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Citibank Citi Cash Back Credit Card
Citibank

Citi Cash Back Credit Card

Automatic cashback on all purchases with no minimum spend and no caps

Apply at bank

Key facts

Min salary
AED 8,000/mo
Annual fee
AED 315/yr (1st year free)
Salary transfer
Not required
FX fee
2.99%
Monthly interest
3.5%
Interest-free days
52 days
Welcome offer
AED 150 joining bonus statement credit on AED 6,000 spend in 60 days
Fee waiver
Annual fee of AED 300 (+VAT) waived from year 2 if annual spend >= AED 9,000

Earn rates

  • Groceries
    No cap
    2% cashback on grocery/supermarket spend (no cap)
    2% back
  • Everything else
    No cap
    1% cashback on all other spend (no cap) | Non-AED spend: 3/% cashback
    1% back

Perks

  • Global airport lounge access – up to 8 visits/year (1,200+ lounges via Mastercard Travel Pass)
  • 1 airport transfer per year via Careem app (up to AED 84)

The fine print that matters

  • Annual Fee Includes VAT

    Annual fee is AED 300 + 5% VAT = AED 315. Waived in year 1 and from year 2 if annual spend >= AED 9,000.

  • No Cashback Above Credit Limit

    Cashback is not earned on spend above the credit limit in a statement cycle.

This card loves groceries. So do these deals →

20% off RightBite meal plan with code JOSS20
20% off RightBite meal plan with code JOSS20
Up to 60% off pet food at Choitrams on Talabat app
Up to 60% off pet food at Choitrams on Talabat app
Not sure it fits you?

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Info only, not financial advice. Always check the bank's Key Facts Statement.