Complete the application and receive an amazon voucher for AED 100
| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Citi Cash Back Credit Card
|
Minimum Salary: AED 8,000 | Salary Transfer: No | Islamic Finance: No | Cashback: Yes | Annual Fee: AED 315 | Rate: 3.69% |
Main Features:
- Earn an AED 300 statement credit as a welcome bonus upon spending a minimum of AED 6,000 within the first 60 days of card issuance.
- Cashback is earned automatically with no minimum spend threshold, no retail categories excluded, and no annual caps (up to the monthly credit limit).
- Convert major retail purchases into manageable monthly installments.
- Instant cash access against your available credit limit.
- Supported on Apple Pay, Google Pay, and managed through the Citi Mobile® App.
Key Benefits:
- Earn 3% cashback on all non-AED (foreign currency) purchases.
- Earn 2% cashback on all grocery and supermarket spending.
- Earn 1% cashback on all other local and general retail spend.
- Complimentary first-year membership; fee continues to be waived in subsequent years with minimum spend.
More Product Benefits:
- 8 complimentary visits per calendar year to over 1,200 airport lounges worldwide via the Mastercard Travel Pass app for primary and supplementary cardholders (subject to non-AED spend conditions).
- 1 complimentary airport ride per year (up to AED 84 value)
- Talabat 20% discount (up to AED 14) on monthly food and grocery orders.
- Carrefour App: AED 40 discount once a month.
- No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit).
- Access to "In Good Company" local dining, shopping, and entertainment privileges across the UAE.
Rates and Fees:
- Annual membership fee AED 315 (including VAT); First-Year Annual Fee; Annual Fee (Year 2 onwards): AED 300 (Waived if annual spending reaches AED 9,000 or more; plus 5% VAT)
Eligiblity & Requirements:
- Minimum Monthly Salary: AED 8,000
- Age Requirement: 18 years old or above
- Residency: UAE residents with valid legal status
Documents Required:
- Valid Emirates ID (original / copy)
- Valid Passport copy
- Valid UAE Residence Visa copy
- Salary Account IBAN details (and bank statement if requested during verification)
Terms and conditions apply, subject to change without prior notice.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
