Citibank Citi Prestige Credit Card

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Established in the year 1967, Citibank UAE commenced its operations from the Dubai branch and later expanded across the UAE with over four branches, 3 Citigold lounges, 1 smart centre and a network of 39 ATMs. With over 200 years of banking experience, the bank has established itself as one of the strongest players in worldwide banking. Proving its reliability, the bank has gathered a robust customer base in the UAE and around the world. Citibank UAE offers a range of banking products and services, including personal, business, corporate and investment banking. The bank is a major provider of loan and credit card services. Among the credit cards, Citibank prestige credit card is popular for its reward program.    

Citi Prestige Credit Card welcomes the cardholders to a world of exclusivity. It gives exclusive access, various travel rewards and privileges to the cardholders. Citi Prestige’s privileges and benefits are applicable all across the globe. It ensures that the cardholder experiences nothing but the extraordinary wherever they go. After all, everyone deserves an extraordinary life full of extraordinary experiences.

Citibank Citi Prestige Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Golf Benefits

Features of Citi Prestige Credit Card

With a range of benefits, the Citibank Prestige credit card offers attractive features that let you manage your credit card expenses. Additionally, the card provides a secure transaction and fraud protection facility. The following are the key features of the Citibank Prestige credit card in the UAE. 

  • Citi ThankYou Rewards - Automatically, the Citi Prestige cardholder will be enrolled into the rewards program offered by the Citi-ThankYou Rewards Program. The accumulated rewards under the program can be redeemed as Citi ThankYou Points. The points can be redeemed for a wide variety of redemption options that have been formulated based on the UAE credit cardholder’s needs.
  • Foreign Currency Purchases - For every US Dollar 1 spent in a foreign currency, the cardholder will earn 3 ThankYou Points. Every time the cardholder make reservations for hotel stays, spends on shopping or entertainment, etc., paying in a foreign currency will entitle them to earn more points.
  • Increased ThankYou Points Earning - For every US Dollar 1 spent on making accommodation reservations using the official website of Kaligo, the cardholder will accumulate 20 ThankYou Points. The cardholder can choose from 425,000 hotels around the globe and avail the benefit of earning enhanced ThankYou Points.
  • Purchases Made in Local Currency - For every US Dollar 1 spent in the local currency of UAE, i.e. AED, the cardholder will earn 2 ThankYou Points. Every time the cardholder dines out at a fancy 5-star restaurant or indulges in coffee at their favourite local coffee spot, they will accumulate ThankYou Points.
  • Anniversary Bonus ThankYou Points - The cardholder will get 10,000 ThankYou Points as an anniversary bonus upon paying the full annual membership fee. Terms and conditions applicable.
  • Sign up Benefit - When the applicant opts for a credit card online, they get the following benefits:
  1. 30,000 ThankYou Points as a sign-up bonus
  2. AED 1,250 statement credit
  • Extra Night Stay- Upon booking 3 consecutive nights, the cardholder can rejuvenate and relax with the complimentary 4th night at the hotel of their choice across the globe. To avail of this offer, the booking should be made through Citi Prestige Global Concierge. The best part is that this benefit doesn’t come with any limitation on the number of complimentary nights the cardholder can avail in a year.The cardholder can go through the International Complimentary Night Hotels and Resorts Program under Terms and Conditions.
  • Concierge Service by Citi Prestige - Citi Prestige Credit Card members have access to someone having resources and knowledge to formulate a plethora of exclusive lifestyle experiences for them across the globe. More than an assistance line, they have access to a 'lifestyle management service’. The service helps the card member in the following ways:
  1. It helps them to get reservations at the best restaurants around the world.
  2. It helps them get an exclusive ticket to a sold-out venue.
  3. It surprises them with various ideas for a wonderful travel experience.

To avail of the concierge service, the cardholder needs to call the Citi Phone Banking service that is available 24 hours and get in touch with the Citi Prestige Concierge Desk.

