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275,000 Spend $10,000 in the first 90 days
Citi Prestige Credit Card
Citi Prestige Credit Card

Citi Credit Cards

Citi Prestige Credit Card

Updated 1 May 2024

Receive 275,000 bonus Citi reward Points when you apply and spend $10,000 in the first 90 days from account approval. Enjoy 0% p.a for 6 months on balance transfers. Plus, enjoy a range of prestige features including complimentary insurance coverage and extensive travel, lifestyle, and entertainment perks while earning up to 3 Points per $1 on your card.

Points Earn Rate (per $1 spent)

1 point

Citi

Rewards Program

Citi Rewards Program

Bonus Points

275,000 pts

Spend $10,000 in the first 90 days

Pros and cons

  • Receive 275,000 bonus Citi reward Points when you apply and spend $10,000 in the first 90 days from account approval
  • Save with 0% p.a for 6 months on balance transfers (reverts to cash advance rate). Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Earn up to 3 Citi reward Points per $1 spent
  • Uncapped points earning
  • Transfer your Citi reward Points to airline and hotel partners including Virgin Australia Velocity, Emirates Skywards, IHG Rewards Club and Singapore Airlines KrisFlyer
  • One Luxury Airport Transfer in selected cities in Australia up to $100.
  • Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.
  • Enjoy your fourth night free when you book 4 consecutive nights at a huge range of hotels in Australia
  • Receive monthly cashback on purchases from your favourite stores with My Cashback offers
  • Enjoy 10% discount (up to $250) Limited Time Lux Exclusive hotel offers. Offer available until 1 March 2025.
  • 24/7 Personal Concierge
  • Complimentary International Travel Insurance
  • Up to four additional cardholders at no extra cost

  • High annual credit card fee of $700 p.a.

Creditcard.com.au review

Editor Review

Citi Prestige Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Big Review: Citi Prestige Credit Card

Point calculations are accurate as of 30 January 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official Citi page for the updated calculations.

Offering an incredible range of prestige features, the Citi Prestige Credit Card certainly lives up to its name. Cardholders can benefit from an extensive array of travel, lifestyle and entertainment perks, while earning up to 3 Points per $1 on their card - and with 275,000 bonus Citi reward Points now on offer to new applicants, this is most definitely the time to apply.

  • Receive 275,000 bonus Citi reward Points when you apply for a new Citi Pretige Card and spend $10,000 in the first 90 days from account approval
  • Earn up to 3 Points per $1 spent on eligible purchases
  • Ability to transfer Points to Emirates Skywards, Velocity Frequent Flyer and Singapore Airlines KrisFlyer and other international frequent flyer programs
  • Complimentary airport transfer in selected cities in Australia up to $100
  • Unlimited access to more than 1,200 airport lounges worldwide for you and a guest through Priority Pass
  • Enjoy your fourth night free when you book 4 consecutive nights at a huge range of hotels in Australia
  • Get 10% discount (up to $250) Limited Time Lux Exclusive hotel offers. Offer available until 1 March 2025.
  • 24/7 Personal Concierge
  • Complimentary insurance cover
  • Up to four additional cardholders at no extra cost
  • Up to 44 days interest free on purchases
  • $700 annual fee
  • 21.49% p.a. standard variable purchase rate
  • 22.24% p.a. cash advance rate
  • 0% p.a for 6 months on balance transfers (reverts to cash advance rate). Please note, no interest free days apply to retail purchases while you have a balance transfer.

This Card: The Lowdown

With a high earn rate and no Points cap in place, the Citi Prestige Credit Card is the ideal card for big spenders who want to earn Points aggressively. Cardholders can earn Points on the Citi Rewards Program, or transfer the Points they earn to other frequent flyer programs, such as Emirates Skywards, Velocity Frequent Flyer and Singapore Airlines KrisFlyer.

Offering an enticing array of travel, lifestyle and entertainment perks, this card is perfect for cardholders who want something extra from their card. And with 275,000 bonus Citi reward Points currently on the table, this card becomes even more attractive.

What could you get for 275,000 Points?

  • Fancy a trip to Europe? You could fly from Sydney to London Heathrow.
  • Earning points on the Velocity program? Transform those bonus Points into 100,000 Velocity Points.

As a prestige offering providing prestige features, this card has more than its fair share of perks.

  • One Luxury Airport Transfer in selected cities in Australia up to $100.
  • Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.
  • Get your fourth night free when you book 4 consecutive nights at a huge range of hotels in Australia
  • 24/7 Personal Concierge

This card also offers cardholders peace of mind when they shop and as they travel, with a range of complimentary insurance covers:

  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Transit Accident Insurance
  • Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • Extended Warranty Insurance

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Citi Prestige Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

An excellent choice for anyone looking to earn big on their credit card spending, this card has a fantastic earn rate, and no Points cap in place. That means you can earn as many Points as you want each month. You can also earn Points faster, with up to four additional cardholders at no extra cost.

