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 AED 5,000 to 10,000 monthly with regular international and grocery purchases.
Not ideal if
You focus spending on dining, entertainment, or rarely shop internationally.
Watch out for
Annual fee of AED 315 applies unless you spend AED 9,000 monthly.
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 when you spend AED 9,000 or more monthly.
1% cashback on all other purchases ensures baseline earning.
Watch out for
No bonus earning on dining or entertainment categories.
AED 315 annual fee applies if you spend below AED 9,000 monthly.
3.14% foreign exchange markup reduces value 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 month. If you spend less, the fee will reduce your net cashback, so calculate whether your international and grocery purchases justify the cost.
What is the minimum spend to earn cashback?
There is no minimum spend requirement to earn cashback. You earn 3% on international purchases, 2% on groceries, and 1% on all other spend from your first transaction.
Can I use this card abroad?
Yes, the card works internationally and earns 3% cashback on foreign transactions. However, a 3.14% foreign exchange markup applies, which reduces the effective cashback to near zero on overseas spend.
How does the welcome bonus work?
You receive 150 bonus points when you spend AED 6,000 within the first 60 days of card approval. The points can be redeemed for cashback or other rewards through Citibank's rewards program.
Does this card have spending caps on cashback?
No, there are no monthly or annual caps on the 3% international, 2% grocery, or 1% baseline cashback rates. You earn unlimited cashback on all eligible purchases.