Fees and Charges

Annual Membership is 55 BHD

Interest Rate per month is 2.99%

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Your minimum income should be 800 BHD per month


Earning Miles

Use your Emirates-Citibank Gold card and earn 3.3 Skywards Miles on every BHD spent on the card.

Emirates/Skywards program terms and conditions apply

Redeeming Miles

Redeem your Skywards Miles in any of the following ways:

  • Purchase a reward ticket
  • Upgrade an existing booking from Economy to Business, or from Business to First Class with Emirates
  • At any of the Emirates partners in hospitality, car hire, lifestyle, retail or partner airlines
  • On the Emirates High Street a leisurely and rewarding shopping experience with a diverse selection of hundreds of products. Find out more at www.emirateshighstreet.com.

To redeem your Skywards Miles, contact Skywards on
+971 600 555555 or visit www.emirates.com.

2 Skywards Programme Terms and Conditions apply and are available at www.skywards.com.

Skywards Miles statement

The Skywards Miles you earn will be transferred to your Skywards account on a weekly basis and will reflect in your statement. To track your activity and see your current miles balance please visit www.emirates.com.

Miles earning and expiry

You can earn Skywards Miles for your retail spend up to the credit limit assigned on your Citi Card. Your Skyward Miles are valid for 3 years from the date each transaction was made. For more details please visit www.emirates.com.


Free Supplementary Cards

You can get up to 5 supplementary credit cards for your family members, linked to your Credit Card.

Citibank World Privileges

Shop and dine like a local in thousands of retail outlets around the world with your Emirates-Citibank Gold credit card. Find out more at www.citiworldprivileges.com.


Discover hundreds of deals, discounts and privileges with Visa Gold offers at home and overseas. To find out more please visit www.visamiddleeast.com.

Global ATM Network

Get cash when you need it. Your Emirates-Citibank Gold credit card is accepted at over 1.9 million ATM locations worldwide.

Travel Assistance

Free access to a wide range of medical and legal advice from Visa. Please call +971 (4) 253 6024 for assistance.


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.

Additional Services include

  • Citibank Online
  • Citi Mobile App
  • Easy Installment Plan
  • Loan On Phone
  • E-Statement
  • Much more

Utility Bill Payment

Pay for your utility services from wherever your are. Just call our 24-Hour CitiPhone Service on 17 582484 or log on to www.citibank.bh


Emergency Card Replacement

We can replace a lost or stolen card anywhere in the world. The card may be delivered directly by secure courier, or through an emergency service location anywhere in the world.

Fraud Early Warning System

Our fraud notification alerts will notify you about any possible unauthorized transactions on your Credit Card account on a best-effort basis. Once you get the alert, just call us back, so that we can take corrective action.


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

Citibank Terms and Conditions apply and are subject to change with prior notice. They are available upon request and on our website www.citibank.bh. All fees and charges mentioned in the Schedule of Fees and Charges apply and can be found on our website. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Bahrain Branch. Citibank, N.A. Bahrain Branch makes no warranties and assumes no liability or responsibility with respect to the products and services provided by other entity(ies).