Citi Cashback Credit Card
No salary transfer needed
Free first year; from year 2 waived on AED 9,000 annual spend, otherwise AED 300
What it costs.
- Annual fee
- AED 300
- Fee note
- Free first year; from year 2 waived on AED 9,000 annual spend, otherwise AED 300
- Monthly rate
- 3.50%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 51.1%
- Minimum salary
- AED 8,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- 3% cashback on non-AED spend
- 2% cashback on grocery spend
- 1% on all other spend
- No caps, no minimum spend, no redemption process
- 2 complimentary airport rides per year (up to AED 110 each)
- Unlimited access to 1,100+ lounges worldwide
- Buy 1 Get 1 offers via Mastercard Priceless Specials
- Apple Pay, PayLite, Citi World Privileges
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.