Citibank Cash Back Credit Card
A cashback credit card by Citibank with 3% on international spend and 2% on groceries.
AED 315.00
3% international
AED 8,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on international purchases and groceries, at least AED 5,000 monthly.
Not ideal if
You focus on dining or domestic shopping with minimal international spend.
Watch out for
AED 315 annual fee applies if you spend less than AED 9,000 per year.
Calculate This Card’s Value
Earning Rates
3%
2%
1%
Perks
Key Strengths and Weaknesses
Strengths
3% cashback on international spend with no monthly cap.
2% cashback on groceries with no monthly cap.
Annual fee waived with only AED 9,000 annual spend.
Lounge access and airport transfer perks included.
Watch out for
Only 1% cashback on dining and other domestic categories.
AED 8,000 minimum salary requirement may exclude some applicants.
3.14% FX markup reduces net cashback on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is waived if you spend AED 9,000 or more per year, which is only AED 750 per year. If you meet that threshold, the fee is not a concern.
How much cashback do I earn on international purchases?
You earn 3% cashback on all international spend with no monthly cap. The 3.14% FX markup applies, so your net benefit is close to zero, but you still earn cashback on the base amount.
Does this card earn cashback on groceries?
Yes, you earn 2% cashback on groceries with no cap. This applies to supermarket purchases in the UAE and abroad.
What is the welcome bonus?
You receive 150 bonus points when you spend AED 6,000 within the first 60 days of card membership.
Can I use this card for dining rewards?
Dining earns only 1% cashback, the same as all other spend. If dining is your main category, other cards offer higher rates.