- Huge bonus: 250,000 Citi reward Points with $10k eligible spend in 3 months (ends 23 Oct 2025)
- High earn rates: Up to 3 pts/$1 with category bonuses
- Airport lounges: Priority Pass digital membership with 15 complimentary visits per year shared with guests
- Signature perks: 4th Night on Us (PRESTIGE4N), Uber Premier $100 cashback, Luxury Escapes/Expedia/Wotif/Trip.com offers, BINGE cashback
- Insurance suite: International & Domestic Travel Insurance, Mobile Phone Insurance, Purchase Cover, Extended Warranty, Guaranteed Pricing
- Up to 4 additional cardholders free; Apple Pay / Google Pay / Samsung Pay compatible
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Citi Credit Cards
Citi Prestige Credit Card
Updated 16 September 2025
250,000 bonus Citi reward Points when you spend $10,000 on eligible purchases within the first 3 months from approval. Offer ends 23 October 2025. New accounts only. T&Cs, eligibility criteria and exclusions apply.
Premium earn rates up to 3 Points per $1, Priority Pass™ Standard Membership with 15 complimentary lounge visits each membership year (shared with accompanying guests), complimentary insurances and 24/7 Personal Concierge.
Points Earn Rate (per $1 spent)
1 point
CitiRewards Program
Citi Rewards Program
Bonus Points
250,000 pts
Spend $10,000 in the first 90 days
Pros and cons
- $700 annual fee
- High interest costs if you carry a balance: 22.49% p.a. purchases; 22.99% p.a. cash advances
- Category bonuses require purchases to be made directly with eligible merchants (restaurants/hotels/airlines, supermarkets/petrol/national retailers)
Creditcard.com.au review
Editor Review
Citi Prestige Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Big Review: Citi Prestige Credit Card
The Citi Prestige Credit Card is a heavy-hitter for travellers who want premium perks and a rich earn rate. The headline is clear: 250,000 bonus Citi reward Points when you spend $10,000 on eligible purchases within the first 3 months (offer ends 23 October 2025).
How you earn Points
- 3 pts/$1 on International Spend
- 3 pts/$1 on selected domestic spend made directly with major restaurants, hotel chains and airlines (flights only)
- 2 pts/$1 on selected domestic spend made directly with major supermarkets, petrol outlets and national retailers
- 1 pt/$1 on all other domestic eligible transactions
Airport lounge access
Prestige includes a Priority Pass™ Standard Membership with 15 complimentary lounge visits per membership year, shared between the primary cardholder and accompanying guests. Visits reset annually and are managed in the Priority Pass app.
Standout travel & lifestyle benefits
- 4th Night on Us: Code PRESTIGE4N, credit back for one night on eligible Luxury Escapes bookings (up to $1,000 per booking), up to 4 times per calendar year
- Uber Premier $100 cashback: Spend $100+ on a single Uber Premier ride (or eligible ride option) and pay with Prestige to receive $100 cashback (one redemption per calendar year; T&Cs apply)
- Luxury Escapes: 15% off LUX Exclusive hotels (PRESTIGELUX) and 10% off international tours (MYLUXTOURS10) — book by 1 Mar 2026
- Hotel discounts: 10% off selected hotels on Expedia (EXP10TRVL) and Wotif (WOT10TRVL) — book by 31 Jan 2026; stay by 30 Jun 2026
- Flights discount: 5% off international flights from Australia at Trip.com with AUSFLY5 — book by 31 Dec 2025; travel by 30 Sep 2026
- Streaming: $10 BINGE cashback each month on Standard/Premium plans — until 31 Oct 2025
- Personal Concierge available 24/7
Complimentary insurance
On eligible purchases and trips you’ll receive International & Domestic Travel Insurance, plus Mobile Phone Insurance, Purchase Cover, Extended Warranty and Guaranteed Pricing Scheme. Always read the policy booklet for limits and exclusions.
