Citi Prestige Credit Card Review

Citi bank has brought a new credit card named Citi Prestige Credit Card to match the premium lifestyle of its customers. This card comes with a number of benefits including – Annual welcome benefit, Reward program, Lounge access, Big deals on hotel booking, lost card liability, Insurance coverage, EMI facility, and lots more. Go through the complete article to know more about the card.

Eligibility Criteria:

  • Resident Type: Indian.
  • For salaried person:
    • Age: 21 – 60 yrs
    • Income: ₹25 lakh annually.
  • For self-employed person:
    • Age: 21 – 60 yrs
    • Income: ₹25 lakh annually.
  • Both salaried and self-employed applicant needs to have a good credit score (750 or more).

Required Documents:

  • 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
    • Self-employed person
      • Income tax return of the last year and audited financials.
      • Proof of business


  • Joining Fee: Citibank will let you know the joining fee at the time of application.
  • Annual Fee: ₹20,000 + GST


  • Annual welcome benefit:

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

  • Reward Benefit:

Citibank offers big reward benefits for its customers, the reward scheme of the Citi Prestige Credit Card is described below:

You will get 1 reward point for each ₹100 to spend in India, and you will get 2 reward points for each ₹100 to spend outside India.

These reward points never expire so you can redeem them whenever you want. There is multiple 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,

If you have a Citi credit card net banking facility, you can check your earned reward points there. Also, you can redeem your points using Citi bank credit card mobile app

  • Lounge access:

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

  • Hotel booking:

You will get the 4th night of your stay completely free. This offer is applicable to some selected partner hotels.

This Citi bank credit card offers a free subscription to the Taj InnerCircle Epicure program. You will get exclusive benefits and discounts on hotel bookings.

  • Dining:

You will get a 20% discount on your dining bills, this offer is applicable at some selected partner’s restaurants.

  • Golf benefit:

You can enjoy golf with 4 free rounds at some selected golf courses in India.

  • Insurance coverage:

With this card, you will get an overseas medical emergency coverage of USD 50,000. This offer is applicable if the cardholder is hospitalized at least for 24 hours.

  • Lost Card liability:

With your Citi Prestige Credit card, you will get up to ₹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 Citi bank credit card pin to make the transaction, the insurance coverage will not be applicable anymore.

  • Concierge service:

You will also get a personalized concierge team to assist you with travel bookings, entertainment, and lots more. This service is also available outside of India.

  • Easy Payment option:

You can now pay with just a wave, you don’t need to provide any PIN or swipe your card. you can pay a maximum of ₹2,000 with this feature.

  • Loan Against card:

With your Citi 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 Citi bank credit card statement

  • EMV Chip Card:

This card comes with a build-in EMV chip, it is specially designed for convenience and security. It is much secure than the previous magnetic stripe.


  • Cash Withdrawal Charge: 2% against the amount.
  • Finance Charge:50% monthly.

Contact Details:

Citi bank credit card customer care:



Citibank credit card email id:

[email protected]

Dispute Resolution Process:

In case of any fraud or unauthorized charges you should follow the steps given below:

  1. Call the Citi bank credit card helpline and ask them to block your card.
  2. Tell them about the fraud and follow their instruction.
  3. If you are not satisfied with the service, you can contact the head of customer care. You can mail him/her your problem here: [email protected]
  4. If you are still not satisfied you can contact the nodal officer, the contact details are given below:

Call: 1800-266-2400


Mail id: [email protected]

100xGain Ratings:


Final Opinion:

Citi Prestige Credit Card is a Specially designed credit card for lifestyle-related benefits, this card offers unlimited lounge access, golf privilege, concierge service, hotel booking, dining benefit, and lots more. But the annual fee of the card is very high, and the benefits provided by the card cannot justify that.

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