Citi Premier cashback rate, cap and annual fee
Citi Premier pays 1.81% on groceries, and 9 other rates. The card costs AED 787.50 a year.
Citibank · United Arab Emirates · catalogue v101
Read from Citibank's own published terms on 19 Sep 2026.
AED 787.50Annual fee
1.81%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries | 1.81% | —Supermarkets in dirhams, on the band with dining and fuel. |
| dining | 1.81% | —Restaurants in dirhams, on the same band. |
| fuel | 1.81% | —Fuel in dirhams, on the same band. |
| non-dirham spendingtravel | 1.21% | —Anything bought in a currency other than the dirham, not only travel. European currencies earn half this, and Citibank takes 2.99% back as a foreign-e |
| everything else | 0.60% | —Everything else in dirhams. |
| government | 0.15% | —Government services and utilities, at 25% of the card's dirham rate. Utility bills paid through Citibank's own app, website or phone line earn nothing |
| phone and internet | 0.15% | —Telecoms, on the same reduced band. |
| education | 0.15% | —Education, on the same reduced band, with insurance. |
| rent and property | 0.15% | —Real estate, on the same reduced band. |
| transit and transport in dirhamstravel | 0.15% | —Transit and transport paid in dirhams, on the same reduced band. |
The best of Citi's UAE range for ordinary spending: 3 ThankYou Points per US dollar on groceries, dining and fuel in dirhams, which at the cash-rebate rate of 45 points to the dirham is about 1.8%. Two points per dollar abroad, one on everything else in dirhams. The reduction here is harsher than on the miles cards: government services, utilities, telecoms, education, insurance, real estate, transit and transport in dirhams earn 25% of the dirham rate, so about 0.15%. European currencies earn half the foreign rate. Utility bills paid through Citibank's own app, website or phone line earn nothing at all — the same bill paid at the provider earns the reduced rate. Points are worth 30 to the dirham put against airline, hotel and travel-agent spending, 40 offsetting any transaction in the app, 45 as a plain cash rebate and 70 through the SMS route — the cash rebate is what every figure here uses. Requires AED 15,000 a month. Citi's Key Facts Statement lists the penalty fees for the whole range and not the annual membership fee; the figure here came from public comparison sources and should be confirmed. Source: citibank.ae Key Facts Statement - Cards (July 2026) and the Rewards and Redemptions page, read 19 Sep 2026.
Questions people ask
What cashback does the Citi Premier pay?
1.81% on groceries, and 9 other rates.
Is there a cap on the Citi Premier?
No monthly cap is published on the rates shown here.
What is the annual fee on the Citi Premier?
AED 787.50 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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