Main Feature:

Cashback: Automatic Cashback on all Spend.

• 3% cashback on all non-AED spend
• 2% cashback on all grocery / supermarket spend
• 1% on all other spend

 

No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.

 

Financial Features:

Annual Fees: 

• No annual fee in year 1
• From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

 

Minimum Salary Requirement: AED 8,000

Retail Interest Rate: 3.5% will be charged on the outstanding amount on monthly basis after 52 days interest free period

Foreign Currency Transactions Rate: 2.99% per month; Applicable on overseas transactions only

Balance Transfer Fees: Balance transfer at 0% rate of interest for 6 monthly instalments. One time processing fee of only 3% of the BT amount. No pre-closure fee.

Repayment Period: 22 Days from statement date

Purchase Protection: No

Other Benefits:

• PayLite: turn any big purchases into small payments
• Fast, safe and effortless purchases, with Apple Pay

 

Travel Benefits:

Airport Lounge Access: Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app

Travel Medical Insurance: Complimentary Travel Insurance

Miles Program:  No, this card does not have a rewards program.

 

Leisure and Entertainment Benefits:

Cinema Offer: No

Dining Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Golf Benefits: No

Other Benefits:

• Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
• Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
• 2 complimentary airport rides per year (up to AED 110 each) using code “MAUAE2“ on the Careem app