Citi Prestige Credit Card 2025 – Updated Quick Guide

Aditi, a 28-year-old marketing professional, earns ₹1,00,000 per month. She decided to get the Citi Prestige Credit Card to manage her expenses and earn rewards for her daily purchases. With this card, Aditi enjoys exclusive benefits like lounge access, travel rewards, and cashback on select categories. Here's how she managed her finances using the Citi Prestige card:

Aditi used the card for various expenses and maximised its benefits. She earned significant reward points on her travel and shopping, which she later redeemed for discounts and vouchers. Additionally, she managed her cash flow by paying off the card balance on time, avoiding interest charges.

The Citi Prestige Credit Card helped Aditi manage her finances and earn valuable rewards. Its extensive benefits, including airport lounge access and exclusive offers, made it a perfect choice for her.

Citi Prestige Credit Card: An overview

A credit card is a financial product that allows you to borrow money from a bank or financial institution to make purchases, pay bills, or cover expenses up to a set credit limit. It offers the flexibility to pay off the borrowed amount over time, usually within a billing cycle, with the option to pay in full or make a minimum payment.

If the balance isn’t cleared entirely, interest is charged on the outstanding amount. Many credit cards have added benefits like rewards points, cashback, or travel miles based on spending. However, credit cards may also have annual fees, late payment charges, and high interest rates, so managing them responsibly is important to avoid financial strain.

Key Highlights of Citi Prestige Credit Card

Citi Prestige Credit Card Benefits

1. Get deals and discounts locally and in over 90 other countries.
2. Enjoy maximum freedom on your Citi ThankYou Points redemptions.
3. Use your points to pay for any purchases.
4. Turn any big purchases into small payments.
5. Turn statements into small payments.
6. Instant cash to get things done right away.

Let's take Ravi's example, a 32-year-old entrepreneur, to see how he used his Citi Prestige  Credit Card’s benefits:

• Exclusive Discounts: During his business trip to Dubai, Ravi saved ₹14,000 on his hotel stay and enjoyed dining discounts.
  
  
• Reward Points: Every business purchase earned him ThankYou Points, which he later redeemed for a ₹37,000 gift card to cover some expenses.
  
  
• Pay with Points: When Ravi bought ₹96,000 worth of office equipment, he used his points to pay ₹37,000.
  
  
• Installment Flexibility: With a ₹1,20,000 laptop purchase, Ravi split the cost into smaller installments.
  
  
• Easy Payment Plan: When his monthly statement was high, he broke it down into smaller payments, controlling his finances.
  
  
• Instant Cash: When an office renovation was urgently needed, Ravi quickly accessed cash through his card’s instant cash feature, immediately completing the job.

Through these smart moves, Ravi maximised the benefits of his Citi Prestige Credit Card, saving money, earning rewards, and keeping his finances flexible.

Citi Prestige Credit Card Cashbacks and Rewards

Citi Prestige Digital Concierge: Effortless Luxury at Your Fingertips

With the new Citi Prestige Digital Concierge, you can access all your exclusive privileges effortlessly through your mobile phone. Whether booking a round of golf, reserving a resort with a complimentary night’s stay, or arranging a limousine transfer, everything is made easy with just a few taps.

• Seamless Digital Journey: Enjoy a smooth, user-friendly experience for all your concierge requests anytime, anywhere.
  
  
• 24/7 Availability with Self-Serve Function: Access your services round the clock, with the added convenience of self-serve options for quick bookings.
  
  
• Instant Booking Confirmation: Get immediate confirmation on your bookings, ensuring your plans are set immediately.
  
  
• Live Chat Function: Chat live with the concierge for personalised assistance, making your experience even more tailored.

Citi Prestige Credit Card Fees & Charges

Citi Prestige Credit Card Pros & Cons

Pros:

1. Airport Lounge Access: Complimentary access to over 1,000 lounges worldwide.
2. Reward Points: Earn ThankYou Points for purchases, redeemable for travel, cashback, and more.
3. Concierge Service: 24/7 personalized assistance for travel and lifestyle needs.
4. Travel Insurance: Comprehensive coverage for trips, including cancellations and medical emergencies.

Cons:

1. High Annual Fee: The card comes with a significant annual charge.
2. High Spend Requirement: To maximise benefits, substantial spending is required.
3. Limited Domestic Benefits: Some benefits are more valuable internationally.
4. Eligibility Criteria: A high credit score and income are required to qualify.

