Citibank
Citi Rewards Credit Card
The Citi Rewards Credit Card is a rewards credit card from Citibank. It has an annual fee of AED 315, and needs a minimum salary of AED 8,000 a month.
Annual fee
AED 315
Joining fee
Free
Min. salary
AED 8,000/mo
Rewards in
Citi ThankYou Points
Material
Plastic
Card highlights
- Earn 1.5 Citi ThankYou Points per USD on groceries and non-AED spend, 1 on general AED spend
- 8 complimentary lounge visits a year (1,200+ lounges via Mastercard Travel Pass), unlocked by international spend
- 30% off up to 2 VOX cinema tickets a month, plus 1 free Careem airport ride a year
- 20% off 1 Talabat order a month (up to AED 14) with code MASTERCARD
Earn rates
| Category | Rate |
|---|---|
| Supermarket | 0.9% |
| International spend | 0.9% |
| Travel | 0.6% |
| Retail | 0.6% |
| Dining & food | 0.6% |
| Fuel | 0.6% |
| Online shopping | 0.6% |
| Utilities | 0.15% |
| Education | 0.15% |
| Transport | 0.15% |
| Real estate | 0.15% |
0.75 ThankYou Points per USD on spend in European Economic Area currencies, against 1.5 per USD on other non-AED spend. Citi's EEA list is EUR, BGN, HRK, CZK, DKK, HUF, PLN, RON, SEK, ISK, NOK and CHF. Sterling is not on that list, so UK spend in GBP earns the full non-AED rate. In Perkly's terms that is about 0.45% back, not the international rate shown above.
Current welcome offer
Earn AED 300 as a statement credit when you join
- Spend AED 6,000 within 60 days to qualify
- New Citi Credit Card customers only, applying directly through the Citi website (third-party and comparison-site applications do not qualify)
- First year free, then the AED 315 annual fee is waived if you spend AED 9,000 or more in the year
Expected offer expiry: January 2027
Benefits & perks
- •Airport lounge access at 1,200 lounges worldwide via Mastercard Travel Pass: 8 complimentary visits/year
- •30% off up to 2 cinema tickets per month at VOX
- •1 complimentary Careem airport ride per year (up to AED 84 off) with code MAUAE2
- •20% off 1 Talabat grocery or food order per month (up to AED 14) with code MASTERCARD
- •Guest lounge access available at USD 32 per guest, billed to the card
- •0% easy instalment plan
- •Citi PayAll: pay rent, school fees and similar bills by card
- •Cash loan on card, taken instantly and repaid in instalments
Every card is checked against official bank sources. Last updated September 2026.
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More from Citibank
Citi Premier Credit Card
- Earn 3 Citi ThankYou Points per USD on dining, fuel and groceries; 2 on non-AED spend; 1 on general AED spend
- 14 complimentary lounge visits a year across 1,200+ lounges via Mastercard Travel Pass (shared with supplementary cardholders and guests)
Updated September 2026
Citi Prestige Credit Card
- Earn 3 ThankYou Points per USD on non-AED spend, 2 per USD on local AED spend including groceries and fuel
- 14 complimentary lounge visits a year across 1,200+ lounges (Mastercard Travel Pass), shared with supplementary cardholders and guests
Updated September 2026