You earn 1 ThankYou Point per USD 1 equivalent on most local AED spend, and 1.5 ThankYou Points per USD 1 equivalent on grocery purchases and all international (non-AED) spend. Government, utility, telecom, education, insurance, real estate and transportation spend earn a reduced rate.
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.
≈ AED 8,622 potential value / year · incl. perks · incl. welcome bonus
Welcome offer
AED 300 Statement Credit
Get AED 300 back after spending AED 6,000 within 60 days of approval.
Available to new Citi credit card customers who apply directly through citibank.ae. Spend AED 6,000 within 60 days of card approval to receive a AED 300 statement credit.
See full breakdownRewards
1.5Citi Miles
on grocery purchases and all international (non-AED) transactions.
Excludes international spend in EEA currencies (e.g. EUR, CHF, SEK), which earns a reduced rate — see below. Utility bills paid through Citibank's own channels and spend above your credit limit are also excluded from earning.
0.75Citi Miles
on international transactions in EEA currencies (EUR, CHF, SEK and others).
Half the standard 1.5 Citi Miles international rate applies to spend in EEA currencies specifically.
1Citi Miles
on other local AED transactions.
Government services, utility and telecom bills, education fees, insurance premiums, real estate/rent and transportation spend earn 25% of this rate.
Rewards Calculator
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
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August 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.
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 Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
8 lounge visits or dining offers per year via Mastercard Travel Pass; first visit free.
Access to 1,200+ airport lounges via Mastercard Travel Pass, capped at 8 visits/year. First visit yearly is free; each subsequent visit needs a qualifying int'l (non-AED) spend of USD 1, unlocking a 3-month window. Guests cost USD 32 each.
See full breakdownVOX Cinemas Discount
30% off up to 2 movie tickets at VOX Cinemas, once a month.
Get 30% off up to 2 movie tickets at VOX Cinemas, redeemable once per calendar month.
See full breakdownCareem Airport Ride
1 discounted airport ride per year, up to AED 84 off.
Get up to AED 84 off 1 Careem airport ride per year using promo code 'MAUAE2'.
See full breakdownTalabat Discount
20% off Talabat orders (up to AED 14), once a month.
Get a 20% instant discount, capped at AED 14, on grocery and food orders placed through Talabat using promo code 'MASTERCARD'. Valid once per calendar month.
See full breakdownEasy Payment Plan
Convert big purchases into fixed monthly instalments.
Convert eligible purchases into an Easy Instalment Plan. Loan on Card and Citi PayAll are also available for additional flexible repayment options.
See full breakdownFees
315AED
Annual Fee
Free in year 1; waived from year 2 if annual card spend reaches AED 9,000
3.69%
Monthly Interest Rate
Equivalent to 44.28% per annum effective 1 October 2026, up from 42% per annum previously
230AED
Late Payment Fee
Over-Limit FeeAED 249*
*Or the highest daily over-limit amount during the statement period, whichever is lower
Cash Advance FeeAED 99*
*3% of the cash advance amount, capped at AED 250, or AED 99, whichever is higher
International Transaction Fee (non-AED)2.99%
Minimum Payment Due2.74%*
*Higher of AED 100 or 2.74% of the statement balance, plus all outstanding fees, charges and any past due amount
Frequently Asked Questions
Get answers to common questions about Citi Rewards Credit Card credit card
Similar cards
CBD
CBD Yes Rewards Credit Card
Salary: AED 5,000+
No Annual Fee for the first Year
20,000 Yes Rewards Welcome Bonus
Save up to 15% on fuel.
50% off cinema tickets
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
Salary: AED 8,000+
No Annual Fee for the First Year
10,000 Touchpoints for spends of AED 10,000
Vox Cinema Buy one Get one offer
20% off on talabat orders
FIRST ABU DHABI BANK (FAB)
FAB Rewards Indulge Card
Salary: AED 5,000+
No Annual Fee
20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
5 FAB Rewards on online spends
1 FAB Reward on all other spends
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
Other credit cards from this bank
CITIBANK
Citi Premier Credit Card
Salary: AED 15,000+
Annual Fee: AED 787.50
Welcome Bonus: AED 750 statement credit after AED 10,000 spend in 60 days
3 ThankYou Points per USD on dining, fuel and grocery
2 ThankYou Points per USD on other international spend
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,150
30,000 annual bonus miles
5 miles/USD non-AED
2.5 miles/USD in AED
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,575
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
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 Simplicity Credit Card
Salary: AED 5000+
No Annual Fee
20% discount on Talabat
CITIBANK
Citi Ready Credit Card
Salary: AED 8,000
No Annual Fee for the First Year
Instant cash advance upon credit limit approval
Up to 6X of your monthly income or up to AED 175,000, whichever is lower