Eligibility Criteria for Citi Prestige Credit Card

The eligibility criteria that need to be fulfilled to get approved for the Citi Prestige Credit Card are as mentioned below:

• Your age must be 21 years or above.
• Your annual income must be at least $412,000.
• You should have a decent credit score.

Documents Required for Citi Prestige Credit Card

Documents for Singaporean/Permanent Resident (PR) - Salaried Employee:

1. Identification Proof:
   • A copy of your NRIC (National Registration Identity Card) or passport.
     
     
2. Income Proof:
   • The latest original computerised payslip.
   • Alternatively, you may provide your Tax Notice of Assessment or the last 12 months' CPF (Central Provident Fund) statements.

Documents for Singaporean/Permanent Resident (PR) - Self-Employed:

1. Identification Proof:
   • A copy of your NRIC or passport.
     
     
2. Income Proof:
   • Last 2 years' Income Tax Notice of Assessment.
     
     
3. Bank Statements:
   • The bank statements for the last 3 months show your transactions.

Documents for Foreigners:

1. Identification Proof:
   • A copy of your passport and work permit (with a minimum of 6 months' validity).
     
     
2. Proof of Address:
   • A copy of a utility bill, telephone bill, or bank statement that includes your name and address.
     
     
3. Income Proof:
   • Income Tax Notice of Assessment.
   • The latest original computerised payslip.

How to Apply for a Citi Prestige Credit Card Online?

Step 1: Go to the official website of CitiBank Singapore 

Step 2: In the navbar, you will see the “Cards” section. Hover on that and click on “View all Credit Cards.”

Step 3: You will be directed to a new page after clicking that. Scroll down; you will see different types of credit cards.

Step 4: You will see the “Apply now” button when you find the Citi Prestige Credit Card. Click on that.

Step 5: After clicking on that, you will be directed to a new page where you will be asked, "Are you an existing Citi Credit Card holder?” If yes, click the “Yes” button; otherwise, click “No.”

Step 6: After that, you must fill in some of your details and click the “Proceed” button.

Step 7: After processing your details, the bank will inform you about your credit card and how many days you will get it.

How to Apply for a Citi Prestige Credit Card Offline?

To apply for the Citi Prestige Credit Card offline, follow these steps:

1. Visit a Citi Bank Branch:
   • Go to a nearby Citi Bank branch. You can find the closest branch using the Citi Bank website or by calling their customer service.
     
     
2. Collect the Application Form:
   • Request the Citi Prestige Credit Card application form from the bank staff. Fill it out with your details accurately.
     
     
3. Submit Required Documents:
   • Along with the application form, submit the necessary documents for the card type you are applying for (for salaried or self-employed individuals, as discussed earlier). Some standard documents include identity proof, income proof, and address proof.
     
     
4. Review and Sign:
   • Review everything to ensure accuracy after filling out the form and submitting the documents. Sign the form as required.
     
     
5. Bank’s Verification:
   • Once your application is submitted, the bank will process your details, verify your information, and assess your eligibility based on your income, credit history, and other criteria.
     
     
6. Wait for Approval:
   • If approved, you will receive your Citi Prestige Credit Card by mail. The bank will notify you of your credit limit and other important details.

Conclusion

The Citi Prestige Credit Card is a premium offering designed for those who seek luxury, convenience, and exclusive benefits. With perks such as unlimited access to airport lounges, comprehensive travel insurance, a personalised concierge service, and generous reward points, it’s an excellent choice for frequent travellers and high spenders. 

However, the card has a high annual fee and requires substantial spending to unlock its benefits fully. Value premium services, rewards, and extensive travel perks, and you meet the eligibility criteria. The Citi Prestige Credit Card can be an excellent tool to enhance your lifestyle while managing your finances effectively.

FAQ’s Related to Citi Prestige Credit Card

1. What is the credit limit of Citi Prestige Credit Card?

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

2. What is the annual fee for the Citi Prestige Credit Card?

The annual fee for the Citi Prestige Credit Card is ₹20,000

3. How can I earn rewards with the Citi Prestige card?

You earn reward points on all purchases, with higher points for travel, dining, and international spending.

4. What benefits does the Citi Prestige card offer?

Benefits include airport lounge access, concierge service, travel insurance, and exclusive discounts globally.

5 . How do I redeem my Citi ThankYou Points?

Points can be redeemed for travel, merchandise, cashback, or gift cards through the Citi Rewards portal.

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