Route spending through Additional bonus points for premium banking customers.
Earn Up to 30% bonus here — 30.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Super-premium · Travel & Lifestyle
CITIBANK · CITIBANK PRESTIGE CREDIT CARD
Citibank Prestige Credit Card
ANNUAL FEE
₹20,000
FIRST-YEAR NET VALUE
₹-12,800 for a mid spender · travel
CITIBANK Prestige
•••• •••• •••• 4256
VALID THRU 12 / 28
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Citibank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 750+ Excellent band preferred
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹-12,800 first-year net value · mid spender · travel
Category rewards ₹7,200
Annual fee − ₹20,000
Net first-year value ₹-12,800
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.40% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 30.0% back
Double points on all international spends · 0.8%
Additional bonus points for premium banking customers Up to 30% bonus · 30.0%
Everything else (base) · 0.4%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Citibank tweaks the program.
Don't sleep on Double points on all international spends.
The second tier earns 0.8× (0.8% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹20,000 · + 18% GST · one-time
Annual fee (year 2+) ₹20,000
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year via Priority Pass. Primary cardholder.
Dining + partner memberships
Taj Group Welcome Vouchers, ITC Hotels Welcome Vouchers.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Citibank Prestige Credit Card has changed.
Last verified 17 Sep 2026.
- 15 Jul 2024 Complete transition to Axis Bank - Citibank retail banking exit from India All Citibank credit cards including Prestige migrated to Axis Bank; Axis handbook maps Prestige to Axis Olympus
- 1 Mar 2023 Axis Bank acquisition of Citibank India consumer business announced Transition process began for all retail banking customers
- 2021-2022 Citibank announced exit from retail banking in 13 markets including India No new card applications accepted, existing customers to be transitioned
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: Citi Prestige legacy product page (Citi India), Legacy Citi Prestige offer terms and conditions PDF, Axis Bank customer handbook for migrated Citi customers, Citi-issued consolidated MITC PDF (retrieved via IKEA Family credit card mirror), citigroup.com. Next scheduled review: 17 Mar 2027.