Citi Prestige Credit Card Review –

Citi Prestige Credit Card Rating
Reward Points                      ★★★★
Welcome Bonuses               ★★★
Cashback                              ★★★
Annual Fee                           ★★
Offers & Discounts              ★★★
 Additional Benefits            ★★★
Paisabazaar’s Rating           ★★★★


At a glance

Annual Fee Rs.20,000 + taxes
Minimum Annual Income Rs.25 lakh
Eligibility Age 21 or plus

Citi Prestige card by Citibank is a travel and lifestyle card that offers valuable bonuses to you in the form of air miles, reward points and exclusive vouchers. You have the privilege of enjoying exclusive services as complimentary night stays, priority pass access to airport lounges, fast track immigration at airports and much more. If you are a frequent traveller this card can be the right choice for you. Here is our detailed review of the card on the basis of the benefits it offers:

Key Highlights of Citi Prestige Credit Card

  • Earn 1 reward point on every Rs.100 domestic spends
  • Earn 2 reward points on every Rs.100 international spends
  • Get a welcome gift of 10,000 bonus miles and vouchers
  • Avail benefits worth Rs.10,000 from Taj Group or ITC Hotels (every year)
  • 4th night free program at participating hotels
  • Complimentary golf rounds golf lessons at select golf courses in India
  • Complimentary unlimited Priority Pass lounge access
  • Exclusive concierge service


Welcome Gift and Annual Bonus for you

Undoubtedly when it comes to gifts and bonuses, this card doesn’t let you down. With this card, you are entitled to receive:

  • 10,000 bonus Air Miles as a welcome gift
  • 2500 reward points
  • Gift card/vouchers from Taj group or ITC hotel every year

Reward Points on every transaction you make 

The card gives you the option to earn reward points on every domestic and international purchase that you make. Look at the different categories you can earn rewards from-

Rewards Program
Domestic Spends Earn 1 reward point on all Domestic Spends for every Rs.100 spent
International Spends  Earn 2 reward points on International Spends for every Rs.100 spent
Monthly Relationship Bonus Earn up to 50% bonus points up and above your regular earn

You have the option to transfer your reward points to the loyalty programs of leading airlines and hotels. Avail 4 Frequent Flyer Air Miles for every Citi Prestige reward point you transfer to the bank’s airline partners.

Read more about Citibank credit card Reward Points

Make you Travel and Stay convenient 

Your travel and stay becomes smooth and hassle-free with the card offering exclusive luxury stays and air travel benefits. With Citi Prestige Credit Card, you get-

Luxury Stay

  • Get a complimentary 4th night stay at iconic hotels worldwide
  • Get the best hospitality at nominal rates with Taj InnerCircle Silver membership

Air Travel

  • Get access to 800+ airport lounges through Priority Pass
  • Enjoy fast track immigration at over 450 international airports with yQ (meet & assist) services with 25% off on retail rates
  • Get Luxury Airport Transfer Service with 20% off retail rates

The travel and stay benefits are great when compared to what the similar cards offer. If you are a frequent traveller, this card has great to offer in terms of travel and stay benefits at your disposal.

Golf and Concierge Privileges

Get complimentary golf privileges with the Citi Prestige Credit Card-

  • 4 free rounds of golf and golf lessons across 15 golf clubs in India
  • Get additional golf rounds bases on your credit card spends
  • The service is valid for primary & supplementary cardmembers
  • The bookings must be made at least 4 working days in advance

The card doesn’t fall behind to provide you with the best possible assistance. The Citi Privilege 24X7 Concierge team is always there for your help. You can-

  • Enjoy personal assistance for tasks including travel, entertainment, and more services from a personalised concierge team, locally as well as internationally

Other Benefits of Citi Prestige Card 

Apart from offering air miles and reward points, the card also provides you with some added advantages. We have listed down some of the additional privileges you can avail via this card.

Added Benefits of the card
Category Benefit
Overseas Medical Insurance Get oversees medical insurance of USD 50,000
Air Accident Insurance Get Air accident insurance cover of Rs.5 crore
Citi Privilege Service Desk All your queries will be answered by Service desk representative (Available 24/7)
Loyalty Program Membership Get silver memberships with Taj InnerCircle and Taj Epicure Plus Plan
Emergency Card and Cash  You can call Citi Prestige Service Line for card replacement & emergency cash service

Is Rs.20,000 Annual Fee really worth it?

Cards like Citi Prestige Credit Card, while having annual fees of Rs.20,000 offers great perks and allows you to get positive expected value out of them. It is one of the premium credit cards in India that indeed comes with some of the finest benefits on travel and earning reward points. For your help, we have listed below the other fees and charges associated with this card.

Primary Features Fees / Charges
Annual Fee  Rs.20,000
Extended Credit Charges Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
Overlimit Charges 2.5% of the amount over the credit limit, subject to a minimum of  Rs.500
Cash advance fee 2.5% on the billed amount withdrawn, subject to a minimum of Rs.500
Late Payment Charges Rs.300 for current balance less than Rs.10,001

Rs.600 for current balance of Rs.10,001 and up to Rs.25,000

Rs.950 for current balance above Rs.25,000

Paying an annual fee of Rs.20,000 might be super heavy on your pocket, but at the same time can unlock higher earnings and better benefits. If you still feel like the annual fee is way out your budget, you can look for other travel credit cards available on our platform.

Suggested Read: Top Travel Credit Cards in India

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