Citi Cash Back Credit Card
Maximize your spending with up to 3% cashback on all purchases, a AED 150 joining bonus upon meeting the minimum spend, and no annual fee in the first year. Plus, enjoy exclusive benefits such as global airport lounge access and special offers tailored just for you.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 8,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Citi Cash Back Credit Card expects AED 8,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
AED 150 Joining Bonus
upon meeting minimum spend criteria.
Applicable only to new Citi Credit Card customers who spend AED 7,500 in the first 90 days.
Waived Annual Fee
for the first year
Rewards
3%
on non-AED spend.
Earn unlimited 3% cashback on all non-AED purchases made abroad with no maximum cap.
2%
on grocery and supermarket spend.
Save with unlimited 2% cashback on all grocery and supermarket purchases with no maximum cap.
1%
on all other spend.
Earn unlimited 1% cashback on all other purchases with no maximum cap.
Rewards Calculator
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Additional Benefits
Global Airport Lounge Access
Unlimited access to 1,100+ airport lounges worldwide.
Airport Transfers
2 complimentary airport rides per year with Careem.
Easy Installment Plan
Convert big purchases into easy installments.
Eligibility
21
Minimum Age
8,000AED
Minimum Income
Fees
Free
First Year Annual Fee
300AED
Annual Fee
3.5%
Interest Rate
Cash Advance FeeAED 99*
*Minimum AED 99 or 3% of cash advance amount, whichever is higher
Late Payment FeeAED 230
Minimum Payment Due2.74%*
*2.74% of current balance on statement of account
Check Clearance Fee2.5%
Foreign Currency Transaction Fee2.99%
Balance Transfer Processing Fee1%*
*Up to 1% of the Balance Transfer Amount
Other credit cards from this bank
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