Citi Rewards Credit Card
The Citi Rewards Credit Card earns ThankYou Points that never expire, with bonus points on dining, department stores and travel, plus the flexibility to redeem across many partners.
Why it ranks
- Points never expire
- Flexible, wide-ranging redemptions
- No annual fee option available
What holds it back
- Bonus categories may be capped
- Foreign currency markup on overseas spend
- Lounge access terms vary by card tier
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Citi Rewards Credit Card earns ThankYou Points that never expire, with bonus points on dining, department stores and travel, plus the flexibility to redeem across many partners.
Citi Rewards Credit Card at a glance
| Issuer | Citibank UAE |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Welcome ThankYou Points bonus after activation and spend |
| Rewards rate | Bonus points on dining, department stores and travel |
| Intro APR | Not applicable |
| Regular APR | Approx. 3.25% per month on outstanding balances |
| Foreign transaction fee | Foreign currency markup applies (approx. 2.99%) |
| Credit needed | Stable income, UAE residency |
| Best for | Rewards collectors wanting flexible, lasting points |
| Airport lounge access | Yes |
Rewards & benefits
- Bonus ThankYou Points on dining, department stores and travel
- Points never expire while the account is active
- Flexible redemption across airline and retail partners
- Complimentary lounge access on eligible Citi cards
Eligibility & who it suits
- UAE resident with valid Emirates ID
- Minimum salary of approximately AED 8,000 per month
- Stable, verifiable income
- Pass Citibank's credit assessment
How to apply
Check current rates on Citibank UAE’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UAE cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CUCitibank UAECiti RewardsNo annual fee · AE Citi Rewards Credit CardRewards collectors wanting flexible, lasting points |
None | Bonus points on dining, department stores and travel | Welcome ThankYou Points bonus after activation and spend | Foreign currency markup ap… | Stable income, UAE residency | |
| 2 | ADAbu Dhabi Commercial Bank (ADCB)ADCB TouchPoints InfiniteAED 1,050/yr · AE ADCB TouchPoints Infinite Credit CardAffluent UAE residents who value lifestyle privileges |
AED 1,050/yr | Up to 4 TouchPoints per AED4 spent (category dependent) | Welcome TouchPoints bonus after activation and spend | Foreign currency markup ap… | High income, UAE residency |
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