Citibank Rewards Credit Card
A points credit card by Citibank earning 1.5 points per USD on groceries and international spend.
AED 315.00
Up to 1.5 pts/USD
AED 8,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on groceries and international purchases, meeting AED 9,000 annually.
Not ideal if
Your spending is mostly domestic or concentrated in education and utilities categories.
Watch out for
AED 9,000 annual spend required to waive the AED 315 fee.
Calculate This Card’s Value
Earning Rates
1.5 pts/USD
0.25 pts/USD
1.5 pts/USD
1 pts/USD
0.25 pts/USD
1 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
1.5 points per USD on groceries and international spend with no caps.
Annual fee waived with AED 9,000 annual spend, just AED 750 annually.
Lounge access and airport transfer perks included.
AED 150 welcome bonus after AED 6,000 spend in 60 days.
Watch out for
Only 0.25 points per USD on education and utilities, very low earning.
3.14% FX markup on international transactions reduces value abroad.
AED 8,000 minimum salary requirement limits eligibility.
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 per year, which is AED 750 per year. If you meet this threshold, the fee is not a concern.
How much do I earn on groceries?
You earn 1.5 points per USD spent on groceries with no monthly cap. This is one of the card's strongest earning categories.
Does this card earn on school or university fees?
Yes, but only 0.25 points per USD on education spend, which is much lower than groceries or international purchases.
Can I use this card abroad?
Yes, you earn 1.5 points per USD on international spend. However, the card charges a 3.14% FX markup on foreign currency transactions.
How does the welcome bonus work?
You receive AED 150 after spending AED 6,000 within the first 60 days of card membership. This bonus helps offset the annual fee in your first year.