Citibank Premier Credit Card
A points credit card by Citibank earning 3 points per USD on dining and groceries, plus 2 points per USD internationally.
AED 787.50
Up to 3 pts/USD
AED 15,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 or more monthly on dining, groceries, and international purchases.
Not ideal if
You mainly spend on utilities, education, or domestic categories with weak earning rates.
Watch out for
AED 787.50 annual fee is not waivable and requires strong category spend to offset.
Calculate This Card’s Value
Earning Rates
3 pts/USD
3 pts/USD
0.25 pts/USD
2 pts/USD
0.25 pts/USD
1 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3 points per USD on dining and groceries with no cap.
2 points per USD on international spend boosts overseas earning.
Includes lounge access, airport transfers, golf rounds, and fast track.
AED 350 welcome bonus after AED 10,000 spend in 60 days.
Watch out for
AED 787.50 annual fee is not waivable regardless of spend.
Education and utilities earn only 0.25 points per USD.
3.14% FX markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 787.50 annual fee is not waivable, so you need to spend heavily on dining, groceries, and international purchases to earn enough points to offset the cost. If you spend AED 10,000 or more monthly in these categories and use the included perks like lounge access and golf, the fee can be justified.
How many points do I earn on dining and groceries?
You earn 3 points per USD spent on dining and groceries with no monthly cap. This is one of the card's strongest earning categories.
Can I use this card abroad?
Yes, the card earns 2 points per USD on international spend. However, a 3.14% foreign exchange markup applies, which reduces the effective value of your overseas purchases.
Does this card earn on school or university fees?
Yes, but education spending earns only 0.25 points per USD, which is much lower than the 3 points per USD you earn on dining and groceries. If education is a major expense, this card may not be the best choice.
What is the welcome bonus?
You receive an AED 350 statement credit after spending AED 10,000 within the first 60 days. This bonus helps offset part of the first year's annual fee.