  • Earn 3 Points per $1 spent on eligible international purchases.
  • Earn 3 Points per $1 spent on selected domestic purchases made and booked directly from a range of major: restaurants, hotel chains and airlines (flights only).
  • Earn 2 Points per $1 spent on selected domestic purchases made at major: supermarkets, petrol outlets, and national retailers.
  • Earn 1 Point per $1 on other eligible domestic purchases.

You may have noticed that the highest advertised earn rate favours international spending and travel-related purchases. This is great, as long as you have a considerable overseas spend and you travel extensively. However, it is worth noting that the card attracts a 3.4% foreign transaction fee, which may affect the Points-earning potential on international spending.

What about those 275,000 bonus Citi reward Points? To be eligible you must apply online and spend $10,000 in the first 90 days from account approval. Your bonus Citi reward Points will be credited within six to eight weeks of meeting the spend criteria.

When it comes to redeeming your bonus Points and the Points you earn, you have a number of options available to you.

  • Redeem Points in the Citi Rewards Store for digital gift cards, flights, merchandise and more.
  • Transfer Points to other frequent flyer programs, including Emirates Skywards, Velocity Frequent Flyer and Singapore Airlines KrisFlyer.
  • Opt for Pay with Points, where you use your points to pay for something and then receive a statement credit.

This Card: As a Travel Rewards Card

With a focus on rewards point earning on international spending and travel purchases, this is a card that rewards the frequent traveller. For that reason, it’s no surprise that the Citi Prestige Credit Card also focuses its features on extras that benefit the frequent traveller as well.

Airport Transfers

No more worrying about the taxi arriving on time or the Uber having enough boot space for your suitcase, with the card’s Luxury Airport Transfer Service, you can arrive at the airport in style. As a cardholder, you can enjoy one complimentary one-way transfer to or from selected Cities in Australia up to $100.

Bear in mind, Luxury Airport Transfer will transport up to 6-7 passengers with 6 suitcases and 4 small bags. Any excess charges beyond the complimentary allowance will be advised to the cardholder upon confirmation of the booking.

Airport Lounge Access

One complimentary digital Priority Pass™ Membership, with unlimited lounge visits, for the primary cardholder is a Special Feature of the Citi Prestige Card. Citi Prestige Credit Cardholders must enrol for the Priority Pass Standard Membership at www.prioritypass.com/prestigeaumc by 31 December 2023. The primary cardholder may bring one guest for free per visit. Any additional guests will be charged directly by the lounge. You will need to download the Priority Pass™ App via the Apple App Store or get it on the Google Play Store to access your Digital Membership Card. The membership is subject to the Priority Pass™ Conditions of Use. Please note that within Australia, Priority Pass is available at select airports. For the full list of up to date airport lounges and Priority Pass™ Conditions of Use please refer to www.prioritypass.com along with the Citi Prestige Credit Card Benefit Terms and Conditions for further information.

With complimentary Priority Pass access, this card also makes long airport stays and layovers all the more comfortable, with unlimited airport lounge access for you and a guest. As a cardholder, you will benefit from Priority Pass membership, which not only gives you unlimited lounge benefits, it also provides extra perks such as discounts at airport restaurants.

Stay for Free

Get your fourth night free when you book 4 consecutive nights at a huge range of hotels in Australia.

This Card: Extras on Offer

Anything else? Of course, when you pay $700 each year in annual fees, you expect a little more from your credit card. Fortunately, Citi understands this, and offers a selection of additional features to keep even the most discerning cardholder happy.

Personal Concierge

Like most prestige credit cards, the Citi Prestige Credit Card offers a personal concierge service. Available 24 hours a day, seven days a week, the Citi concierge service can assist cardholders with everything from booking flights and hotel accommodation, to making restaurant reservations and offering recommendations on where to go and what to do, no matter where they are in the world.

My Cashback

My Cashback is a no-fuss, hassle-free rewards program of Citi which allows cardholders to automatically receive monthly cashback on their purchases when they use their Citi Clear Card to shop from their favorite brands. Access the program in the Citi Mobile® App and check some personalised offers.

Citi PayAll

You can take advantage of the Citi PayAll feature which lets you schedule recurring payments for your rent, education fees, childcare, taxes, bills, and more. Effective 1 November 2023, the Citi PayAll fee changed to 0.95% of the amount being paid.

