Citi Prestige Credit Card

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About Citibank Prestige Credit Cards?

**Disclaimer: Citibank Prestige Credit Card is not a Finserv MARKETS partner product. Offers would be from partner Banks/NBFCs only


If you’re an individual who wants only the best of the best features and benefits from your credit cards, then the Citi Prestige Credit Card may just be what you’re looking for. One of the many elite credit card offerings from Citibank, the Citi Prestige Card offers a host of benefits such as reward point accumulation on card spends, accident insurance, and complimentary access to multiple services. Wish to know more about this luxury credit card? Continue reading to find out all about it. 

Features and Benefits of the Citibank Prestige Credit Card

As you’ve already seen above, the Citibank Prestige card is for those individuals who like to live the high life. Want to know the benefits and features offered by this card? Let’s take a quick look at some of the most important ones.

1. Concierge Services

The Citi Prestige Credit Card benefits include access to the Citi Prestige Concierge service that allows you to accomplish your day to day tasks without having to step out of your home. 

2. Complimentary Privileges

The Prestige card from Citibank opens you up to a world of complimentary privileges like free unlimited worldwide lounge access, free 5th night stay at select hotels, luxury airport transfers at 20 to 25% discounts, and four free rounds of golf at select golf courses in India.

3. Travel Insurance

The Citibank Prestige Credit Card automatically qualifies you for travel insurance. You get benefits such as overseas medical insurance to the tune of $50,000, air accident insurance up to Rs. 5 crores, and lost card protection up to Rs. 10 lakhs.

4. Membership to the Taj InnerCircle

Another one of the many Citibank Prestige card benefits include silver memberships to the Taj InnerCircle and the Taj Epicure Plus Plans.

5. Welcome Benefits

When you get a Citi Prestige credit card, you instantly become eligible for a host of welcome benefits. This includes 2,500 bonus reward points and a voucher from the Taj Group or ITC hotels worth ₹10,000. 

6. Exciting Rewards 

For every transaction that you make on your Citibank Prestige credit card, you stand to receive reward points at the rate of 1 point per ₹100 spent domestically and 2 points per ₹100 spent internationally. The reward points that you accumulate on your card can be redeemed at a later point in time for gifts, discount coupons, and more. 

7. Card Protection Plan 

You get protected from unauthorised and fraudulent transactions made on your card to the tune of ₹10 lakhs. This protection is available starting from 96 hours prior to the time of reporting the loss of card and extends to 48 hours after the loss of the card. 

Fees and Charges of the Citibank Prestige Credit Card

Now that you’ve seen what the Citi Prestige card benefits are, you also need to know about the various fees and charges applicable on the card. And to that effect, we’ve come up with a detailed table of the most important fees and charges that you need to be aware of.

Fees and Charges


Annual Fees

Rs. 20,000 plus taxes

Finance Charges

3.75% per month

Fees for Cash Deposits

Rs. 100

Fees for Cash Advances

2% of the amount withdrawn or Rs. 300, whichever is higher

Late Payment Fees

Rs. 100 for statement balances above Rs. 2,000

Fee for Cheque Dishonour or Returns

Rs. 350

Overlimit Fees

2.5% of the amount over the limit or Rs. 500, whichever is higher

Foreign Currency Transaction Fees

3.50% of the total transaction amount

Citi Prestige Credit Card Reward Points

The Citi Prestige reward points program is one of the most sophisticated in the country. For every transaction that you make, you not only get the ability to earn reward points, but can also earn air miles as well. Finding it hard to believe? Check it out for yourself.


  • You receive a welcome gift of 10,000 bonus air miles upon making your first ever transaction with the Citi Prestige card.

  • For every Rs. 100 spent on international transactions, you earn 2 reward points.

  • For every Rs. 100 spent on domestic transactions, you earn 1 reward point.

  • Depending on your relationship with Citibank, you will be eligible for up to 50% bonus reward points each month.

Citi Prestige Credit Card Reward Redemption 

Citibank offers an unmatched reward redemption scheme for the Citi Prestige credit card. Depending on the kind of reward that you’re claiming, the reward point redemption rate may vary. 


For instance, if you’re planning on redeeming your accumulated reward points against air miles, the redemption rate is 4 air miles for every 1 reward point. 


On the other hand, if you’re planning on redeeming your points against hotel stays and loyalty programs, the applicable redemption rate is 1 Taj InnerCircle point for every 1 reward point or 4 IHG points for every 1 reward point. 