  • Access to Airport Lounges - The cardholder gets unlimited complimentary access to more than 1,000 airport lounges around the world. The benefit is extended to their supplementary card member as well. The cardholder as well as the supplementary cardholder can bring one accompanying guest each.
  • Access with LoungeKey - Here are the steps the cardmember needs to follow to access a participating lounge:
  1. Identify himself/herself as a LoungeKey member in front of the staff on duty at the lounge reception.
  2. Display his/her card to the staff on duty at the lounge reception.
  3. To register the visit and provide access to the lounge, the cardmember’s card will be swiped.
  • Meet & Greet Service at Airport - The cardholders can enjoy a complimentary Marhaba Silver Meet and Greet service at Dubai International Airport.
  • Golf Access - The cardholders can play a round of golf on a complimentary basis once a month at partner golf courses in the UAE.
  • Free Movie Tickets - The cardholders can enjoy up to 4 buy one get one movie tickets every month. The offer can be availed throughout the week.
  • Supplementary Credit Cards - The cardholders can get unlimited supplementary credit cards for their family members. They don’t have to pay any extra fee and they can select the spending limit on the cards.
  • Purchase Protection - When an applicant opts for a Citi Prestige Credit Card, they automatically get enrolled in Purchase Protection. It protects the eligible purchases made with Citi Prestige Credit Card in case the purchased goods get accidentally lost, stolen or damaged for up to 90 days from the date of purchase.
  1. Citi World Privileges  - Citi credit cards provide access to a number of dining and entertainment discounts within the UAE and across 95 nations worldwide with Citi World Privileges. 
  2. Instant Cash Loans  - The cards offer instant cash loans with a single press of a button using the Citi Mobile app.
  • Complete Card Control -  With the Citi Mobile app, you can activate your credit card, limit card expenses and secure your transactions within no time.

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Benefits of Citibank Prestige Credit Cards

The Citibank Prestige credit card comes with a range of loyalty benefits and reward points. Individuals with a Prestige credit card can earn ThankYou Points on each and every expense. They can redeem the reward points and earn exclusive discounts. Following are the key benefits of Citibank Prestige Credit Cards in the UAE. 

  • As a cardholder, you can earn up to 3 ThankYou Points for each US Dollar you spend using the Prestige credit card. 
  • For every international spending, you earn 3 ThankYou Points and for each local spending, you earn 1 ThankYou point. 
  • The cardholder enjoys multiple redemption options such as cash rebate, purchasing merchandise, vacation bookings through Staycation and flight booking across 14 partner airline companies. 
  • With the Prestige credit card, you get 10% off on Amazon.ae and a 15% discount on Zomato. The offers are valid until Dec 2021. 
  • As a Citibank Prestige credit card member, you can avail of up to four BUY 1 GET 1 free movie tickets with VOX cinemas every month on any day of the week.  Additionally, you get up to two complimentary movie tickets in a month with Reel Cinemas including 20% off on drinks and food on any day of the week.
  • While booking hotels using the Citibank credit card, you get a complimentary 4th-night hotel stay worldwide or for Staycation. 
  • As a part of lifestyle privilege, you can enjoy unlimited free golf on weekdays and once a month on weekends at premium golf courses.
  • The cardholders get unlimited access to over 1000 airport lounges around the world without any charges. 
  • With the Citibank credit card, you get 150 free VoucherSkout credits that provide you 50% off on total bills, including dining bills, food orders and other expenses across 500 outlets. 
  •  With Citi Prestige Concierge, you get 24*7 worldwide assistance, including hotel reservations, travel bookings and much more.  
  • The Citibank Prestige credit card offers instant cash loans with a few simple clicks; all you need to do is download the Citi Mobile application. 
  • In case of bigger purchases, you can convert them into easy instalment plans and repay them in flexible tenures. 

Rewards & Offers on Citi Prestige Credit Card

Gold Tier Membership of Qatar Airways Privilege Club

Being a Citi Prestige MasterCard member, the cardmember is entitled to get a free upgrade to the Gold tier in Qatar Airways Privilege Club. The cardmember enjoys top-tier advantages with Qatar Airways as well as the entire Oneworld airline alliance.

Travel Inconvenience Insurance

Travel exposes an individual to travel-related risks. During his/her travel, in case the cardmember encounters a problem, be it flight delays or missing luggage, the Citi Prestige MasterCard will compensate for the same.

