Citi Prestige Credit Card Review

The citi prestige Credit Card is the most premium credit card offered by Citi Bank India. And like most other premium credit cards this prestige card is also stuffed with premium benefits. From free golf rounds to airport lounge access, this card has everything to make your lifestyle more premium. This card is powered by Visa and it charges Rs. 20,000 per year. More about the benefits of citibank credit card are discussed below. 

What are the city bank credit card eligibility criteria?

  • Resident Type: Indian.
  • Citibank credit card eligibility for salaried person:
    • Age: 21 – 60 yrs
    • Income: Rs. 25 lakh annually.
  • Citibank credit card eligibility for self-employed person:
    • Age: 21 – 60 yrs
    • Income: Rs. 25 lakh annually.
  • Both salaried and self-employed applicants need to have a good credit score (750 or more) to apply for this citi prestige credit card.
  • A good relationship with the bank will help you to get this citibank prestige card more easily.

If you can fulfill the citi prestige credit card eligibility criteria then you can apply for this citibank prestige credit card from the online application portal, once your application is submitted successfully, you can track the citi bank credit card application status from the citi prestige credit card application tracking page. 

What documents are required to apply for the citi prestige credit card?

  • Photocopy of PAN.
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Membership number of Shoppers Stop Loyalty Programme.
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year and audited financials.
      • The proof of business is needed to apply for this citi prestige credit card.

As per the new credit card rules, all new city bank credit cards are delivered in an inactive state, and to start using the cards, the user needs to activate the cards manually by generating a credit card PIN. You can also get some help on the citi bank credit card pin generation process from the 100xGain faq page

What are the citibank credit card fees?

  • Citi bank credit card joining fee: Citibank will let you know the joining fee at the time of application.
  • Citi prestige credit card annual fee: Rs. 20,000 + GST

What are the citibank credit card benefits?

  • Attractive anniversary gift:

With this card, you will get 10,000 air miles and Rs. 10,000 vouchers from ITC hotels or Taj Groups. You will get the Citi prestige gift voucher every year with the first transaction made with this card. the transaction should be done within the first 60 days of a year.

  • Make every transaction rewarding:

This citibank credit card offers big reward benefits for its customers, the details of the citi credit card rewards scheme are described below:

Category of transaction

Rate of earning reward points

For every transaction made within India  1 reward point for each Rs.100 transaction
For every international transaction  2 citi bank credit card rewards for each Rs.100 transaction

These citibank credit card reward points never expire so you can redeem them whenever you want. There are multiple citibank credit card reward points redemption options available for you. You can redeem them against air miles, 1 reward point = 4 air miles, also you can use them for shopping or ticket booking, or to get a product from the citibank credit card points redemption catalog. You can check the status of your earned rewards from the citibank online banking account.

  • Free access to airport lounges to make your travel more comfortable:

With this citi bank credit card, you will get unlimited access to more than 800 airport lounges worldwide under the citibank priority pass program, both primary and add members will get this benefit.

  • Enjoy your stay at some of the premium hotels with attractive deals:

You will get the 4th night of your stay completely free. This citibank card offer is applicable to some selected partner hotels. Also, this citibank card offers a free subscription to the Taj InnerCircle Epicure program. You will get exclusive benefits and discounts on hotel bookings.

  • Get a premium dining experience with exclusive discounts:

This citibank credit card offers a 20% discount on your dining bills, this citibank credit card offer is applicable at some selected partner’s restaurants.

  • Free golf rounds that will make your weekends special:

You can enjoy golf with 4 free rounds at some selected golf courses in India. You can call the citibank credit card customer care no (1860-210-2484 or 022-4955-2484) to book your free golf round. 

  • Complimentary insurance coverage protection to support you in emergencies:

With this citibank bank credit card, you will get an overseas medical emergency coverage of USD 50,000. This offer is applicable if the cardholder is hospitalized for at least 24 hours. You can call the citi prestige credit card customer service number to claim the benefits of the coverage.

  • A complimentary lost card liability coverage to stand for you in emergencies:

With your citi prestige credit card , you will get up to Rs. 10,00,000, to avail of this facility you have to report within 2 days of the lost card. But if a scammer uses your credit card pin to make the transaction, the insurance coverage will not be applicable anymore.

  • A multilingual concierge service to assist you:

This citi bank credit card offers a personalized concierge team to assist you with travel bookings, entertainment, and lots more. This Citi credit card feature is also available outside of India.

  • Advanced contactless payment option:

This citi prestige credit card features an advanced contactless payment facility that allows you to make payment just by placing your card over any POS machine that accepts contactless payments. You can pay a maximum of Rs. 2,000 with this feature. You can control the contactless payment option from your citibank credit card online banking account.

  • Get an instant loan against your credit limit:

With your citi bank prestige credit card, you can convert your available credit limit into an instant loan. you can also pay back the amount in easy monthly EMIs, the EMIs will be reflected on your citibank credit card statement.

  • Convenient citi credit card payment options:

You can pay citibank credit card bills online using your net banking account or by using any credit card payment app. But if you don’t have access to the above-stated citi bank credit card bill payment options, you can pay your credit card bill via NEFT, cheque, or from your nearby ATM. 

  • Security of the advanced EMV chip:

This citi credit card comes with a build-in EMV chip, it is specially designed for convenience and security. It makes your citibank prestige card much more secure than before.

What are the citi prestige credit card charges?


Payable amount

Citibank credit card cash withdrawal charge 2% against the amount (applicable once per withdrawal)
Citi prestige card finance charge 3.75% monthly or 45% annually. (applicable if the citibank credit card payment is not made within the due date)
Citibank international credit card transaction charge 3.5% against the transaction amount (applicable once per withdrawal)
Citi bank prestige credit card add-on card fee None (for up to 5 cards)

How to contact the citi bank credit card customer care department?

  • Call the citi credit card customer care no: 1860-210-2484 or 022-4955-2484
  • Write to the citibank credit card customer care email id: 

100xGain Ratings:


Pros and cons:



  • This citibank prestige credit card offers complimentary insurance coverage protection.
  • Free access to airport lounge access
  • This citi credit card offers attractive deals on hotel booking
  • The annual fee of this citi prestige® credit card is quite higher.
  • The rate of earning reward points is not that good

Final Opinion:

After analyzing the citi prestige credit card benefits I can say that it is one of the premium credit cards offered by Citibank, that offers loads of exclusive features and benefits. From the free lounge access to complimentary golf rounds, this card has everything that you can expect from a premium credit card . But the major drawback of this card is the massive annual fee, which is Rs. 20,000 per year, at this price point, you can get a more premium credit card than this. So I would suggest you take a look at the 100xGain top 10 premium credit cards page. You can also compare the alternative card options given below.

Alternative cards of the citibank prestige credit card: 

  1. Axis bank reserve credit card (Best for reward points and lounge access benefits)
  2. Axis Bank Miles and More Credit Card (Best for dining and lounge access benefits)
  3. ICICI Bank Visa Signature Credit Card (Best for dining and lounge access benefits)
  4. Standard chartered digismart credit card (Best for cashback and travel benefits)

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