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Citibank Citi Rewards Credit Card
Citibank

Citi Rewards Credit Card

Earn ThankYou Points on all spend with no annual fee in year 1

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
    1.5 ThankYou Points per USD 1 on all grocery and non-AED spend
    0.408 pts / AED
  • Everything else
    No cap
    1 ThankYou Point per USD 1 on local AED spend
    0.272 pts / AED

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)
  • 30% off 2 movie tickets per month at VOX Cinemas

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.

  • Reduced Earn Rate on EEA Currencies

    Non-AED spend in EEA currencies earns only 50% of the standard non-AED rate.

  • Reduced Earn Rate on Excluded AED Categories

    Government, utilities, telecoms, education, insurance, real estate, transit and transport in AED earn only 25% of the standard AED rate.

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?

Take the 60-second quiz and find your best UAE credit card.

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