Citi Rewards Card vs Mashreq Cashback Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Citi Rewards Card comes out ahead on estimated net value — about AED 761/yr more than the Mashreq Cashback Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Citi Rewards Card Best value | Mashreq Cashback Card Popular |
|---|---|---|
| Issuer | Citibank | Mashreq |
| Annual fee | AED 295 / year | No annual fee |
| Welcome bonus | 30,000 ThankYou Points | Up to AED 500 cashback in first 90 days |
| Min. income (monthly) | AED 8,000 | AED 5,000 |
| Reward type | points | cashback |
| Headline rate | — | 5% cashback |
| Bonus categories | dining, online, travel | fuel, dining, groceries, utilities |
| Lounge access | Yes | No |
| Foreign tx fee | 3.25% | 2.99% |
| Est. net value / yr | AED 2,033 | AED 1,272 |
| Apply | Apply |
Frequently asked questions
- Citi Rewards Card vs Mashreq Cashback Card: which is better?
- On our reference spend profile the Citi Rewards Card delivers higher estimated net value than the Mashreq Cashback Card in United Arab Emirates, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Citi Rewards Card and Mashreq Cashback Card?
- Citi Rewards Card: AED 295 / year. Mashreq Cashback Card: No annual fee.
- Which earns more rewards, Citi Rewards Card or Mashreq Cashback Card?
- Citi Rewards Card earns points; Mashreq Cashback Card earns 5% cashback. We rank by net value after fees, not headline rate alone.