Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Citibank Prestige Credit Card

    The Citi Prestige Credit Card is a premium lifestyle credit card offering air miles and reward points. Enjoy complimentary night stays at participating hotels, complimentary rounds of golf, complimentary priority pass access to airport lounges, fast track immigration at airports, and more.
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    Key Highlights of the Citi Prestige Credit Card

    • 10,000 welcome air miles upon applying.
    • Up to 2 reward points per Rs.100 spent.
    • Complimentary night stays at participating hotels.
    • Complimentary priority pass access to airport lounges.
    • Exclusive concierge service.

    Features and Benefits of the Citi Prestige Credit Card

    Welcome Gift and Annual Bonus

    Upon making the first transaction per membership year, you will receive:

    10,000 bonus air miles:

    • Air miles will be credited in the form of reward points.
    • 1 air mile = 4 reward points, hence you will receive 2,500 reward points.
    • Convert the points to miles at partner airlines under the frequent flyer program where 1 reward point = 4 air miles.

    Partners include:

    • Air India
    • InterMiles
    • British Airways
    • Singapore Airlines
    • Thai Airways
    • Malaysian Airlines
    • Cathay Pacific
    • Eva Air
    • Etihad Airways
    • Qantas
    • Virgin Atlantic
    • Qatar Airways
    • Flying Blue (KLM and Air France)
    • Turkish Airlines

    Rs.10,000 benefit from Taj Group or ITC Hotels:

    • Taj Group: Get gift card worth Rs.10,000. 1 reward point = 1 Taj InnerCircle point.
    • ITC Hotels: Get 4 gift vouchers worth Rs.2,500 each.

    Reward Points

    • International transactions: Get 2 reward points per Rs.100 spent.
    • Domestic transactions: Get 1 reward point per Rs.100 spent on domestic transactions.
    • Relationship bonus rewards: Based on your relationship with Citibank (Citigold, Citi Priority, Citi Private Client), get up to 50% bonus reward points every month.
    • Rewards redemption:
      • Redeem for gift vouchers, or gadgets from the Citi Prestige rewards catalogue.
      • Convert to air miles to frequent flyer partners at the rate of 1 point = 4 miles.
      • Instant redemption at partner merchants through SMS. Partner merchants include MakeMyTrip, Goibibo, BookMyShow, Shoppers Stop, and more.
      • Redeem for cashback against outstanding balance.

    Travel & Stay

    • Complimentary Priority Pass: Get free unlimited priority pass lounge access to over 800 airports, worldwide. This benefit applies to primary and supplementary credit cardholders.
    • Complimentary night stay: Stay a minimum of 4 nights at any hotel and get a complimentary 5th night stay. Offer available twice per calendar year.
    • Meet and Assist program: Get luxury airport transfers with 20% discount on retail rates. Enjoy fast track immigration at 450+ airports via yQ with 25% discount on retail rates.
    • Citi World Privileges: Get discounts and deals in India and overseas in 90 countries.

    Travel Insurance

    • Overseas medical insurance of US$50,000.
    • Air accident insurance of Rs.5 crore. Nominee or supplementary cardmember will receive the benefit.
    • Lost card protection of Rs.10 lakh in case of financial loss sustained through unauthorised transactions.
    • Loss of card: Call Citi Prestige Service Line for card replacement and emergency cash service.

    Lifestyle

    • Loyalty program membership: Get silver memberships with Taj InnerCircle and Taj Epicure Plus Plan.
    • Complimentary golf privileges: 4 free rounds of golf and golf lessons across 15 golf clubs in India. Additional golf rounds based on credit card spends.
    • Citi Prestige Concierge: Enjoy personal assistance for daily tasks as well as travel, entertainment, and more services from a personalised concierge team, locally and abroad.

    Other Benefits

    • Tap n Pay: This is a contactless credit card where you can pay for transactions below Rs.2,000 with a simple tap at a payment terminal. No swipe/PIN required.
    • EMI: Convert large purchases into EMI (equated monthly instalment) plans.
    • Loan against card: Get an instant loan against your credit limit.

    Citi Prestige Credit Card Credit Limit

    Several factors will be considered when determining your credit limit for this credit card. Your income, employment stability, age, credit score, and more. The final credit limit offered will be communicated to you by the bank at the time of processing your application.

    Citi Prestige Credit Card Fees & Charges

    Here are the fees and charges associated with this premium lifestyle credit card:

    Type of Charge Fee
    Joining fee Will be communicated at the time of sourcing
    Annual membership fee Rs.20,000 plus tax
    Late payment fee Outstanding balance up to Rs.1,000: Rs.0 Outstanding balance above Rs.1,000: Rs.100
    Cash advance fee 2% of the withdrawn amount (min. Rs.300)
    Foreign currency mark-up 3.5%
    Over-limit charge 2.5% of the amount exceeding credit limit (excluding fees/charges/taxes) or Rs.500, whichever is higher
    Cash deposit at bank branches Rs.100
    Cash deposits at Citi ATMs Rs.50
    Outstation cheque charges Cheque amount up to Rs.10,000: Rs.50 Cheque amount Rs.10,001-Rs.1 lakh: Rs.100 Cheque amount above Rs.1 lakh: Rs.150
    Replacement card in case of loss/damage No charge
    Statement request (beyond 3 months) No charge
    Fuel charge 1% of transacted amount (min. Rs.10); waived at selected Indian Oil Corporation outlets
    Railway tickets booking surcharge 1.8% of transacted amount

    Eligibility Criteria for Citi Prestige Credit Card

    The eligibility criteria to apply for this card is very straightforward:

    • Employment type: Salaried and self-employed individuals.
    • Minimum age: 21 years.
    • Minimum annual income: Rs.25 lakh.

    Documents Required to Apply for Citi Prestige Credit Card

    Salaried and self-employed applicants have to submit different sets of documents at the time of application processing:

    Salaried employees must submit:
    • PAN card
    • Salary slips for the last 3 months
    • ID and Address proof documents such as:
      • Passport issued by the Indian government
      • Driver’s license
      • Aadhaar card/number/E-Aadhaar
      • Voter’s ID
      • NREGA-issued Job Card signed by a State government officer

    Self-employed individuals must submit:

    • PAN card
    • Most recent ITR
    • Audited financials and income computation
    • ID and Address proof documents – same as listed above.

    If you qualify for this Citi Credit Card, you can conveniently apply for it online.

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    Credit Card Reviews

    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I'm very much happy about the CITI bank customer care service. The card reward value is good. The customer care executives are very much helpful and they didn't trouble me when i complaint about the fraud transaction. They investigated this issue and resolved my issue quickly and waived off the money. If i do transaction, it will get updated in two hours on their app. I'm using the Prestige card.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 22, 2019
    • Citibank
      Citibank Credit Card
      "Good Card to use"
      0.5 3.0/5 "Satisfactory"
      Having a Citibank presitge credit card. Every one has blocked this card at the time of demonetization. I use this card to buy electronic devices and for petrol purposes. The rate of interest is nominal with this card.Overall I am satisfied with this card.
      Was this review helpful? 1
      , ratlam
      Reviewed on Jun 03, 2017
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