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.
Lifetime-free · No-fee
CITIBANK · CITIBANK PRESTIGE CREDIT CARD
Citibank Prestige Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹7,200 for a mid spender · travel
CITIBANK
Updated 2026-02-24 3 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
₹7,200 first-year net value · mid spender · travel
Category rewards ₹7,200
Net first-year value ₹7,200
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.
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.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.