Complimentary Insurance

Again, similar to other prestige credit card offerings, the Citi Prestige Credit Card provides cardholders with some added peace of mind, in the form of complimentary insurance cover. When flights are purchased with the Citi Prestige Card, cardholders can benefit from protection when travelling with:

  • International Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Transit Accident Insurance

And when using their card to make a purchase, cardholders have cover in the form of:

  • Purchase Cover Insurance
  • Guaranteed Pricing Scheme
  • Extended Warranty Insurance

* Note: as of 16 October 2023, the Linked Diners Club card is no longer available with Citi.

This Card: The Essentials

Now we’ve gone over all the fun stuff, it’s time to get into the not-so-fun stuff. To be eligible to apply for this card, you must be 18 years or older and an Australian resident. Also know that the card has a minimum credit limit of $20,000 and a maximum credit limit of $100,000.

As for the card’s annual fee, this is significant. You will pay $700 per year in annual fees, but, it is worth thinking about all the extras you get for that payout. If you are a big spender, you may easily get that value back in rewards, plus, you can enjoy the vast range of features the card has to offer.

However, to make it all worthwhile, you will need to pay off your balance in full before interest starts accruing. With a high standard purchase rate, this card will make all those rewards, features and extras null and void if you carry a balance month-to-month.

Decision Time

With so much on offer, the Citi Prestige Credit Card is a very appealing card indeed. Big spenders can earn big on rewards, with 275,000 bonus Citi reward Points making the deal even sweeter. And, if you like a little extra from your credit card, this Citi offering has more features and perks than you’ll know what to do with, including airport lounge access and transfers, hotel stays and plenty of lifestyle extras.

User reviews

Citi Prestige Credit Card ( based on 8 Creditcard.com.au user reviews )

77% rating based on 8 reviews

Rates
Fees
Rewards
Customer Service
Value
38%

Disgruntled Citi Prestige User

16 December 2022

This 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 card
90%

Frisky

24 October 2022

Applied 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 card
47%

Creditcard.com.au Visitor

13 April 2013

The 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

Rates and fees

Interest rates



Purchase rate 21.49% p.a.

Cash advance rate 22.24% 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 22.24% 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 Citi Rewards Program

Bonus points 275,000 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

Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest.

One Luxury Airport Transfer in selected cities in Australia up to $100

Overview

Citi Prestige Credit Card

You can earn 3 Points per $1 for all eligible International Spend and 3 Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants, hotel chains and airlines. For other Points earn rates, you can also receive 2 Points per $1 on selected domestic purchases made at major: petrol outlets, supermarkets and national retailers and 1 Point per $1 spent everywhere else on domestic Eligible Transactions.

Key features

  • Receive 275,000 bonus Citi reward Points when you apply and spend $10,000 in the first 90 days from account approval
  • Save with 0% p.a for 6 months on balance transfers (reverts to cash advance rate). Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Earn up to 3 Points per $1 spent on selected purchases, uncapped
  • Complimentary airport transfer and unlimited lounge access
  • Enjoy your fourth night free when you book 4 consecutive nights at a huge range of hotels in Australia
  • Enjoy 10% discount (up to $250) Limited Time Lux Exclusive hotel offers. Offer available until 1 March 2025.
  • Receive monthly cashback on purchases from your favourite stores with My Cashback offers
  • 3 Points per $1 for all eligible International Spend
  • 3 Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants, hotel chains and airlines
  • 2 Points per $1 for selected domestic purchases made at major: petrol outlets, supermarkets and national retailers.
  • 1 Point per $1 spent everywhere else on domestic Eligible Transactions
  • Enjoy complimentary Priority Pass membership and unlimited lounge visits for you and a guest
  • Personal concierge service
  • International Travel Insurance
  • Purchase Cover Insurance and Extended Warranty

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian resident

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 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.

64 questions (showing the latest 10 Q&As)

Jim

Jim

11 July 2023
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
    Pauline - CreditCard.com.au

    Pauline

    12 July 2023
    Hi Jim, unfortunately we’re currently not partnered with Citi. You can however visit their official website page to apply.
Jaz

Jaz

4 June 2023
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
    Pauline - CreditCard.com.au

    Pauline

    6 June 2023
    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.
Des Harrison

Des Harrison

10 April 2023
Can I use my Prestige card in Singapore Lounge in Brisbane
    Pauline - CreditCard.com.au

    Pauline

    11 April 2023
    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! ✈️
Paul

Paul

5 February 2023
Do you know what the minimum credit score requirement is for the Citi Prestige card?
    Pauline - CreditCard.com.au

    Pauline

    6 February 2023
    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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