Costs to consider
- Annual fee $700
- Ongoing interest rates: 22.49% p.a. purchases; 22.99% p.a. cash advances
- Up to 44 days interest-free on retail purchases when you pay the full statement balance by the due date
- Credit limits: $20,000 minimum, up to $100,000
Verdict
If you value airport lounge access, concierge support and rich category earn, Citi Prestige delivers. Hit the $10k spend to bank 250k bonus Points, then keep maximising value with the 3/2/1 earn tiers and the suite of travel and lifestyle perks.
User reviews
Rates and fees
Interest rates
Purchase rate 22.49% p.a.
Cash advance rate 22.99% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer revert rate 22.99% p.a.
Balance transfer from personal loan Yes
Balance transfer fee No fee
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Citi
Credit limits
Minimum credit limit $20,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $700 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3.4%
Minimum repayment 2% or $30 whichever is greater
Cash advance fee 3.5% or $3.50, whichever is greater (Domestic); $5 (International)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Citi Rewards Program
Bonus points 250,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $10,000 in the first 90 days
Earning points with this card
Citi Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate 3 points per $1 spent
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance No
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Global Assistance
Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.
Overview
Citi Prestige Credit Card
The Citi Prestige Credit Card is a premium rewards card with a huge sign-up bonus and top-tier perks. Get 250,000 bonus Citi reward Points when you spend $10,000 on eligible purchases within 3 months from approval (offer ends 23 October 2025). Earn up to 3 Points per $1 depending on the purchase category, enjoy Priority Pass™ digital membership with 15 complimentary lounge visits per year (shared between you and guests), complimentary International & Domestic Travel Insurance and Mobile Phone Insurance, Luxury Escapes hotel/tour discounts, and 24/7 Personal Concierge. Annual fee $700; purchase rate 22.49% p.a.; cash advance rate 22.99% p.a.; up to 44 days interest-free on retail purchases when you pay in full.
Key features
- Bonus: 250,000 Citi reward Points after $10,000 eligible spend in 3 months. Offer ends 23 Oct 2025.
- Annual fee: $700
- Earn rates (Citi reward Points):
- • 3 pts/$1 on International Spend
- • 3 pts/$1 on selected domestic spend made directly with major restaurants, hotel chains and airlines (flights only)
- • 2 pts/$1 on selected domestic spend made directly with major supermarkets, petrol outlets and national retailers
- • 1 pt/$1 on all other domestic eligible transactions
- Priority Pass™: Digital membership with 15 complimentary lounge visits per year shared between you and guests
- Complimentary cover: International & Domestic Travel Insurance, Mobile Phone Insurance, Purchase Cover, Extended Warranty, Guaranteed Pricing Scheme
- Additional cardholders: Up to 4 at no extra cost
- Interest-free: Up to 44 days on retail purchases when you pay the full statement balance by the due date
- 4th Night on Us (Luxury Escapes): Book 4 consecutive nights or more and get the 4th night credited back (code PRESTIGE4N), up to $1,000 credit per booking; max four times per calendar year
- Uber Premier $100 cashback: Spend $100+ in one Uber Premier ride (or eligible ride option) and pay with Citi Prestige to receive $100 cashback; cap & T&Cs apply
- Luxury Escapes: 15% off LUX Exclusive hotels (up to $500 per booking) with PRESTIGELUX & 10% off international tours (up to $250) with MYLUXTOURS10; book by 1 Mar 2026
- Expedia/Wotif: 10% off selected hotels — codes EXP10TRVL / WOT10TRVL; book by 31 Jan 2026; stay by 30 Jun 2026
- Trip.com: 5% off international flights from Australia — code AUSFLY5; book by 31 Dec 2025; travel by 30 Sep 2026
- BINGE: $10 cashback each month on Standard/Premium plans; until 31 Oct 2025
- 24/7 Personal Concierge
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question67 questions (showing the latest 10 Q&As)
Can I transfer Citi Points to Qantas Frequent Flyer Program or Emirates Skywards? If so, what's the transfer ratio?
Hi JB, great question! Citi Rewards doesn’t currently offer transfers to Qantas Frequent Flyer, but you can transfer your Citi Prestige points to partners like Velocity (Virgin Australia), Singapore Airlines, and others. For example, with Velocity, the transfer rate is usually 2 Citi Points = 1 Velocity Point.
