topic Re: Citi Ultima in Credit Cards

Citi Ultima

Saleen099 — Sun, 03 Aug 2025 17:23:09 GMT

Citi Ultima

Key Features

Welcome Offer: AED 1,250 cash back, subject to AED 25,000 spend within 90 days
50% off flights (up to AED 2,000) once per year
3rd hotel night free globally (unlimited)
Free home check-in (4 per year)
Airport Transfers (4 per year)
Unlimited global airport lounge access (+ guest)
Earn up to 5 Citi Miles per USD and 30,000 bonus anniversary miles each year
Redeem Citi Miles for flights with any airline or transfer miles to 11 partner airlines
Minimum Monthly Income: AED 36,750
Annual Membership Fee: AED 3,000

Re: Citi Ultima

JoeRockhead — Sun, 03 Aug 2025 17:48:39 GMT

Should pair nicely with that Centurian Card

Re: Citi Ultima

CreditCuriosity — Sun, 03 Aug 2025 17:56:09 GMT

@Saleen099 Assume you got an invitation to apply? Had to google this one

Re: Citi Ultima

NoHardLimits — Sun, 03 Aug 2025 18:18:09 GMT

@CreditCuriosity wrote:
@Saleen099 Assume you got an invitation to apply? Had to google this one

Having never heard of it, I had to head over to Google too. Very interest specs. Unfortunately, it's beyond my pay grade. Have fun with it @Saleen099 !

Re: Citi Ultima

TrapLine — Sun, 03 Aug 2025 18:28:32 GMT

@JoeRockhead

Looks like it requires around $10,005.45 a month minimum income after conversion. A little low for the American Express Centurion clients. Annual Fee converts to $816. Thanks to Google!

Certainly doable for the MyFico Group.

Nice looker

Re: Citi Ultima

Lou-natic — Sun, 03 Aug 2025 20:02:40 GMT

What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.

Re: Citi Ultima

Saleen099 — Sun, 03 Aug 2025 21:18:25 GMT

@Lou-natic wrote:
What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.

AED stands for the United Arab Emirates dirham

Re: Citi Ultima

ptatohed — Mon, 04 Aug 2025 00:34:51 GMT

@Saleen099 wrote:
@Lou-natic wrote:
What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.
AED stands for the United Arab Emirates dirham

Which means???

Re: Citi Ultima

zerofire — Mon, 04 Aug 2025 06:18:03 GMT

@ptatohed wrote:
@Saleen099 wrote:
@Lou-natic wrote:
What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.
AED stands for the United Arab Emirates dirham
Which means???

Its a type of currency. A diffrent currenct to the USD or US dollar.

Re: Citi Ultima

Saleen099 — Mon, 04 Aug 2025 06:33:20 GMT

@zerofire wrote:
@ptatohed wrote:
@Saleen099 wrote:
@Lou-natic wrote:
What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.
AED stands for the United Arab Emirates dirham
Which means???
Its a type of currency. A diffrent currenct to the USD or US dollar.

Dirham is the currency in United Arab Emirates. 🇦🇪

Re: Citi Ultima

redpat — Mon, 04 Aug 2025 17:28:13 GMT

AF about $820 US, right there with all the rest....

Re: Citi Ultima

Saleen099 — Mon, 04 Aug 2025 18:24:46 GMT

@redpat wrote:
AF about $820 US, right there with all the rest....

It's not cash back 😂🤣

Re: Citi Ultima

sjt — Mon, 04 Aug 2025 18:27:18 GMT

I don't understand why Citi can be consistent with its premium card products across its global markets. They should have the Ultima card available in the US instead of the Prestige and Strata Elite. It would have been good for their premium card branding overall. Unless they plan to offer the Ultima Card to their private banking clients. That could make it on par with the Centurion and JPM Reserve.

Re: Citi Ultima

Saleen099 — Mon, 04 Aug 2025 18:35:55 GMT

@sjt wrote:
I don't understand why Citi can be consistent with its premium card products across its global markets. They should have the Ultima card available in the US instead of the Prestige and Strata Elite. It would have been good for their premium card branding overall. Unless they plan to offer the Ultima Card to their private banking clients. That could make it on par with the Centurion and JPM Reserve.

You make a great point. Citi’s scattered approach to its premium card lineup feels inconsistent, especially compared to competitors with a clear global identity. Bringing the Ultima card to the U.S. could strengthen their premium branding and better target high-net-worth clients who value exclusivity. If they’re saving Ultima for private banking clients, that would put it in the same league as the Centurion or JPM Reserve, but it could also limit their presence in the wider luxury card market. It’ll be interesting to see whether Citi eventually unifies its offerings or continues with this region-specific strategy.

Re: Citi Ultima

Saleen099 — Mon, 04 Aug 2025 18:39:56 GMT

https://www.marriott.com/credit-cards/uae-credit-cards.mi

https://www.emiratesnbd.com/en/campaigns/marriott-bonvoy-credit-cards/?utm_source=Partnership&utm_medium=Referral&utm_term=Marriott_LTO-FOC-banner&utm_content=Marriott_Bonvoy_CreditCard_EN&utm_campaign=Partnership_Marriott

Re: Citi Ultima

CaneVariant — Mon, 04 Aug 2025 18:51:53 GMT

And no SUB 🤣 jk

Re: Citi Ultima

Saleen099 — Mon, 04 Aug 2025 18:53:53 GMT

@CaneVariant wrote:
And no SUB 🤣 jk

🤣😂🤣

Re: Citi Ultima

redpat — Mon, 04 Aug 2025 20:49:18 GMT

@Saleen099 wrote:
@redpat wrote:
AF about $820 US, right there with all the rest....
It's not cash back 😂🤣

Thank god....But if you had to invest and maintain $250,000 in a managed brokerage account for 4.25% CB (no AF) some would be jumping through hoops to get that and the approval forums would light-up like a Christmas Tree.

Re: Citi Ultima

Lou-natic — Tue, 05 Aug 2025 13:52:47 GMT

@Saleen099 wrote:
@Lou-natic wrote:
What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.
AED stands for the United Arab Emirates dirham

Thank you! Actual currency didn't even come to mind, I was thinking some kind of reward point program maybe.

Re: Citi Ultima

unsungivy — Tue, 05 Aug 2025 17:19:46 GMT

@Saleen099 wrote:
@zerofire wrote:
@ptatohed wrote:
@Saleen099 wrote:
@Lou-natic wrote:
What is AED? Sounds like something I need to talk to my doctor about...Even after checking their site I still can't figure it out.
AED stands for the United Arab Emirates dirham
Which means???
Its a type of currency. A diffrent currenct to the USD or US dollar.
Dirham is the currency in United Arab Emirates. 🇦🇪

Is something that bills in AED even a viable card offer for US users? I don't think these forums say "US only", but I don't think we normally GET anything other than US users and the occassional ex-pat or "new to country" folks?