315AED
Annual Fee
- Joining Fee
- Free
- Annual Fee
- AED 315
- Minimum Salary
- AED 8,000
Citi Rewards Credit Card
Earn Citi ThankYou Points on every purchase, with 1.5x on groceries and international spend, plus lounge access, cinema and Careem.
Updated Sep 2026
≈ AED 3,971 potential value / year · incl. perks · incl. welcome bonus
At a glance
Welcome offer
Welcome bonus
AED 300 Statement Credit
Rewards
| Category | Rate |
|---|---|
Grocery | 1.02% 0.408 miles per AED |
Government, Utilities +4 more | 0.17% 0.068 miles per AED |
All other spend | 0.68% 0.272 miles per AED |
| Category | Rate |
|---|---|
Grocery | 1.02% 0.408 miles per AED |
Government, Utilities +4 more | 0.17% 0.068 miles per AED |
All other spend | 0.68% 0.272 miles per AED |
Fees and eligibility
Joining Fee
Free
Annual Fee
AED 315
Minimum SalaryAED 8,000
Monthly Interest Rate
3.69%
International Transaction Fee (non-AED)2.99%
Top benefits
Airport lounge8/year
Cinema1/month
Airport transfers1/year
Dining credit1/month
Welcome offer
AED 300 Statement Credit
Direct Citi applicants may get AED 300 after spending AED 6,000 within 60 days; affiliate applications do not qualify.
Rewards
1.5Citi Miles
on grocery purchases and all international (non-AED) transactions.
0.75Citi Miles
on international transactions in EEA currencies (EUR, CHF, SEK and others).
1Citi Miles
on other local AED transactions.
Rewards Calculator
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Eligibility
18
Minimum Age
8,000AED
Minimum Income
UAE Nationals and Residents
Open to UAE nationals and residents with a valid Emirates ID, passport and UAE visa copy
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
November 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
Additional Benefits
Airport Lounge Access
8 lounge visits or dining offers per year via Mastercard Travel Pass; first visit free.
VOX Cinemas Discount
30% off up to 2 movie tickets at VOX Cinemas, once a month.
Careem Airport Ride
1 discounted airport ride per year, up to AED 84 off.
Talabat Discount
20% off Talabat orders (up to AED 14), once a month.
Easy Payment Plan
Convert big purchases into fixed monthly instalments.
Fees
3.69%
Monthly Interest Rate
230AED
Late Payment Fee
Frequently Asked Questions
Get answers to common questions about Citi Rewards Credit Card credit card
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