Citibank Premier Credit Card
A points-earning credit card by Citibank with 3 points per USD on dining and groceries, plus international travel rewards.
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, heavily on dining and groceries.
Not ideal if
You mainly spend on domestic travel, utilities, or education with weak earning rates.
Watch out for
AED 787.50 annual fee is not waivable and requires strong category spend to justify.
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 caps.
2 points per USD on international transactions for frequent travelers.
AED 350 welcome bonus after spending AED 10,000 in 60 days.
Includes lounge access, airport transfer, golf, and fast track perks.
Watch out for
AED 787.50 annual fee is not waivable regardless of spend.
Only 0.25 points per USD on education and utilities.
Requires AED 15,000 minimum monthly salary to qualify.
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 transactions to earn enough points to justify the cost. The AED 350 welcome bonus helps offset part of the fee in the first year if you meet the AED 10,000 spend requirement in 60 days.
How many points do I earn on dining and groceries?
You earn 3 points per USD spent on dining and groceries, with no monthly or annual caps. This is the card's strongest earning rate.
Can I use this card abroad?
Yes, the card earns 2 points per USD on international transactions. The foreign exchange markup is 3.14%, which is standard for UAE credit cards.
Does this card earn on school or university fees?
Yes, but the earn rate is only 0.25 points per USD on education spend, which is much lower than the dining and grocery rates. If education is a major expense, this card may not be the best choice.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 15,000 to qualify for the Citibank Premier Credit Card.