To double-check your options, you can log into your Citi Rewards account or give Citi a quick call on 13 24 84. If you want to read our review of the Citi credit card that earns Qantas points, you can check out the Citi Premier Qantas Card.
Can I transfer Citi Points to qatar privilege club?
Hi Samrina, yes, Citi Reward Points can be transferred to Qatar Airways Privilege Club (Avios). You can find details on how point transfers work in our guide to Citi Rewards and confirm current offers or rates in Citi’s Rewards Program Terms & Conditions. For help with your account or initiating a transfer, you can also contact Citi directly on 13 24 84 or find our more in the app.
Can I convert Citi points to skywards points and if yes at what rate
Hi Jane, you used to be able to convert Citi to Skywards but this was discontinued at the end of January 2023. You can convert Citi points to other programs like Flybuys, Krisflyer and Virgin Velocity points. If you have an American Express credit card that earns Membership Rewards Points, you’ll be able to convert to Emirates Skywards at 3 MR points to 1 Skywards Mile.
Hi Pauline I am trying to apply for this card today but having access to apply no tab , says expires 23/10 23 , can you send me the correct link / application site / page please
Thanks very much Jim
Hi Jim, unfortunately we’re currently not partnered with Citi. You can however visit their official website page to apply.
Hello.
Your website advertises the Citi prestige card to have a 300,000 points bonus if you apply by Oct 2023. Do you have the terms and conditions for this as I would like to apply for this deal although the Citi website has now dropped its reward points to 275,000. If you have a proof of the 300,000 by Oct 2023 that you could provide me that would be much appreciated.
Kind regards
Jaz
Hi Jaz, we apologise for your confusion. Unfortunately, the 300,000 points offer expired on the 31st of May. As now advertised on the Citi website, the offer is now 275,000 bonus points when you apply by the 25 October 2023 and spend $10,000 in the first 90 days from your account being approved.
Can I use my Prestige card in Singapore Lounge in Brisbane
Hi Des. The Citi Prestige credit card indeed allows you unlimited access to more than 1200 Priority Pass lounges worldwide. You can visit www.prioritypass.com to view a full list of access at Brisbane International. Happy flying! ✈️
Do you know what the minimum credit score requirement is for the Citi Prestige card?
Hi Paul, your credit score is just one of the factors that go into a provider's assessment of you for a credit card. This is a top tier credit card and with an estimated minimum income requirement for the Citi Prestige card has been stated as $150,000, you’ll want your score to be at least in the “excellent” territory. There’s a whole other range of eligibility criteria for this card also. Hope that helped!
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lxbfYeaa
9 July 20241
Does not recommend this cardlxbfYeaa
9 July 20241
Does not recommend this cardDisgruntled Citi Prestige User
16 December 2022This card has decent benefits but let's be real, you might not use all of them. For an exorbitant annual fee of $350 first year and $700 subsequent years, supposedly catering to prestigious members, their customer service is atrocious. There's no dedicated call number for their call center, you have to call the generic number and wait forever like all other card users (I have their Citi Rewards card as well). Their Citi Prestige Concierge phone number on their booklets and online is wrong - doesn't work when you call them. Had to waste 40 minutes searching high and low and calling their general number 3x to speak to someone from the concierge team. Honestly, no real "prestige" like its namesake - use this card only if you are after some travel-related rewards like Priority Pass.
Does not recommend this cardFrisky
24 October 2022Applied a month ago. Earn more than $160k from SMSF, have $1M in bank and many millions in assets. 960 Experian score but refused because not enough income!!!! Either not accepting new customers surreptitiously because of takeover by NAB or discrimination of retirees.
Does not recommend this cardCreditcard.com.au Visitor
13 April 2013The rewards program is great I recently spent 12k aud in New Zealand which earned 72000 points I converted 75000 points at the divide by 1.5 ratio into into kris flyer 50000 miles which I can use for air New Zealand or virgin rewards it costs 35000 miles to fly return business class Sydney to Auckland. Now the bad news despite paying 700 per year you still get answered by those super friendly offshore call centres that look after the people with student Visa cards Citibank should have this type of client talking to on shore people same as st George do
Does not recommend this card