Summary
The Citi Prestige Credit Card is a high-end travel and lifestyle card intended for high-net-worth individuals who desire luxury, convenience, and high-reward earnings. It provides several exclusive benefits such as generous reward points, luxury travel perks, and top-tier lifestyle privileges.
With this card, users will receive 5 reward points for each ₹100 of air travel and hotels, 3 reward points for each ₹100 spent on dining and entertainment, and 1 point per ₹100 spent on everything else. Besides these, a welcome bonus of 10,000 reward points gives more value to the customers at the start of the service period.
Unlimited access to the airports in case one is a travel enthusiast through Citi Prestige; traveling can become easy on this planet earth. A salient feature here is that they have the benefit of a “4th Night Free” o hotel benefit in which a fourth night for a hotel stay will come free with hotel booking via Citi concierge.
Introduction
The Prestige Credit Card is a premium credit card provided by Citi Bank. The Citi Prestige Credit Card is meant for individuals who love their life in high style and are willing to enjoy all the value from their expenditure. With the Citi Prestige Credit Card, customers have numerous great benefits such as travel insurance, access to airport lounges, and reward points redeemable for future purchases.
One of the prominent features of Citi Prestige Credit Card is its rewards. Credit Card lets customers earn reward points on every single spend, redeemable for travel, hotel stays, and many more. Along with this, the Prestige Credit Card also offers perks such as free airport lounge access, exclusive hotel stay discounts, and cashback on several online and offline transactions.
Apart from these, another advantage of the Prestige Credit Card is that it also provides different types of travel insurance coverage to customers while they are traveling. This gives a further degree of security while traveling, which may help in dealing with any emergency.
Today in this article, we are going to know everything about the Prestige Credit Card. In that, we are going to talk in detail about the benefits associated with it. We will discuss in detail, fees associated with Credit Card. In the later part of the article, we will try to tell how you can apply for a credit card. Read the article up to the last to avoid trouble afterward.
What is the Citi Prestige Credit Card?
Credit Card is a Citibank premium credit card. Prestige Credit Card is designed specifically for someone who wants to enjoy a better and more luxurious lifestyle. By availing of this card, customers can benefit from several advantages, such as travel insurance, airport lounge access, and reward points. Reward points are received on every single spent, which customers can redeem against travel, hotel bookings, or any other purchase.
Besides these, cardholders get other special discounts and cashback offers for extra benefits while shopping. Customers also receive travel insurance to enjoy the journey while being safe and sound. To avail of the Citi Prestige Credit Card, one needs to have a high income level and a good credit score. However, with these aspects, the Citi Prestige Credit Card is a really good option for people who seek premium facilities and services.
How is the Citi Prestige Credit Card designed?
The Credit Card is built as a high-end travel and lifestyle credit card for high-net-worth individuals. It has exclusive benefits like airport lounge access, complimentary hotel nights, and luxury travel perks. The card has a sleek and elegant design, reflecting its premium status.
It is usually made of metal, giving it a sophisticated and very durable feel. The Citi Prestige Card also offers reward points on every spend that can be redeemed for travel, shopping, or cashback. Therefore, it has more concierge services, golf privileges, and overall insurance travel, and thus it is suitable for serious frequent travelers and luxury lovers.
What are the benefits of the Citi Prestige Credit Card?
Here are the key benefits of real reward points:
1. Lucrative Reward Points
- For every ₹100 spent on air travel and hotels, earn 5 reward points.
- For every ₹100 spent on dining and entertainment, earn 3 reward points.
- For every ₹100 spent on other purchases, earn 1 reward point.
2. Luxury Travel Benefits
- Access to unlimited airport lounges by both primary and supplementary cardholders.
- Free 4th night at hotels booked through Citi concierge
3. Welcome Bonus
- 10,000 Welcome Bonus Points awarded on card activation
4. Golf & Dining Benefits
- Golf rounds are free at thousands of courses all over the globe.
- Dine at top-tier restaurants at great discounts.
5. Travel Insurance Coverage
- You get coverage on delayed flights, lost luggage, and medical emergencies.
6. Concierge Services
- You get dedicated assistance for reservations at travel locations, restaurants,t,s, and events 24/7.
What are the fees for the Citi Prestige Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | ₹19,999 + GST (one-time fee when you get the card). |
| Annual Fee | ₹19,999 = GST per year. This will be waived if you spend 15,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Citi Prestige Credit Card?
The following are the primary requirements:
- To apply for the Prestige Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 30 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Citi Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Citi Prestige Credit Card?
The documents that you will have to submit to Get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address |
| Income Proof | Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address |
| Photograph | The latest passport-sized photograph |
Where can the Citi Prestige Credit Card be used?
Here is the list of places where you can use it:
- With the Prestige Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Prestige Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Prestige Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Citi Prestige Credit Card?
The credit amount you can spend is what you are provided with a Prestige Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Citi Prestige Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Citi Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Citi Bank; for instance, you can choose the Citi Prestige Credit Card.
- Just hover your cursor on the Citi Prestige Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Citi Bank branch to apply for the Prestige Credit Card.
- Request for the credit card application form for the Prestige Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Prestige Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Citi Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Citi Prestige Credit Card in 2025 be right?
Yes, getting a Citi Prestige Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Citi Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Credit Card is a luxury credit card designed for those people who want to enhance their lifestyle. Prestige Credit Card offers you many benefits and perks such as free airport lounge access, travel insurance, and reward points for your purchases. With such incentives, cardholders are given special offers and cashback that would save more from their pockets.
It is a card that can make travel and shopping all the more enjoyable. When you are a regular traveler or just wish to get the best out of your purchases, it may well be the right card for the Citi Prestige Credit Card. Its rewards program and other perks provide you with a unique experience, allowing you to make the most of every expense.
However, there are certain criteria to get a Prestige Credit Card, like high income and good credit score, but if you fulfill these conditions, then the Citi Prestige Credit Card will prove beneficial for you.
Frequently Asked Questions (FAQ’s)
Ans: You get reward points on each spend done with the help of Prestige Credit Card. You can collect reward points in various segments, such as travel, dining, shopping, etc.
Ans: Yes, you can redeem your reward points for various benefits, such as cashback, booking travel, or other purchases.
Ans: Yes, but the card does have international acceptance. This one is very versatile and will always work well at foreign currency counters, but bear in mind the additional charges there.
Ans: If your Citi Prestige credit card is lost or stolen, you should contact Citi Bank customer care immediately. They will help you block your card and issue a new one.
Ans: Yes, Citi Prestige credit cards can be used for online shopping. Citi Prestige credit card is also suitable for secure online transactions.
