Citi Ultima

A World of Exclusivity

Citi Ultima
  • YOUR
  • YOUR

Citi Ultima, a World Elite MasterCard credit card, is designed to become part of your lifestyle. This is your invitation to a world of exclusive privileges and personalized services only available to select customers.

Ultima gives me a special status, privileges, and confidence in any situation.

Foreign travel insurance up to US$ 500,000

Free Priority Pass membership


  • Credit limit up to RUB 1,500,000
  • Priority in-branch service
  • 24-hour Citigold CitiPhone Banking
  • Free Citibank Alerting Service text alerts

Ultima also offers:

Grace Period

Equal Payment Plans at lower rates

Discounts at partner merchants in Russia and across the world

Touch-and-go payments

Revolving credit line

  1. * The promotion «More Bonuses for Ruble Purchases» is organized by AO Citibank and will be held between June 1, 2020, and July 31, 2020, which includes the time necessary for receiving the rewards. Participation is open between June 1, 2020, and June 30, 2020. The terms and conditions of the promotion are available at
  2. 1. The credit limit is between RUB 350,000 and RUB 1,500,000. Please note that the credit limit is set at the discretion of Citibank and may be increased, reduced or canceled by it at any time. Citibank will inform you of any change to your credit limit.
Travel Insurance
Planning a trip, you need to take care of a myriad of details, but your life and health remain the priority. As an Ultima cardholder, you get automatic travel insurance1.

The policy will be available to Ultima primary cardholders up to and including 84 years of age. Your policy can also cover your children up to 18 years old, or up to 23 years old if they are full-time higher education students.

Sum Insured
The policy will give you the maximum foreign travel insurance cover of US$ 500,000. The maximum insurance cover for children will be US$ 50,000.

Coverage territory: worldwide, including Russia (within 100 km of residential/registered address).

The insurance covers the first 90 days of each trip. An unlimited number of trips per year.

Medical expenses in the event of an accident or sudden illness; compensation and administrative assistance in the case of loss or theft of luggage, passports, tickets or other documents. The policy also covers extreme and lifestyle sports, such as surfing, snowboarding, fishing, etc. Full details of the risks covered are set out in the policy.

Priority Pass
It feels great to relax knowing that your vacation promises to be enjoyable, and that you are going to have a hassle-free airport experience: as an Ultima cardholder, you get automatic Priority Pass membership.

What is Priority Pass?
Priority Pass is the world’s leading airport lounge access program with airport lounges in 100+ countries. Your Priority Pass card will be issued together with your Ultima credit card.

Airport lounges are air-conditioned and equipped with flight information displays, Wi-Fi, shower facilities, and other conveniences; most provide free drinks, snacks, and newspapers and magazines.

How much does it cost?
Airport lounge access is free for Priority Pass cardholders. Lounge visits by accompanying guests are subject to a per person per visit charge2.

Concierge provides 24/7 assistance and expertise in resolving a variety of issues, from routine to complex, wherever you are in the world.
What can Concierge help you with?
  • Information about transportation, hotels, restaurants, events, etc.
  • Hotel reservations, airline tickets
  • Restaurant reservations
  • Car rental, taxi services
  • Tickets to concerts, sport events, etc.
  • Business services (use of office equipment, conference call service, foreign exchange information, etc.)
  • Courier delivery services
  • Your exclusive requests, and expert advice on matters of interest to you
Comfortable Banking Experience
What will I get out of it?
  • Designated VIP areas and priority in-branch service
  • 24-hour Citigold CitiPhone Banking
  1. 1. The insurance program is an offer of JSC IC Allianz (CBR licenses СИ No.0290 and СЛ No.0290 both dated November 2014). The insurance commences on the first day of the month following that in which your card was issued. The insurance program is only available to primary cardholders. AO Citibank, Citigroup Inc., their affiliates are in no way liable for the insurer’s performance under the insurance contract. For a full list of insured events, covers, exclusions, and the terms of use, please see Explanatory Notice by the link.
  2. 2. Airport lounge access is free for Priority Pass cardholders. Lounge visits by accompanying guests are subject to a per person per visit charge of US$ 30, which will be debited to your Ultima card in rubles at the CBR exchange rate applicable on the date of receipt of the cardholder’s lounge visit confirmation.

You can choose any one of the following three card types: Citi Ultima, Citi Ultima Citi Select, or Miles & More Ultima.

Citi Ultima Citi Select and Miles & More Ultima offer you a reward on your spending.


Citi Ultima Citi Select

Miles & More Ultima

Welcome Reward

25,000 Select Points

7,500 miles

Reward for Purchases

RUB 30.00 = 2.5 Select Points

RUB 60.00 = 1 mile

An example of how to spend miles earned on your Miles & More Ultima card:

Welcome Miles2


48,163 miles3
Travel to New York on a Lufthansa business class ticket4


10,000 miles
RUB 50 000 worth of monthly purchases in a year


65,663 miles
Two business class tickets to Europe5

An example of how to spend Select Points earned on your Citi Ultima Citi Select card:

Welcome Select Points6


50,000 Select Points
RUB 50,000 worth of monthly purchases in a year


75,000 Select Points
Reward flight to London on a British Airways business class ticket7

