Citi Prestige Credit Card

Card Details

• Get 10,000 bonus air miles and vouchers/card worth Rs 10,000 from Taj Group or ITC Hotels, valid on the first transaction in the membership year for primary cardmember only.
• One night complimentary stay (room only), on minimum booking of 4 nights, at exquisite properties across the world. The offer is valid for primary cardholders only.
• Unlimited complimentary Priority Pass lounge access at over 800 airports for primary and supplementary card members. A usage fee of US$27 per visit will be applicable.
• Enjoy elevated status on the loyalty programs of our global partners – British Airways & Taj Group. Get a British Airways Executive Club upgrade and 5000 bonus miles on the completion of your first British Airways flight and Taj Epicure Plus Plan and InnerCircle Silver membership.
• Two annual complimentary luxury one-way airport services and meet & assist services at over 30 international airports within the Asia Pacific region, shared across primary and supplementary cardmember(s).
• Get access to some of the most picturesque golf destinations, with 3 complimentary green fees at select courses globally. The offer is valid for the primary cardholders.
• 4 complimentary golf rounds & golf lessons every year at 15 leading golf clubs in India. Additional rounds are the basis spends on your Citi Prestige credit card.
• Explore the most beautiful 33 cities of the world with Luxe City Guides.
• Earn up to 30% Relationship Bonus points up and above your regular earn, basis spends on the card. Relationship bonus will be credited to only those cardmembers who are Citigold or Citigold Private Clients as of 31st December of every year.
• Transfer your rewards points to the Loyalty programs of leading airlines & hotels. 1 Citi Prestige reward point is equal to 4 Frequent Flyer Air miles on select airlines partners including Air India, Eva Air, British Airways, Jet Airways, Cathay Pacific, Malaysia Airlines, Delta Airlines, Singapore Airlines, Etihad Airways, Thai Airways, Virgin Atlantic, Flying Blue (Air France and KLM), Qantas Qatar Airways and hotels partners Taj InnerCircle, Hilton HHonors, IHG Rewards Club, and Club Carlson.
• Redeem your reward points instantly against air tickets, hotel stays, and car rentals with leading online travel partners, GoIbibo, Indigo, and Yatra.
• Get protected while traveling overseas with medical insurance of USD 50,000, valid for primary cardmember only.
• Get Air Accident Insurance of Rs 5 Cr.
• Get complimentary fraud insurance of Rs. 3 Lacs, within 96 hours prior and 48 hours post the reporting of loss or theft of the card, to Citibank.

Pros & Cons

Fee Details

• Annual Fee: Rs. 20,000
• Joining Fee: Rs. 20,000
• Add-on Card fee: Nil
• Interest Rate (initial rate at card issuance): 3.25% (monthly) or 39% (annual). The rate of interest varies between 3.10% p.m. (i.e. 37.20% p.a.) and 3.50% p.m. (i.e. 42.0% p.a.). This rate is dynamic and changes periodically based on parameters like repayment pattern, utilization, spending, etc. The maximum interest rate, in the event of default, is 3.5% p.m. or 42% p.a.
• Cash Advance fee: 2.0% on the advanced amount, subject to a minimum of Rs.300 and US$7.5 at International ATMs.
• Late Payment Charge: Rs. 100 per month
• Over-limit charge 2.5% of the amount over the credit limit, subject to a minimum of Rs.500
• Fuel Surcharge: 2.5% waived at Indian Oil outlets for transactions done on Citibank EDCs, subject to a minimum of Rs.10.
• Railway Ticket Booking or Cancellation Surcharge: 1.8% of the transaction value for regular transactions and 2.8% of the transaction value for 3 EMI transactions through online booking at irctc.co.in. And, 2.5% of transaction value on bookings through railway counters, subject to a minimum of Rs.25.
• Card Replacement fee: Nil
• Foreign Currency Transaction: Mark up of 3.5%, plus ST

Reward Programme

• Earn 2 Reward Points on every Rs. 100 spent internationally. Online transactions reflected in the credit card statement in foreign currency only will be eligible for the accelerated international reward earn rate.
• 1 Reward Point on every Rs. 100 spent in India.
• 1 Citi Prestige reward point is equal to 4 Frequent Flyer Air miles.

Reward Rate: Rs. 1 per Rs. 100 spend.

Intro Bonus:

• Get 2500 Reward Points worth 10,000 air miles on the partner airlines’ frequent flyer programs, applicable at the first transaction in every membership year for primary cardmember only. 1 reward point is equal to 4 air miles. Valid for cards issued in India

OR

• One Gift card of Rs. 10,000 on the first transaction at the participating Taj Hotels, Resorts, and Palaces

OR

• Gift voucher of Rs. 10,000 on the first transaction from ITC Hotels.

Bonus Offer

• One night complimentary stay (room only), on minimum booking of 4 nights, at exquisite properties across the world. The offer is valid for primary cardholders only.
• Unlimited complimentary Priority Pass lounge access at over 800 airports for primary and supplementary card members. A usage fee of US$27 per visit will be applicable.
• Two annual complimentary luxury one-way airport services and meet & assist services at over 30 international airports within the Asia Pacific region, shared across primary and supplementary cardmember(s).
• Three complimentary green fees for primary cardmembers at participating golf clubs per calendar year
• Complimentary Taj Epicure Plus Plan & InnerCircle Silver membership
• Complimentary Upgrade on the British Airways Executive Club membership and 5000 bonus miles on the British Airways Executive Club membership