Global Hotel Alliance DISCOVERY Black Membership

The cardholder enjoys DISCOVERY Black-level membership on a complimentary basis at more than 550 hotels. With the help of a loyalty programme offered by Global Hotel Alliance, the cardholder can avail of early check-in, free room upgrades, late checkout, etc. at best hotels such as Kempinski, Anantara, Corinthia, etc.

Travel Medical Insurance

In case of a medical urgency, when the cardholder needs medical care, he/she will get the necessary medical care. It ensures his/her health is never compromised.

Here are the services offered by the Citi Prestige Credit Card:

Automatic Alerts

The cardholder can stay updated about their account activity. They can set up alerts to get alerts about their balance, outstanding payments when they exceed their credit limit and the purchase they make using their card by opting for the automatic alerts service.

Bill Payment

The cardholder can pay their Citibank credit card bill online as well as offline. Here’s how:

  • Online: If the cardholder holds an account with Citibank, they can pay their Citibank Prestige Credit Card bill using their internet banking account. 
  • Offline: The cardholders can pay their credit card bill at Citibank ATM by making a deposit.

Contactless Technology

The Citibank Prestige MasterCard Credit Card comes with the latest contactless technology. It makes the transactions easier, faster and hassle-free.

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Reward Program on Citi Prestige Credit Card

How does it Work?

When the cardmember uses their card to make payment, they earn points as per the applicable terms and conditions.

How to Earn Your Rewards?

The best part about having the Citi Prestige Credit Card is earning rewards. Whenever the cardholder makes a purchase using their Citi Prestige Credit Card, they earn rewards.

How to Redeem Your Points?

Redeem your ThankYou Points:

The Citi ThankYou Rewards Program offers one of a kind rewards experience for their cardholders. The cardholder can redeem their accumulated ThankYou Points for purchasing merchandise or can redeem instant rewards such as booking their travel itinerary with their accumulated ThankYou Points.

Here are ways in which the cardholder can redeem their accumulated redemption points:

  • Shopping - Using their ThankYou Points, the cardholder can order merchandise such as apparel, home goods, electronics, etc. They can browse through a plethora of items, buy them as per their preference and get them delivered to their doorsteps.
  • Travel Bookings - Using their ThankYou Points, the cardholder can redeem their ThankYou Points for booking hotels, flight tickets, holiday packages and rental cars. For bookings flight tickets, booking charges of AED 37 are applicable.
  • Cash Rebate - Using their ThankYou Points, the cardholder can get a cash rebate on the travel-related spending using their Citi Prestige Credit Card. It enables the cardholder to fly for free with their preferred airline, enjoy free stays at the hotel, book ferry trips for free and explore the world.
  • Transfer Points - The cardholder can transfer their ThankYou Points to various participating travel loyalty programs and redeem them for booking flight tickets, hotel bookings, etc. on 1:1 basis. Citibank Prestige Credit Card gives the cardholder the best conversion rates without imposing any restrictions on different programs.
  • Gift Cards/ Vouchers - The cardholder can redeem their ThankYou Points and get gift cards/vouchers from a wide variety of entertainment and travel partners.
  • Reversal of Annual Membership Fee - The cardholder can redeem their ThankYou Points and cover their annual membership fee. Terms and conditions applicable. 

Eligibility Criteria for Citi Prestige Credit Card 

To apply for the Citibank credit card, individuals need to satisfy a few eligibility criteria. The following are the eligibility criteria to apply for the Prestige credit card in the UAE.  

  1. Age - To apply for the Citibank credit card, individuals need to be at least 21 years of age. The upper age limit to apply for the Citibank Prestige credit card is 65 years.  
  2. Minimum Monthly Income - To apply for the card, the applicant must have a minimum monthly income of AED 30,000 or above. Also, they need to prove their salary to be stable with a good credit score.
  3. Residency/Nationality - Citibank credit cards are available to UAE nationals/residents as well as expatriates; however, the expats need to furnish all the additional documents asked by the bank. 

Documents Required for Citibank Prestige Credit Card 

Individuals who satisfy the eligibility criteria as stated above can continue to gather the requisite documents. During application, they need to submit the documents related to their identity, financial situation and residence. To apply for the Citi Prestige credit card, applicants will require the following documents. 