  1. 1. Select Points will be earned and redeemed in accordance with the Citi Select Program Rules. Details are available at and Some transactions may be subject to taxation under Russian tax law. Where this is the case, Citibank and/or Partner will be required to properly notify tax authorities of the income/benefit received by the individual and, if necessary, withhold the tax. Prior to the purchase of goods or services for Partner Points, the Member needs to contact the concerned Partner for additional information and clarification and familiarize him/herself with the Partner Program Terms and Conditions.
  2. 2. Awarded on payments for goods or services made by you or your supplementary card holder, after the first purchase.
  3. 3. The miles you earn will be transferred to your Miles & More account once a month. For details of how to accumulate and use your award miles, and for information on Miles & More partner companies, please visit
  4. 4. The travel includes: a business class flight Moscow-New York-Moscow with a connection in Munich – from 17,238 miles, including a 25% mileage bonus (Executive Bonus); Hertz car rental – 500 miles; a week’s stay at The Redbury New York (booked via Hotel Earn Platform) – 30,425 miles. The offer is only valid for this particular example and is time-limited. The amount of award miles depends on the length of stay.
  5. 5. 25,000 miles are enough to redeem for a Fly Smart flight award in business class to Europe. Ticket prices are exclusive of airport taxes and charges. Award bookings are subject to terms and conditions different from regular ones. Details are available at
  6. 6. Welcome Select Points will be awarded once an Ultima primary cardholder has spent and charged a minimum of RUB 30,000 within the first 60 days of card issue. The date of card issue means the date on which the Citi Select application is approved by the bank. No Welcome Select Points are awarded when you change your credit card type or have your card reissued or reopened.
  7. 7. 72,000 Select Points (20,000 Avios) are enough to redeem for a business class flight from Moscow to London. Ticket prices are exclusive of airport taxes and charges. Details are available at

Citi Ultima*, Miles & More Ultima

Citi Ultima,
Miles & More Ultima

Credit limit up to RUB 1,500,000
Grace period1 Yes
Annual fee2 (for those who became Citibank credit cardholders on or after October 6, 2020):
  1. primary card

RUB 15,000

  1. supplementary card

RUB 3,600

Interest rate (for those who became Citibank credit cardholders on or after July 1, 2015):
  1. non-Equal Payment Plan Transactions

16-29% per annum3

  1. Equal Payment Plan Transactions

13,9–26% per annum3

Including the following free services:
  1. Card type change, lost card replacement, card reissue
  2. PIN change
  3. Card blocking
  4. Bill payments: telecom and TV services, utilities4
  5. Credit card statements/information (including electronic and additional)
  6. ATM mini-statements
  7. 24-hour banking services via:
    • telephone (through CitiPhone® banker or IVR)
    • Citibank® Online (desktop or mobile version)
  8. Citibank Alerting Service5;
  9. Citi Express service6
  10. Cash deposits at Eleksnet terminals
Transfer of funds from the Account to a third party account or to your account with Citibank or another Russian bank:
  1. via Citibank branch
  2. via CitiPhone banker
  3. via Citibank Online
4.9 % of the transfer amount (min. RUB 490)
Cash advances at Citibank and non-Citibank ATMs 4.9% (minimum RUB 490)

The customers applying for Citi Ultima or Miles & More Ultima between January 1, 2019, and March 31, 2019, both dates inclusive, will get a 40% discount on the annual fee through the card expiration date.

    * Issue of the card restricted since November 1, 2019.
  1. 1. No Grace Period will apply to Equal Payment Plan (EPP) transactions, cash advances, including unique/quasi-cash transactions defined by payment systems as transactions in highly liquid assets (e.g., money orders, payment for casino and gambling house services, etc.), and transfers from the credit card account to a third party account or to your own account at another Russian bank.
  2. 2. The annual fee for a primary Credit Card will be billed after the first transaction charged to your primary or supplementary Credit Card. Thereafter, the annual fee for the primary Credit Card will be charged on a yearly basis. The annual fee for a supplementary Credit Card will be billed after the supplementary Credit Card has been activated and the first transaction has been charged to your primary or supplementary Credit Card, on the same date as the annual fee for the primary Credit Card, and the annual fee for the supplementary Credit Card will be billed both for the past period and for the subsequent 12 calendar months. Thereafter, the annual fee for the supplementary Credit Card will be charged on a yearly basis. The cost of the insurance program for World Signia primary credit card holders is included in the annual fee.
  3. 3. Is determined in the relevant Offer for each particular transaction.
  4. 4. Provided payments to telecom and TV service providers and utilities are made via Citibank with the use of the QIWI Bank Payment System.
  5. 5. An optional service provided at the credit cardholder’s request.
  6. 6. An optional service provided at the Customer’s request to primary and supplementary card. The enabling of this service on your existing Credit Card requires card reissue. The list of public transport service providers is available on

You can apply at any Citibank branch, except Citibank Credit and Payment Centers.

Acceptance criteria and required documents


2 NDFL Personal Income Tax Form** (not required if you’ve got a personal offer from Citibank)

  1. * Non-residents will need to provide some additional documents as listed on our website under “Required Documents”.
  2. ** The 2 NDFL Personal Income Tax Form is a standard form to be provided and certified by your employer’s accounting department. The form must show your income for the current year, but for no less than the last three months, and must be no more than 30 days old at the date of application. Your proven after-tax income for the last three months must be no less that RUB 200,000 per month. The credit card is made available at Citibank’s discretion. All terms and conditions of the credit card agreement are available at AO Citibank