Best Citi Cashback & Rewards Credit Cards in the UAE
Compare Citi UAE cashback and rewards cards.
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Options include Citi Cashback, Citi Rewards and Citi Simplicity. Compare their annual fees, salary requirements and reward rates.
Best free Citi card
CITIBANK
Citi Simplicity Credit Card
20% discount on Talabat
Best flat cashback
CITIBANK
Citi Cashback Credit Card
≈ AED 5,860 potential value / year · incl. perks
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
Best for points
CITIBANK
Citi Rewards Credit Card
≈ AED 3,971 potential value / year · incl. perks · incl. welcome bonus
Annual fee waived after AED 9,000 yearly spend
1.5 Points on grocery and non-AED spends
1 Point on local spends
Best Citi Cashback & Rewards Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 315 (waivable) | AED 8,000 | Flat cashback structure for everyday spend |
| AED 315 (waivable) | AED 8,000 | ThankYou Points convertible to airline miles and merchant vouchers |
| Free | AED 5,000 | No annual fee, no late fees — entry-tier Citi option |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 315 (waivable) | AED 8,000 | Flat cashback structure for everyday spend |
| AED 315 (waivable) | AED 8,000 | ThankYou Points convertible to airline miles and merchant vouchers |
| Free | AED 5,000 | No annual fee, no late fees — entry-tier Citi option |
Citi Cashback Credit Card
Annual feeAED 315 (waivable)
Min. salaryAED 8,000
HighlightFlat cashback structure for everyday spend
Citi Rewards Credit Card
Annual feeAED 315 (waivable)
Min. salaryAED 8,000
HighlightThankYou Points convertible to airline miles and merchant vouchers
Citi Simplicity Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightNo annual fee, no late fees — entry-tier Citi option
October Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose Citi Cashback & Rewards Credit Cards in the UAE
1.
ThankYou Points flexibility
Citi Rewards earns ThankYou Points that can be converted to airline frequent-flyer miles (Etihad Guest, Emirates Skywards via partners) or redeemed for merchant vouchers — useful if you don't want to commit to a single airline programme.
2.
Free entry option still available
Citi Simplicity remains a no-annual-fee Citi card eligible from AED 5,000 salary, with no late-fee charges as a distinctive feature.
3 cards in the UAE
CITIBANK
Citi Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- 3% Cashback on non-AED spends
- 2% Cashback on grocery/supermarket spends
- 1% Cashback on all other spend
CITIBANK
Citi Rewards Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- Annual fee waived after AED 9,000 yearly spend
- 1.5 Points on grocery and non-AED spends
- 1 Point on local spends
CITIBANK
Citi Simplicity Credit Card
- Salary: AED 5000+
- No Annual Fee
- 20% discount on Talabat
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–8,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–8,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Citi Cashback & Rewards Credit Cards in the UAE
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