Rewards Card
No salary transfer needed
Free in year 1; from year 2 waived on AED 9,000 annual spend, else AED 300 + VAT applies
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 315
- Fee note
- Free in year 1; from year 2 waived on AED 9,000 annual spend, else AED 300 + VAT applies
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 8,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Welcome offer: AED 150 statement credit on AED 6,000 spend within 60 days (new Citi cardholders via citibank.ae)
- 1.5 ThankYou Points per USD 1 on all grocery and non-AED spend
- 1 ThankYou Point per USD 1 on other local (AED) spend
- Airport lounge access: 1,200 lounges via Mastercard Travel Pass app, 8 visits per year subject to non-AED spend
- VOX Cinemas: flat 30% off 2 movie tickets every month
- Talabat: 20% instant discount (up to AED 14) on grocery and food orders once a month
- Careem: 1 airport ride per year (up to AED 84)
- Flexible points redemption (cash back, travel, vouchers)
- Earn restrictions (KFS): 25% AED points rate on Govt Services, Utilities, Telecom, Education, Insurance, Real Estate, Transit and Transport; no earn on utility bills via Citibank channels
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.