Citibank Citi Prestige Credit Card

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.

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.

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.

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
	Over Limit Fee	AED 249 or the highest over limit amount accessed during the statement period.
	Citibank balance transfer interest rates	35.88% per annum at reducing balance basis

Other Citibank Credit Cards - 

Citibank Credit Cards
Citibank Citi Premier Credit Card	Citibank Citi Cashback Credit Card
Citibank Citi Prestige Credit Card	Emirates Citibank Ultima Credit Card
Citibank Citi Rewards Credit Card	Emirates Citibank Ultimate Credit Card
Citibank Citi Simplicity Credit Card	Emirates Citibank World Credit Card

 FAQs on Citi Prestige Credit Card