Citibank Prestige Credit Card

Citibank Prestige Credit Card is a premium credit card that offers exceptional benefits, such as airport services, reward points, discounted stays, free golf lessons, complimentary lounge access and much more. Here are some of the major Citi Prestige Card benefits:

Annual/ Welcome Benefits

With this card, you can earn bonus reward points as well as vouchers for top hotels. Details regarding the same are as follows:

• Welcome gift of 2,500 reward points (equal to 10,000 air miles) within 60 days from the first transaction in a membership year
• Vouchers worth Rs. 10,000 from Taj Group or ITC Hotels on making the first transaction every year

Up to 2X Reward Points 

You can earn up to 2X reward points on your overseas transactions and later redeem them against cash, Air Miles and Taj Inner Circle point. Here are all the details:

• 1 reward point per Rs. 100 spent domestically (online & in-store)
• 2 reward points per Rs. 100 spent internationally
• 1 reward point = 4 Air Miles/ 1 Taj Inner Circle point

Suggested read: Top Reward Points Credit Cards in India

Other Benefits

Apart from reward points and welcome benefits, you can also avail complimentary lounge access, offer on hotel stays, free golf lessons and much more. Some of the other Citi Prestige Credit Card benefits are mentioned below:

Lounge Access: Free unlimited lounge access to Priority Pass lounges for primary & add-on cardholders.

Airport Meet & Assist Service: Dedicated escorts that guide you through all aspects the of arrival, connecting or departure process.

Complimentary Stay: 1 complimentary night (room only) on a minimum stay of 4 nights at any hotel across the world.

Taj InnerCircle Epicure Plan: Free membership to Taj InnerCircle Epicure Plan on registering through Citi Prestige Concierge.

Golf Benefits: 4 complimentary golf rounds & golf lessons every year at over 15 leading golf clubs in India.

Exclusive Events: Access to events like touring wine country or to exclusive shows of the year.

Concierge Service: 24×7 concierge services to make travel-related bookings, gift deliveries and more.

Insurance Coverage: Avail insurance coverage as per the below details:

• Overseas medical insurance of up to USD 50,000
• Air accident insurance of up to Rs. 5 crore
• Fraud protection worth Rs. 10 lakh

Click here to view the detailed terms and conditions.

Also look for: 10 Best Credit Cards in India

*The above offer is valid till September 30, 2022. Click here to view the detailed terms and conditions.

The fees and charges applicable to Citi Prestige Credit Card are mentioned in the table below:

To view detailed terms and conditions, click here.

Suggested read: Credit Card Fees and Charges You Must Be Aware Of

To be eligible for Citibank Prestige Credit Card you must have a good credit score (preferably over 750) and meet the following eligibility criteria:

Citi Prestige Credit Card provides decent benefits on travel and lifestyle categories. However, this is a premium level credit card that comes with a high annual fees. You can apply for this credit card if:

• You are a frequent flyer and looking for a travel credit card
• You are ready to pay a high annual fee
• You prefer earning reward points over cashback
• You are a loyal customer of Taj and ITC Hotels

If you are looking for other credit cards that offer benefits similar to this one, then you can refer to the cards mentioned in the table below:

Q. How can I apply for Citi Prestige Credit Card?

A. You can apply online as well as offline for Citibank Prestige Credit Card. The bank allows you to fill out an application form through its official website. You need to submit the duly filled application form and attach relevant documents to apply for this credit card. Additionally, you can also apply offline by visiting any of the nearest branches of Citibank.

Q. How can I claim the lost card protection facility on my Citi Prestige Credit Card?

A. The claim procedure for the lost card protection facility involves the submission of all necessary documents like dispute form, police compliant, FIR copy, passport copy, etc., with the bank within 30 days of the disputed transaction. You can inform the bank regarding the loss as soon as possible to avail this facility.

Q. Does Citi Prestige Credit Card support contactless payments?

A. Yes, you can make contactless payments via Citibank Prestige Credit Card through its ‘Tap n Pay’ feature. However, you can use this feature only for your transactions of up to Rs. 5,000. Under this feature, you don’t need to enter the PIN to process any transaction. However, to avail this service you need to enable the ‘Tap n Pay’ feature on your credit card.

Q. Does Citi Prestige Credit Card charge a cash advance fee?

A. Yes, Citibank Prestige Credit Card comes with a cash advance fee of 2% of the withdrawn amount or a minimum of Rs. 300. Therefore, it is advisable not to withdraw cash using a credit card as it incur high charges and can also impact your credit score negatively.

Q. Can I make international transactions through my Citi Prestige Credit Card?

A. Yes, you can make international transactions through this credit card. However, the bank will charge a forex markup fee of 3.5% of the transacted amount for using your credit card internationally. Hence, it is better to look for low forex markup fee credit cards if you want to make foreign currency transactions.

Q. Can I convert my big-ticket purchases into EMIs via Citi Prestige Credit Card?

A. Yes, you can convert your purchases into EMIs at the time of purchase or post-purchase. To convert your purchases into EMIs at the time of the transaction, you can check whether the merchant provides a Citibank Credit Card EMI facility or not. If you want to avail this service post-purchase, then you can contact the Citibank Credit Card customer care number and ask the representative regarding the process.