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    Citibank · Cashback

    Citi Cash Back Credit Card

    Min. salary
    AED 8,000
    Annual fee
    AED 300
    Fee waiver
    Available
    Primary rewards
    Cashback

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

    No Annual Membership Offer
    No AMF for year 1
    AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies. Citibank Terms & Conditions apply.

    Overview

    Enjoy automatic cash back on all purchases with Citi Cash Back Credit Card with no annual fee (subject to spend)

    Key benefits:

    • Automatic cash back: 3% on non-AED; 2% on groceries; 1% on all other spend
    • No caps (up to monthly credit limit), no minimum spend and spend categories excluded
    • Airport transfers & Airport lounges
    • Discounts on food delivery

    Rewards structure

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

    Benefits

    No Annual Membership Fee

    No Annual Membership Fee (AMF) subject to spend*

    Automatic cash back

    Automatic cash back on all purchases, with no minimum spend: 3% on Non-AED spend, 2% on Grocery Spend and 1% on all other spend

    No caps or redemption process

    No caps (up to the credit limit each month), no redemption process and no spend categories excluded

    Airport Lounges

    Access to 1,200+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app (T&Cs apply)

    Airport Transfers

    1 airport rides per year (up to AED 84 each) using code "MAUAE2“ on the Careem app

    Talabat

    20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout

    Travel Accident & Medical Insurance

    Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions

    * No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

    Fees and key details

    Minimum salaryAED 8,000
    Annual feeAED 300
    Fee waiver / annual fee noteNo AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies.
    Welcome offerNo AMF for year 1

    Basic eligibility

    Minimum monthly salaryAED 8,000
    ResidencyUAE Resident Required
    EmploymentSalaried and Self-employed

    Documents you may need

    The issuer may request documents to verify your identity, residency, employment and income.

    Emirates ID

    Valid passport

    Valid UAE residence visa

    Salary certificate or recent bank statements

    Trade licence or business documents, for self-employed applicants

    Any additional documents requested by the issuer

    How the process works

    Review the product details

    Understand the available features, fees, eligibility requirements and repayment conditions.

    Check eligibility

    Submit your details and consent to be contacted.

    Discuss the next steps

    The FinShark team or authorised fulfilment partner will explain the relevant process and available information.

    Issuer review

    The issuer assesses the application, supporting documents, income and credit profile before making a final decision.

    Submission of your details does not constitute approval. Final eligibility, terms and approval are determined by the issuer.

    Important information

    Product information is provided for general comparison purposes and may change. Eligibility, fees, rewards, benefits and approval are determined by the card issuer. Terms and conditions apply.

    Frequently asked questions

    What is the minimum monthly salary required for Citi Cash Back?

    The minimum monthly salary required for Citi Cash Back is AED 8,000.

    What is the Annual Membership Fee for Citi Cash Back?

    The Annual Membership Fee for Citi Cash Back is AED 300.

    Is the Citi Cash Back annual fee waived for the first year?

    There is no Annual Membership Fee for year 1.

    How can the Citi Cash Back annual fee be waived after the first year?

    The Annual Membership Fee is waived from year 2 onwards subject to a minimum AED 9,000 spend in the previous 12 months. Otherwise, an AED 300 fee applies.

    How much cash back is earned on non-AED spend?

    Citi Cash Back provides 3% cash back on non-AED spend.

    How much cash back is earned on grocery spend?

    Citi Cash Back provides 2% cash back on grocery spend.

    How much cash back is earned on other spend?

    Citi Cash Back provides 1% cash back on all other spend.

    Is there a minimum spend requirement for earning cash back?

    There is no minimum spend required to earn cash back.

    Is there a cap on the cash back earned?

    Cash back has no caps up to the credit limit each month.

    Is a redemption request required for Citi Cash Back?

    There is no redemption process for the automatic cash back.

    Does Citi Cash Back include airport lounge access?

    Citi Cash Back provides access to 1,200+ lounges worldwide for primary and supplementary cardholders through the MasterCard Travel Pass app. Terms and conditions apply.

    Does Citi Cash Back include an airport transfer?

    Citi Cash Back provides 1 airport ride per year, up to AED 84, using code “MAUAE2” on the Careem app.

    What Talabat benefit is available with Citi Cash Back?

    Citi Cash Back provides a 20% discount, up to AED 14, on grocery and food orders once a month on the Talabat app using code “MASTERCARD”.

    Does Citi Cash Back include travel insurance?

    Citi Cash Back includes Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions.

    Do terms and conditions apply to Citi Cash Back benefits?

    Citibank Terms & Conditions apply to the annual fee waiver, cash back and card benefits.

    Why this card may suit you

    No Annual Membership Fee (AMF) subject to spend*

    Automatic cash back on all purchases, with no minimum spend: 3% on Non-AED spend, 2% on Grocery Spend and 1% on all other spend

    No caps (up to the credit limit each month), no redemption process and no spend categories excluded

    Airport Lounges: access to 1,200+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app (T&Cs apply)

    Talabat: 20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout

    Check your eligibility

    Share your details and our team will help you understand the available next steps.

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