And finally, you can also redeem your reward points against your credit card balance as well. In that case, the redemption rate would be ₹1 for every reward point redeemed by you. 

Eligibility Criteria for the Citibank Prestige Credit Card

Knowing the Citi Prestige Credit Card eligibility is crucial if you’re planning to apply for one in the near future. Here’s what you would have to satisfy to be able to apply for one.


  1. You must be at least 21 years of age or older.

  2. You must possess a minimum annual income of at least Rs. 25 lakhs.

  3. You must be either a salaried or a self-employed individual.

Documents Required to Apply for the Citibank Prestige Credit Card

If you find that you satisfy all of the Citi Prestige eligibility criteria, the next step is to get all the necessary documents in order to apply for the card. Check out the list of documents that you would need to submit down below.


  1. A copy of your PAN card.

  2. A copy of your proof of address - Aadhaar, Driving Licence, Passport, Voter ID

  3. A copy of your proof of income - last three salary slips or the latest Income Tax Return (ITR) along with computation of income.

How to Apply for the Citibank Prestige Credit Card

The Citi Prestige Credit Card is not available on the Finserv MARKETS website. However, you can still apply for the Citi Prestige card by simply visiting the website of Citibank and navigating to the credit card section. Here’s a quick look at the steps that you would have to follow to apply for the card. 


  • Step 1: Visit the official website of Citibank. 

  • Step 2: Make your way over to the section titled ‘Credit Cards’.

  • Step 3: Click on ‘Apply for a Credit Card’. 

  • Step 4: Click on the Citibank Prestige credit card. 

  • Step 5: Fill and submit the online credit card application form. 

That’s it! Once you’ve submitted the application form, the bank will verify the same and issue the card to the registered mailing address specified by you. 

Alternatively, if you prefer applying for this Citibank credit card through the offline mode, you’d be glad to know that you can do that as well. All that you would have to do is visit the nearest Citibank branch, fill the Citi Prestige application, attach all the necessary documents, and submit the same at the branch.

How to Reach the Citibank Prestige Credit Card Customer Care?

Have any questions or doubts regarding the Citi Prestige card requirements? You can get them all clarified by contacting the Citibank credit card customer care. The Citi Prestige service line is operational 24/7 and can be reached out by simply calling the following numbers - +91-22-49181050 or 1-800-419-1050.   

FAQs on Citi Prestige Card

  • ✔️What is the general review of the Citi Prestige Credit Card?

    Despite the Citi Prestige card annual fee being slightly on the higher side, the Citi Prestige Credit Card reviews are all quite positive. This is primarily due to the excellent rewards points program offered by the bank and the long list of benefits and features that the credit card offers.

  • ✔️How much is the Citi Prestige Credit Card annual fee?

    The Citibank Prestige card annual fee is just Rs. 20,000 plus taxes.

  • ✔️Does the Citi Prestige Card provide Lounge access?

    Yes. The Citi Prestige lounge access is part of the many benefits offered by the credit card. You get unlimited Priority Pass lounge access at more than 800 airports throughout the world. 

  • ✔️How could you use the bonus points from this card?

    The 2,500 bonus reward points that you receive when you pay the joining fee can be redeemed against your credit card statement balance. Alternatively, you can also choose to convert the reward points into air miles, Taj InnerCircle points, or even IHG points. 

  • ✔️What are the annual membership fees of Citi Prestige Credit Card?

    The annual renewal fee for the Citibank Prestige credit card is ₹20,000.

  • ✔️Does Citi Prestige Credit Card support contactless payments?

    Yes. The Citi Prestige card from Citibank comes with a built-in NFC chip for contactless payments. 

  • ✔️Can I make international transactions through my Citi Prestige Credit Card?

    Yes. You can use your card to make international transactions. Also, you get to accumulate 2 reward points for every ₹100 spent internationally. 

  • ✔️What is the limit of a Citi Prestige Credit Card?

    The credit limit for the Citi Prestige credit card tends to vary from one individual to another. Some of the factors that influence the credit card limit applicable to you include your income level, your credit score and your age, among others. 

  • ✔️How can I apply for a Citibank Prestige Credit Card?

    You can apply for a Citi Prestige credit card online by visiting the bank’s official website. Alternatively, you can also make a physical visit to any one of the bank’s branches to manually apply for the card.