Citibank Credit Card Eligibility

Citibank Credit Card Eligibility Requirements 

So, what does the bank really look into while analysing your profile for a Citi card entry requirements? Let’s find out — 

Eligibility	Criteria
Age	You must be at least 21 years old.
Salary	Your monthly salary must be AED 5,000 or more.*
Nationality	You must be a UAE resident, whether a national or an expat.
Status of Employment	You must be a salaried employee or a self-employed individual

*Note: Check with the bank for the chosen card’s salary criteria before initiating your application. This is the minimum limit — many cards require a higher salary than this.

Top Citibank Credit Cards Criteria for Eligibility 

Although there are some standard entry requirements for all Citibank cards, the salary criteria vary. These are designed to cater to the different needs of all eligible applicants. 

In the table below, we have mentioned the salary-based Citibank credit card eligibility criteria —

Note: For all these cards, you must be at least 21 years old at the time of applying.

Documents Required to Apply for Citibank Credit Cards 

As per the bank’s requirements, you need to submit the following documents while applying for a card in the UAE —

• Emirates ID 
• UAE Residency Visa 
• Passport 

Which Factors Affect Citibank Credit Card Criteria for Eligibility?

A card's eligibility depends on several factors. However, let’s understand the ones that play a significant role — 

Credit Score 

Your credit Score plays a major role in determining your Citibank credit card eligibility. The higher your score, the higher your chances of application approval. This is because a good score represents that you’re a responsible borrower. 

Age

The Central Bank of the UAE has a strict minimum age requirement of 21 years. Your application gets rejected if you’re below the age of 21 years.  

Salary 

Financial institutions have a minimum salary threshold of AED 5,000 monthly. Applicants earning below this may be eligible for a secured card, but that completely depends on your profile and the bank’s decision. 

How to Improve Citibank Credit Card Eligibility?

Now that you have understood the top aspects affecting your Citibank card eligibility, let’s take a look at how you can improve your chances of approval for Citi cards 

• Maintain a good credit score by paying bills and monthly instalments on time
• Lower outstanding debts and avoid high credit utilisation
• Provide accurate income proof with salary slips or bank statements
• Avoid frequent loan or card applications, as they can affect your credit profile
• Keep stable employment records, as job stability improves approval chances
• Manage existing cards responsibly by staying within limits and paying the bills in full

FAQ's About Citibank Credit Card Eligibility