Card
Citi Prestige 1,000
Citi EK Ultimate 500
Citi Premier 200
Citi EK World 200
Citi Cashback 100
Citi Rewards 100
Citi Simplicity Not Applicable
Personal Loan (less than 100K AED) 500
Personal Loan (100K AED or more) 1,000
Salary Transfer Loan Not Applicable

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