Fees and Charges

Annual Membership Fee is BHD 100

Retail Interest Rate per month is 2.99%

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Your minimum income should be BHD 1,500 per month


As a Citi Life cardmember you will automatically be enrolled into the Citi Rewards Program with which you can earn and redeem CitiDollars for a host of amazing redemption options which have been created keeping your needs in mind.


Earn CitiDollars every time you use your card

Earn 2 CitiDollars for any BHD 1 spent. So whether you are dining out at a five star restaurant, or grabbing your favorite drink from your local coffee shop, use your card everywhere you shop and earn points.

Redeem your CitiDollars

From redemption for merchandise to instant rewards like booking your travel itinerary with your CitiDollars, the Citi Rewards Program will truly provide an unmatched rewards experience. Outlined below are the redemption options you can enjoy through the Citi Rewards Program


Use your CitiDollars to order merchandise from apparel to electronics to home goods and more. Browse through a host of items for every interest and have them delivered to your doorstep

Book Travel

An online portal where you can redeem your CitiDollars for flights, hotels, rental cars and holiday packages with no blackout dates for booking.

Gift Vouchers/ Cards

Get Gift Vouchers/ Cards from an extensive array of travel and entertainment partners when you redeem your CitiDollars

Annual Membership Fee Reversal

If you wish, you can redeem your CitiDollars to cover the annual membership fee for your Citi Ultimate Credit Card.


Global Aiport Lounge Access

Unlimited complimentary access to 750+ airport lounges worldwide for you and your supplementary cardmembers plus one guest.

To learn more click here

Dining Privileges

Gourmet Pleasures from Citi is our mouthwatering dining program. Enjoy up to 20% discount at select restaurants. Browse through the whole selection now.

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Supplementary Credit Cards

Get up to 5 supplementary cards for your family members. You don’t have to pay any additional fee and can choose the spending limit on each card.

Complimentary Golf

Get one free round of golf every month at Royal Golf Club, Bahrain

Free golf at the Championship Golf Course or the Wee Monty Golf Course or for the Night Golf.

  • *15% discount on 1 hour lessons on "Introduction to Golf."
  • *15% discount on the customized Golf Fitting session.
  • *10% discount in the Golf Shop.

To learn more click here

Travel insurance

Entitled to complimentary Travel Accident Insurance cover, as well as compensation for inconvenience due to delayed or missed flights and luggage when your tickets are purchased with your Citi Life Ultimate Credit Card.


Automatic Account Alerts

To stay informed about your account activity, set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit and every purchase made with your card through the Citibank Alerting Service.

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Monthly Bill Payment

If you hold an account with Citi, please visit www.citibank.bh and pay through Citibank Online; or make a deposit at a Citi ATM. We now accept payments even without your Citi Credit Card.

View Payment Locations


Citi Credit Card monthly interest rate 2.99%, annualized interest rate 35.88%.

All credit card approvals are at the sole discretion of Citibank, N.A. Bahrain. Approvals are based on:

  • i. Completion & submission of documents required by Citibank,N.A. Bahrain
  • ii. Customer meeting eligibility criteria of Citibank,N.A. Bahrain
  • iii. Customer's agreement to the terms and conditions of the credit card facility

Citibank does not apply caps on CitiDollars awarded for purchases. You will not earn CitiDollars for cash withdrawn on your Citi Credit Card, any fees or charges levied on your account as per our Schedule of Charges, payment of utility bills, transactions at exchanges houses, purchases of saving certificates, bonds and other debt instruments, transactions converted to 0% EIP and Direct Debit transactions.

For the details on the Citi Life Terms and Conditions please click here. Citi Life Program, Citibank and Partner Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please click here. 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).