Citi Prestige Credit Card Review

Citi Prestige Credit Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution


Citi Prestige Credit Card is one of the premium credit cards offered by Citibank, that provides loads of exclusive features and benefits. From the free lounge access to complimentary golf rounds, this card has everything that you can expect from a premium credit card.


Citi Prestige Credit Card is the flagship card offered by Citi Bank in the Indian market. This card offers premium features and benefits such as airport lounge access to free golf rounds. This card has everything to make your lifestyle more premium.

As a customer, you will never be at a loss for redemption offers as the card provides a vast array of redemption partners and loyalty programs. We will discuss its features & benefits below :

Citi Prestige Credit Card

Citi Prestige Credit Card


  • Welcome Benefits: 2,500 Reward Points shall be credited to the card account within 60 days from the first transaction in case of a new member or within 60 days from the membership renewal date in case of a renewed card.
  • Complimentary Night Stay: Complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort.
  • Privileged Golf Experiences: Complimentary golf rounds and golf lessons services at select golf courses in India.
  • Priority Pass Benefits: Complimentary unlimited Priority Pass lounge access for both primary and add-on card members.
  • Earn Points that Never Expire: Redeem now or keep collecting – your points never expire.

Fees & charges of Citi Prestige Credit Card

DescriptionFees & Charges
Annual FeeINR 20,000 + GST
Late Payment ChargesNIL for statement balance up to INR 2,000
INR 100 for statement balance above INR 2,000
Foreign Currency Mark up Charges3.5%
Reissue of Lost, Stolen or Damaged cardNIL
Cash Advance Fee2%, Minimum Amount - INR 300
Fuel Transaction Charge1%
Overlimit Charge2.5%
Finance Charge3.75% per month (45% per year)

Eligibility Criteria of Citi Prestige Credit Card

  • You should be an Indian citizen.
  • Your age should be 21 years or more.
  • Your Minimum Annual Income should be INR 25,00,000.
  • You should have an excellent credit score of 750 or more.
  • You can either be a salaried or self-employed person.

Benefits of Citi Prestige Credit Card

This card is loaded with premium features/benefits. Let’s take a look:

Unlimited Airport Lounge Access

With this Citi bank credit card, you will get unlimited access to more than 1300+ Airport Lounges across the world under the Priority Pass program. This benefit will be availed by both the primary and add-on members.

Exciting stay at Premium Hotels

You will get a four-night stay completely free in the selected partner hotels. Also, the card offers a free subscription to the Taj Inner Circle Epicure program. Not only that, you can enjoy exclusive benefits and discounts on hotel bookings too.

Enjoy the Travel Convenience

Citi Prestige Card helps you to enjoy fast-track immigration at over 450 international airports with yQ (meet & assist) services with 25% off on retail rates. Also, you get luxury Airport Transfer Service with 20% off retail rates.

Golf & Concierge Services

The card offers premium golf services to the customer. You get 4 free rounds of golf and golf lessons across 15 golf clubs in India. You will become eligible for additional golf rounds based on your credit card spending. The service is valid for primary & supplementary card members. It has to be noted that the bookings must be made at least 4 working days in advance.

Reward Points Benefits

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-

  • For Domestic Spends: Earn 1 reward point on all Domestic Spends for every Rs.100 spent.
  • For International Spends: Earn 2 reward points on International Spends for every Rs.100 spent.
  • Monthly Bonus: Earn up to 50% bonus points up and above your regular earnings.

Also, you can redeem these reward points for Air Miles as well.

1 Reward point= 4 Frequent Flyer Air miles

Some of the top airlines where you can use your Air Miles are listed down:

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

There is more to the Reward Points Redemption. You can convert them to partner luxury hotel chain points and make your stay more eventful.

  • 1 Reward Point: 1 Taj InnerCircle Point
  • 1 Reward Point: 4 IHG Point

Premium Insurance Services

Being a customer of the Citi Prestige Card earns you a premium insurance cover. The amount covered is unheard of in the credit card industry in India.

  • Air Accident Cover of INR 5 Crores.
  • Overseas Medical Insurance Cover of USD 50,000.

Drawbacks of Citi Prestige Credit Card

Citi Prestige Credit Card


  • No Annual / Joining Fee reversal facility.
  • Annual fee is high when compared to other premium credit cards.
  • No exclusive discounts on shopping, entertainment, and movies.
  • No reward points on fuel transactions and no convenience fee waiver either.

Final Words

Citi Prestige Credit Card is the preferred card for you if you like to earn excellent rewards on all your purchases and at the same time get exclusive travel and lifestyle benefits. This card has some great advantages and privileges. However, you may feel the pinch in your pocket due to its annual fee.

Please read the other posts:


What is the Joining Fee of Citi Prestige Credit Card?

Rs 20,000 + GST

Does Citi Prestige Credit Card have Airport Lounge Access?

It has unlimited lounge access under Priority Pass Program for more than 1300+ airports across the globe. This feature is applicable for both – primary & add-on cardholders.

What are the income criteria to avail of a Citi Prestige Credit Card?

Minimum Income should be Rs 25,00,000.

Can the Annual Fee be reversed if annual spending reaches a specific limit?

There is no such facility available.

How can you redeem Reward Points earned through Citi Prestige Credit Card?

They can be redeemed by converting them to – a) Frequent Flyer Air Miles and b) Partner Hotel points.

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