Citi Cash Back cashback rate, cap and annual fee
Citi Cash Back pays 3% at non-AED spending, 2% on groceries and 1% on everything else. The card costs AED 300 a year.
Citibank · United Arab Emirates · catalogue v101
Read from Citibank's own published terms on 17 Sep 2026.
AED 300Annual fee
3%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| non-AED spendingtravel | 3.00% | —Any non-AED spending, uncapped. Applies to every foreign-currency purchase, not only travel merchants — against which Citibank takes 2.99% back as a f |
| groceries | 2.00% | —Supermarkets, uncapped. |
| everything else | 1.00% | —Everything else, uncapped. |
Modest rates and genuinely no cap — Citi's own words are "No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit)". The fee is the part worth reading: free in year one, and from year two waived unless you spend under AED 9,000 in the year, in which case it is AED 300. Utility bills paid through Citibank's own online, mobile or phone channels earn nothing, and nor does spend above your credit limit within a statement cycle. The 3% is on non-AED spending of any kind, not on travel merchants — it is filed under travel because that is where the app can hold it, and it applies to every foreign-currency purchase. Source: citibank.ae, checked 17 Sep 2026.
Questions people ask
What cashback does the Citi Cash Back pay?
3% at non-AED spending, 2% on groceries and 1% on everything else.
Is there a cap on the Citi Cash Back?
No monthly cap is published on the rates shown here.
What is the annual fee on the Citi Cash Back?
AED 300 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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