Card Services
Citi Cash Back Credit Card
Get amazing Cashback on All Purchases
Benefits of Citi Cash Back Credit Card
3% Cashback
With the Citi Cash Back Card, earn 3% cashback on non-AED spend.
2% Cashback
Citi Cash Back Card lets you save on your grocery purchases, as it offers 2% cashback on grocery/supermarket spend.
1% Cashback
Earn 1% cashback on all other spend with your Citi Cash Back Card and make your spend more rewarding.
No Annual Fee
Citi Cash Back Card does not charge any annual fee in year 1. From year 2 onwards, no annual fee will be charged if you reach the minimum spend of AED 9,000*
Clear, Simple & Easy
No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit)
Learn more
Unlimited Global Airport Lounge Access
Unlimited access to 1,100+ airport lounges worldwide, with MasterCard Travel Pass app.
Click here
Top 3 Citi Cash Back Credit Card Features
Easy Installment Plan
Shop to your heart’s content with the Citi Cash Back Card and turn any big purchase into small payments with ease.
Cash Loan
Fulfill cash requirements in no time as Citi Cash Back Card offers instant cash at a click of a button.
Citi Promotions
Enjoy Local discounts and offers on dining, online shopping and entertainment with the Citi Cash Back Card and create more cherishable memories with your loved ones.
Freedom to do more with the new
Citi Mobile® App
Citi Cash Back Credit Card Offers
Airport Transfers
2 airport rides per year (up to AED 44 each) using code "MAUAE2“ on the Careem app.
In Good Company
Explore the world of benefits and offers with the Citi Cash Back Card. Indulge with Mastercard's most privileged offerings and enjoy a wide array of exciting and premium offers. From lifestyle to travel benefits and more, the privileges from Citi Cash Back Card can help you enhance each experience
Apply for Cash Back Credit Card Now & Maximize your Savings
Get a new Citi Cash Back Card from your phone or computer in an easy, paperless signup process
How to Apply for Citi Cash Back Card?
No annual fee in year 1. From year 2, no annual fee upon meeting the minimum spend requirement.*
Your minimum income should be AED 8,000 per month
Age 21 or older
How to Apply for Citi Cash Back Card?
Here are the steps required to apply for a Citi Cash Back Card in the UAE:
- Visit the Citibank UAE website, select the Citi Cash Back Card and click "Apply Now" to start the application process.
- Fill out the application form with details such as name, contact information, and the requested income details.
- Upload required documents if necessary.
- Sign the consent declaration.
- Finally, review and submit the application.
- Alternatively, applicants can send a callback request, and a bank representative will contact the applicant to guide them through the process.
- Eligibility and documents required for all nationalities
- Documents Required
- Age: 21 years old or above
- Minimum monthly income of AED 8,000
- Required documents: valid Emirates ID, Passport and valid UAE Visa copy.
- Important Information: both Salary account IBAN number and Passport number will be needed during the application
While applying for a cashback card in the UAE, applicants need to submit their valid Emirates ID, Passport, and a valid UAE visa copy. The bank may also require the applicant's salary account or International Bank Account Number (IBAN) to process the cashback card request.
Frequently Asked Questions
Cashback on a credit card can be defined as rewards in the form of statement credit, that a customer gets upon using the cash cack credit card to make purchases. Customers can use the credited cashback to offset future purchases.
Citi Cash Back Card comes with the beneficial Citi cashback program that lets you earn cashback on all eligible local spends as well as on non-AED spends. It comes with exciting features, benefits, and privileges that can help you save more. It also offers a higher cashback earn rate on grocery/supermarket spends and provides premium travel, lifestyle, and dining benefits, thereby letting you get a rewarding and fulfilling experience.
With the Citi Cash Back Card, you do not have to satisfy any minimum spend to earn cashback.
The annual fee on the Citi Cash Back Card is AED 300, which will be waived in year 1. In year 2, the annual fee will be waived upon meeting the minimum spend requirement of AED 9,000*.
The cashback points will be accrued and automatically credited to the card account.
Customers can reap the following benefits from a cashback card:
- Cashback from both domestic and international spending.
- Shopping privileges like getting cashback on grocery and supermarket spending.
- Travel privileges like unlimited access to more than 1,100 airport lounges worldwide.
- The flexibility of converting big ticket purchases into small and easy installment plans.
- The convenience of getting instant cash loans.
- Lifestyle benefits, including local discounts and offers on dining, online shopping, and entertainment spending.
Missing the minimum payment due in any month and/or non-adherence to the bank’s Terms and Conditions may subject you to negative consequences and limit your ability to access further financing in the future, including but not limited to, late fee charges, a negative impact on your credit bureau rating, your card account going into arrears and/or collections measures which may include legal action and/or trigger all monies becoming due immediately. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off your outstanding balance.
Terms and Conditions
- Click here for Welcome Offer Terms and Conditions
- *No annual fee in year 1. From year 2 onwards annual fee is waived unless a minimum annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies.
- 5% Value Added Tax (VAT) applicable over and above the annual fee.
- Cash back will not be earned on spend above the credit limit in a statement cycle.
- Cash back will not be earned on utility bill payments via Citi channels (digital or phone).
- Citi Cash back Credit Cards Terms and Conditions apply. For details, please click here.
- Citibank Terms and Conditions apply, are subject to change and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae/tnc. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A – UAE Branch. And makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities.
- Click here to view fees and charges.
Get AED 150 Joining bonus statement credit upon meeting min spend.
Copyright © 2025 Citigroup Inc.
Terms & Conditions:
I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www1.citibank.ae. 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 partners/other entities. 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. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www1.citibank.ae. 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. 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. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Data Privacy (GDPR, LGPD & NZPA)*. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
*GDPR – General Data Protection Regulation ; *LGPD – Lei Geral de Proteção de Dados Pessoais ; *NZPA – New Zealand Privacy Act
Citibank is service mark of Citigroup Inc. or Citibank N.A., used and registered throughout the world.
Citibank NA UAE is registered with Central Bank of UAE under license numbers BSD/504/83 for Al Wasl Branch Dubai, 13/184/2019 for Mall of the Emirates Branch Dubai, BSD/2819/9 for Sharjah Branch, and BSD/692/83 for Abu Dhabi Branch. Tel.: 04 311 4000.
Citibank, N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.
Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority (“SCA”) to undertake the financial activity of A) promotion under license number 20200000097 B) Trading broker in international markets under license number 20200000198.
Copyright © 2025 Citigroup Inc.