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CITI Prestige Credit Card

Product Details
Credit Card Name : 

CITI Prestige Credit Card

Bank Name :

CITI Bank

Type :

Rewards Credit Card

Interest Rate : 

3.75% (45% annualized)

Eligibility :

You must be at least 21 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit score.
You must have a personal annual income of at least Rs. 25,00,000.

CITI Prestige Credit Card
Pros
  • Earn 5x ThankYou® Points on flights booked directly with airlines or on select car rentals booked through Citi.

  • Welcome Benefit: 2,500 bonus points and benefits worth Rs. 10,000 from ITC/Taj.

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

  • Get complimentary fraud insurance of INR 10,00,000 with your Citi Prestige credit card

  • Complimentary unlimited Priority Pass lounge access at over 1300 airports for primary as well as supplementary cardmembers.

Cons
  • High annual fee: The $550 annual fee can be a significant drawback for some applicants.

  • Credit score requirements: This card requires a good or excellent credit score for approval.

  • Foreign transaction fees: A 3% foreign transaction fee applies to purchases made outside the US.

  • Complex rewards program: Understanding the earning and redemption structure for ThankYou® Points can be confusing.

  • Benefits limitations: Some benefits, like the travel credit and airport transfers, have specific requirements and usage limitations.

Pros & Cons
Welcome Benefits

Customers get a welcome gift of 2,500 bonus points and benefits worth Rs. 10,000 from ITC/Taj

Rewards System
  • Earn a minimum of 1 reward point on every ₹ 100 spent: online and in-store.

  • 1 point = 1 INR

  • Effective Cashback Rate: 1%

International Forex Markup

3.4% of the transaction amount on all purchases made in a foreign currency, including cash advances.

Welcome Benefits and Reward System
Special Features

Complimentary unlimited Priority PassTM lounge access at over 1300 airports for primary as well as supplementary cardmembers. To view the list of airports, please visit www.prioritypass.com.

Eligibility Criteria

You must be at least 21 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit score.
You must have a personal annual income of at least Rs. 25,00,000.

Benefits
  • Never-expiring points: Enjoy the peace of mind of having your points never expire.
    Instant Pay with Points: Redeem your points instantly for a range of options like airfare, hotel stays, and merchandise.

  • Lifestyle:Taj Epicure Program Membership: Enjoy complimentary membership to the Taj Epicure program, offering exclusive benefits at Taj Hotels.

  • Lost card protection: Benefit from Rs 10,00,000 complimentary fraud insurance in case of fraudulent transactions within 96 hours prior and 48 hours post reporting of card loss or theft.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Visit the Citibank India website: Find the CITI Prestige Credit Card and click "Apply Now."

  2. Enter your basic information: Name, address, date of birth, contact details.

  3. Provide financial information: Income, employment, PAN number.

  4. Review and submit application: Carefully review all details before submitting.

  5. Document verification: Citibank may request document verification for income and address proof.

  6. Approval and card issuance: You'll receive a notification about your application status within a few days. If approved, your card will be mailed within a week.

Contact Details

+91-22-49181050 or Toll free 1-800-419-1050.

Account Opening and Procedure
CITI Prestige Credit Card

The CITI Prestige Credit Card is a premium card for seasoned travelers and lifestyle enthusiasts who appreciate luxury travel perks, high miles earning on key categories, and additional lifestyle benefits. However, the high annual fee requires careful consideration and ensuring you can maximize the card's potential to justify the cost.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining Fees: INR 20,000 + GST

  • Foreign Transaction Fee: 3.4% of the transaction amount on all purchases made in a foreign currency, including cash advances.

  • Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹300) when withdrawing cash using your card in India or abroad.

  • Late Payment Fee: ₹100 minimum or 5% of the outstanding balance (whichever is higher) for payment delays exceeding 5 days.

  • Interest charges: 3.75% (45% annualized).

Fuel Surcharge

The Citi Prestige Credit Card offers a 1% fuel surcharge reversal at authorized IndianOil outlets.

Billing Cycle

30 Days

Fees & Charges
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