CITI Cashback Card

  • Minimum Salary AED 8,000
  • Salary Transfer No
  • Islamic No
  • Cashback Yes
  • Annual Fee 0
  • Rate


Enjoy automatic Cashback on all spend with the Citi Cashback Credit Card. 

Earn 3% on non-AED spend, 2% on grocery & supermarket spend and 1% on all other spend. No caps (up to monthly credit limit) , no minimum spend, no redemption process and no spend categories excluded.


  • Earn AED 500 Cashback welcome offer when you apply for a Citi Cashback Credit Card
  • 3% cashback on non-AED spend, 2% cashback on Grocery Spend and 1% cashback on all other Spend


Main Feature:

Cashback: Automatic Cashback on all Spend.

Earn AED 500 Cashback welcome offer when you apply for a Citi Cashback Credit Card

  • 3% cashback on all non-AED spend
  • 2% cashback on all grocery / supermarket spend
  • 1% on all other spend


No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.


Financial Features:

Annual Fees: Free

  • No annual fee in year 1
  • From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Minimum Salary Requirement: AED 8,000

Retail Interest Rate: 3.25% will be charged on the outstanding amount on monthly basis after 52 days interest free period

Foreign Currency Transactions Rate: 2.99% per month; Applicable on overseas transactions only

Balance Transfer Fees: Balance transfer at 0% rate of interest for 6 monthly instalments. One time processing fee of only 3% of the BT amount. No pre-closure fee.

Repayment Period: 22 Days from statement date

Purchase Protection: No

Other Benefits:

  • PayLite: turn any big purchases into small payments
  • Fast, safe and effortless purchases, with Apple Pay


Travel Benefits:

Airport Lounge Access: Unlimited access to 1000+ LoungeKey lounges worldwide 

Travel Medical Insurance: Complimentary Travel Insurance

Miles Program:  No, this card does not have a rewards program.


Leisure and Entertainment Benefits:

Cinema Offer: No

Dining Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Golf Benefits: No

Other Benefits:

  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Documents Required

  • Valid Passport & Visa Copy.
  • Emirates ID copy.
  • Salary Certificate addressed to Citibank.
  • 3-month Salary bank statements.

Additional Info

All info mentioned can change at any point in time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change. 

*5% VAT applicable over and above the annual fee.

Offer Terms and Conditions:

1. This offer is applicable to new Citi Cashback Credit Card customers who submit a lead through the statement credit offer for digital acquisition campaign, successfully get approved for a credit card and meet the minimum retail spend requirements listed below.

2. The offer is available until June 30,2022 or discontinuation of the offer, whichever comes first.

3. This offer is exclusively provided by Citibank N. A. - UAE Branch (Citibank) and is subject to Citibank Terms and Conditions.

4. To qualify for the digital acquisition campaign, you must be approved for a Citi card and meet the minimum spend amount within the first 90 days from the card approval as follows:

o Citi Cashback Card: AED 500 statement credit, subject to a minimum spend of AED 10,000.

5. The statement credit will be posted within 30 working days after the respective minimum spend criteria was achieved as per the card type.

6. This offer is not applicable for other Citi Credit Cards, existing Citi customers and Citi staff or customers who have closed a Citi Card within the last 24 months.

7. Reversed / Refunded purchases, bill payments via Citibank Online or Citi Mobile, Cash Withdrawal, payment of AMF, financial charges, bank fees, balance transfers and loan on card are not eligible for cashback and will not count towards the minimum monthly card spend specified above.

8. The customer is not eligible to receive the offer if they meet the spend criteria but fail to make any minimum payments due against their card or are on any payment block during the campaign period at the time of statement credit fulfillment

9. Citibank reserves the right to, without liability or prejudice to any of its other rights, at any time, without previous notice and from time to time, withdraw/suspend/amend/cancel this offer, with or without any reason

10. This offer will not be available in conjunction with any other sign up offers/promotions

11. All Credit Cards are approved at the sole discretion of Citibank, N.A UAE (Citibank N.A.). Approval for a credit card is subject to receipt of complete documentation (in original), required information to the satisfaction of the bank and successful verification

12. By inquiring about Citibank, N.A. services, offers or products, the applicant authorizes Citibank, N.A. representatives to approach him/her on their contact details including their telephone/mobile number for any product or service offered by Citibank, N.A. anytime within 12 month period from the time of this acknowledgment

13. Citibank Terms and Conditions apply. They are subject to change and are available upon request. For the current Terms and Conditions please visit

14. The customer has to read and acknowledge all the Terms & Conditions listed on the registration page before applying

15. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partner(s)/ other entity(ies). Partner Terms & Conditions apply’ wherever applicable

16. In no event shall Citibank, any of its affiliates, or any of their officers, directors, employees or agents be liable for any loss, damage or expense arising out of or otherwise related to this offer.

17. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information.

18. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information.

19. The products mentioned in this document are not offered to individuals residents in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services herein to such individuals.

Warning: If you do not meet the repayments/payments on your loan/financing, your account will go into arrears.

This may affect your credit rating, which may limit your ability to access financing in the future Citibank N.A. - UAE Branch (Citibank) is licensed by the Central Bank of the UAE.


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By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank.