I have both cards and I can say I greatly think the citi card is better. Their IT is better you can see exactly who has a hold on your card and how much. NBD you can't see anything until it posts. Citi gives you a further bonus on EK tickets purchased in AED (you can now change tickets purchased from an out station on EK to pay in AED on the EK webpage and get the same bonus). Also citi gives you a bonus on any foreign currency purchase. Plus the fee is less for the Ultimate, which I'd go for.