Citi Cash Back Credit Card

The Citi Cash Back Credit Card is a Mastercard that earns unlimited cashback on everyday spend: 3% on non-AED (international) purchases, 2% on groceries and supermarkets, and 1% on everything else, all with no maximum cap. It requires an AED 8,000 minimum salary and is free for the first year.

You earn 3% cashback on all non-AED purchases (spending abroad or in foreign currency online), 2% on grocery and supermarket spend, and 1% on all other purchases. All three rates are unlimited — there is no monthly or annual cashback cap. Cashback is credited to your card account.

The joining fee is free and the annual fee is waived for the first year. From the second year it is AED 315, but that fee is waived automatically if you spend at least AED 9,000 on the card during the year.

The minimum salary is AED 8,000 per month. You also need to be at least 18 years old and a UAE resident. Final approval is subject to Citi's underwriting and AECB credit checks.

New Citi credit card customers who apply directly on Citi's website may receive AED 300 after spending AED 6,000 in 60 days. Applications through third-party or affiliate links are excluded.

Yes. The card includes up to 8 Mastercard Travel Pass lounge visits per year after the qualifying non-AED transaction, plus 1 complimentary Careem airport ride per year.

The foreign currency transaction fee is 2.99%. Because non-AED spend earns 3% cashback, the cashback broadly offsets the FX fee on international purchases. The monthly retail interest rate is 3.69%.

Check your basic eligibility on Kredit in two minutes. We'll confirm the AED 8,000 salary, UAE residency, and age requirements, then route you to the Citi application. You'll typically need your Emirates ID, passport, and recent salary or bank statements.