u/AnxiousAd8006

Hello guys,

Which card is preferable between these two, considering both are Mastercard World tier cards?
I already have both and want to keep one and close the other.

Lounge access:
Citi Rewards: Cardholder 8, Guest 0
FAB Cashback: Cardholder 8, Guest 6

Annual Fee:
Citi Rewards: AED 315/- (waived off if u spend 9K annually)
FAB Cashback: AED 315/- (not waived off)

Rewards Structure: :
FAB Islamic Cashback: 5% Cashback on dining, grocery and fuel. (Minimum spending 3K).
Citi Rewards: ThankYou points. (No idea how much it’s worth)

My spending is mostly groceries, dining, and online shopping. all my spending goes through Tabby with SIB.