Cashback Card

Citi Cashback Credit Card

Creditcardfinder Score4.5/5

Citi Cashback Credit Card offers cashback on non-AED, grocery and other eligible purchases with airport lounge access and Citi offers.

AED 8,000Minimum Salary

AED 315Annual Fee

3.50%Interest Rate

CashbackRewards Type

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on Bank’s Secure Page

Overview

✓No Annual Membership Fee (AMF) subject to spend*
✓Automatic cash back on all purchases, with no minimum spend: 3% on Non-AED spend | 2% on Grocery Spend | 1% on all other spend
✓No caps (up to the credit limit each month), no redemption process and no spend categories excluded
✓Airport Lounges: access to 1,200+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app (T&Cs apply)
✓Airport Transfers: 1 airport rides per year (up to AED 84 each) using code "MAUAE2“ on the Careem app
✓Talabat: 20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout
✓Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
✓* No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

Eligibility

✓Minimum monthly income: AED 8,000. Applicant should be 21 years old or above. Approval is subject to Citi policy, credit checks and documentation.

Fees & Charges

Annual FeeAED 315

Joining FeeAED 0

Interest Rate3.50%

Cash Advance Fee3% or AED 99, whichever is higher, maximum AED 250

Non AED Transaction Fee2.99%

Late Payment FeeAED 230

Overlimit FeeAED 249 or assessed over-limit amount, whichever is lower

Top Benefits

Airport Lounge

Complimentary access to selected airport lounges.

Cashback

Earn cashback on eligible spends.

Dining

Dining discounts and restaurant privileges.

Easy Installment Plan

Benefit available as per bank terms and conditions.

Grocery

Benefit available as per bank terms and conditions.

Loan on Card

Convert eligible limits into easy installments.

Shopping

Benefit available as per bank terms and conditions.

Travel

Travel related privileges and partner offers.

3% cashback on non-AED spending
2% cashback on grocery and supermarket spending
1% cashback on other eligible spending
No annual fee in year 1; from year 2 annual fee can be waived on meeting spend requirement
Airport lounge access subject to terms
Easy Installment Plan and cash loan options

Documents Required

✓Valid Emirates ID
✓Passport and valid UAE visa copy
✓Salary account IBAN number
✓Passport number
✓Additional documents may be requested by Citi during the application

Creditcardfinder Score

Score based on Strong overall value, moderate salary eligibility, standard annual fee, reward/cashback value, multiple selected benefits. Final approval and card terms remain subject to bank policy.

About Citi Bank

Citi Bank UAE is part of one of the world’s leading financial institutions, offering premium banking services and globally recognized products. In the UAE, Citi is known for its strong focus on affluent customers, international banking convenience, and high-value financial solutions. The Citi Bank UAE credit card range includes cards tailored for travel, rewards, cashback, luxury lifestyle benefits, and everyday spending. Many Citi credit cards are popular for features such as airport lounge access, reward points, dining privileges, hotel offers, and travel-related benefits. Whether you are a frequent traveller or someone looking for premium lifestyle perks, Citi Bank UAE offers cards designed for different income levels and spending preferences. On this page, you can explore and compare the latest Citi Bank UAE credit cards to find the right option based on annual fees, eligibility, rewards, and lifestyle benefits.

FAQs

What is the minimum salary for Citi Cashback Credit Card?

The minimum monthly income required for Citi Cashback Credit Card is AED 8,000. Final approval depends on Citi credit policy, documents, DBR, credit history and internal eligibility checks.

What is the annual fee for Citi Cashback Credit Card?

The annual fee for Citi Cashback Credit Card is AED 300. Other charges such as finance charges, cash advance fee, processing fees and international transaction charges may apply as per Citi’s latest fees and charges.

What are the main benefits of Citi Cashback Credit Card?

Citi Cashback Credit Card is designed for customers looking for cashback on non-AED spending, grocery spending, other eligible purchases, airport lounge access and Citi offers. Benefits, cashback, cash access, instalment options and offers are subject to Citi terms and may change.

How can I apply for Citi Cashback Credit Card online in UAE?

You can compare Citi Cashback Credit Card on Creditcardfinder.ae and click Apply Now to continue to the Citi online application journey. Citi may request Emirates ID, passport, valid UAE visa copy, salary account IBAN and passport number.

Is Citi Cashback Credit Card the best Citi credit card for me?

Citi Cashback Credit Card may be suitable if its minimum income requirement, annual fee and card benefits match your spending or cash access needs. Compare it with other UAE credit cards before applying.