  • A Valid Emirates ID: UAE residents and nationals need to produce a valid Emirates ID in original and a copy for record and validation.
  • UAE Residence Visa or Passport copy (for expats): The expats need to submit a copy of a valid passport and produce the original ID during application. For the proof of address, they need to submit UAE Visa details with a copy of the address page. 
  • Proof of Income: Salaried individuals need to provide a salary certificate or salary transfer letter. In addition to this, the applicant will also need to provide the bank statements of the last 3-6 months.
  • Proof of Address: An applicant may show the utility bills or lease/tenancy agreement as address proof.
  • Trade Permit/License: Self-employed individuals may also need to provide a trade license as proof of legitimate business

How to Apply for Citibank Prestige Credit Card?

Citibank offers both online and offline channels to apply for a credit card. With an online application, the individual can conveniently acquire a credit card from the comfort of their home. They can also visit the nearest Citibank branch and apply in person. You can apply for the Citibank Prestige credit card in the following manner - 

  •  Online Application - For online application, you need to visit the official website of Citibank UAE and navigate to the credit card section. Later, you need to select this Citibank Credit card and hit the ‘Apply Now’ button. A page with entry boxes would appear and you need to enter your contact and personal details. Once the process is successfully complete, the bank will approach you for a subsequent application process. 
  • Offline Application - To apply offline, individuals need to visit the nearest Citibank branch with all the required documents and proofs and fill the credit card application form as per the bank representative’s instructions. After the process concludes, your credit card will be dispatched to your address. 

Fees  & Charges for Citi Bank Prestige Credit Card

Here are the applicable charges: 

S.No.

Particulars

Charges

1.

Yearly Membership Fee

AED 1,500

2.

Monthly Retail Interest

3.25 Percent

3.

Monthly Cash Interest

3.25 Percent

4.

Yearly Membership Fee for Supplementary Card

Free

5.

Direct Debit Set-up/ Amendment/ Cancellation

Free

6.

Stopping Direct Debit Payment

AED 50

7.

Card Replacement Charges

AED 50

8.

Card Conversion Charges

AED 50

9.

Sales Draft Copy Charges

AED 65

10.

Credit Shield Plus Charges

0.82 percent of the outstanding monthly balance

11.

LifeStyle Protect Plus Charges

0.79 percent of the outstanding monthly balance

12.

Processing Fees For Personal Loan

1 percent of the total loan amount Minimum AED 500, Maximum AED 2,500

13.

Loan Cancellation Charges

AED 100

14.

Loan Rescheduling Charges

AED 250

15.

Cash Advance Charges

3 percent of the advance amount or AED 99 (whichever is higher)

16.

InstaLoan Processing Charges

AED 100

17.

Late Payment Fee

AED 230

  1.  

Over Limit Fee

AED 249 or the highest over limit amount accessed during the statement period. 

  1.  

Citibank balance transfer interest rates

35.88% per annum at reducing balance basis

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 FAQs on Citi Prestige Credit Card

Q1: How can I redeem my ThankYou points?

Ans: You can redeem your accumulated ThankYou Points in two ways. First, you can redeem it for buying merchandise. Second, you can redeem your accumulated points for instant rewards like booking your travel itinerary.

Q2: Can I make foreign currency purchases using Citi Prestige Credit Card?

Ans: Yes, you can make a purchase in foreign currency. Additionally, you will get rewarded for the same. For spending 1 US Dollar in the foreign currency, you will earn 3 ThankYou Points. When you pay in foreign currency for booking hotel stays, or spending on entertainment, paying shopping bill etc., you will earn points.

Q3: How can I pay my Citi Prestige Credit Card Bill?

Ans: If you have a bank account with Citi Bank, you can pay your Citi Prestige Credit Card bill through your internet banking account. You can pay your credit card bill by making a deposit at the nearest Citi Bank ATM.

Q4: What is the eligibility criteria for applying Citibank Citi Prestige Credit Card?

Ans: In order to apply for a Citibank Citi Prestige Credit Card, you must have a monthly income of AED 30,000. In addition to that, you ought to pay AED 1,500 as an annual membership fee.

Q5: Can I transfer my ThankYou Points?

Ans: Yes. You can transfer ThankYou Points to various participating travel loyalty programs. By doing so, you can redeem your accumulated points for flight tickets booking, hotel bookings etc. on a 1:1 basis or a better basis.