Citibank’s catchphrase is “Live Richly and Never Sleeps.” It takes the same approach when creating financial products for its super-smart clientele. One such product is the Citi Prestige credit card, which is tailored to meet the needs of frequent flyer consumers. It is one of Citibank’s most prestigious credit cards, featuring a slew of perks and services ranging from free golf rounds to access to airport lounges. This card offers everything you need to upgrade your lifestyle. Check out the information below to learn more about the Citibank credit card.
City Bank Credit Card Eligibility Criteria:
- Resident Type: Indian.
- Citibank credit card eligibility for salaried person:
- Age: 21 – 60 yrs
- Income: Rs. 25 lakh annually.
- city bank credit card eligibility for self-employed person:
- Age: 21 – 60 yrs
- Income: Rs. 25 lakh annually.
- Both salaried and self-employed applicants need to have a good credit score (750 or more).
You can apply for this citibank prestige credit card through the online application site, and you can check the status of your application through the Citi application tracking page once it has been filed successfully.
Documents Required To Apply For Citi Prestige Credit Card:
- Photocopy of PAN.
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- PAN Card
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Utility bill
- One recent passport-sized photographs
- Membership number of Shoppers Stop Loyalty Programme.
- Proof of income statement:
- Salaried Person (any 1)
- Salary Slip of the last 3 months
- ITR (Income Tax Return)
- Self-employed person
- Income tax return of the last year and audited financials.
- Proof of business
- Salaried Person (any 1)
According to the new credit card laws, all new city bank credit cards are delivered in an inactive condition, and the user must manually activate the cards by generating a credit card PIN before they may be used. The Cashback beta faq page can also assist you with the citi bank credit card pin generating process.
Citibank Credit Card Fees:
- Citi bank credit card joining fee: Citibank will let you know the joining fee at the time of application.
- Citi credit card annual fee: Rs. 20,000 + GST
Citibank Credit Card Benefits:
Attractive anniversary gift:
You will receive 10,000 air miles and Rs. 10,000 in coupons from ITC hotels or Taj Groups if you use this card. Every year, when you make your first transaction with this card within the first 60 days of the year, you will receive a Citi prestige gift voucher.
Reward on every transaction:
This citibank credit card provides significant reward incentives to its clients; the following are the details of the citi credit card rewards scheme:
|Category of transaction||Rate of earning reward points|
|For every transaction made within India||1 reward point for each Rs. 100 transaction|
|For every international transaction||2 citi bank credit card rewards for each Rs. 100 transaction|
You can use these citibank credit card reward points whenever you want because they never expire. You have several alternatives for redeeming your citibank credit card reward points. You can exchange them for air miles, with 1 reward point equaling 4 air miles. You can also use them for shopping or booking tickets, or you can use them to purchase a product from the citibank credit card points redemption catalogue.
Free access to airport lounges:
Under the priority pass programme, you will have unrestricted access to more than 800 airport lounges worldwide with this citi bank credit card. This advantage is available to both primary and add-on users.
Enjoy your stay at some of the premium hotels with attractive deals:
You will receive a four-night stay for free at one of our selected partner hotels. This citibank card also comes with a complimentary subscription to the Taj InnerCircle Epicure programme. You can also take advantage of exclusive advantages and discounts on hotel reservations.
Get a premium dining experience with exclusive discounts:
Free golf rounds that will make your weekends special:
Complimentary insurance coverage protection to support you in emergencies:
You will receive a USD 50,000 foreign medical emergency coverage with this citibank bank credit card. If the cardholder is hospitalised for at least 24 hours, this offer is valid.
Lost Card liability:
You can claim a lost card responsibility up to Rs. 10,00,000 with your Citi elite credit card, but you must report it within two days of the card being lost. However, if a scammer uses your credit card pin to complete the purchase, your insurance coverage will be void.
This citi bank credit card comes with a personal concierge service that may help you with travel arrangements, entertainment, and more. Outside of India, this Citi credit card feature is also available.
Advanced contactless payment option:
You can now pay with simply a wave, no PIN required, and no card swipe required. With this option, you can pay up to Rs. 2,000. The contactless payment option can be controlled using your citibank credit card online banking account or the citi mobile app.
Loan Against card:
Your available credit limit can be converted into an instant loan with your citi bank prestige credit card. You can also pay the balance in easy monthly EMIs; you can view the EMIs on your citibank credit card statement.
Convenient citi credit card payment options:
Citibank credit card bills can be paid online through your net banking account or with any credit card payment app. If you don’t have access to any of the above-mentioned citi bank credit card bill payment alternatives, you can pay your credit card bill using NEFT, a check, or an ATM near you.
Security of citi prestige credit card:
This citi credit card has an EMV chip embedded in it, which is designed for convenience and security. It provides more security than magnetic stripes did previously.
Citibank Credit Card Charges:
|Citibank credit card cash withdrawal charge||2% against the amount (applicable once per withdrawal)|
|Finance Charge||3.75% monthly or 45% annually.|
|Citibank international credit card transaction charge||3.5% against the transaction amount (applicable once per withdrawal)|
|Add-on card fee||None (for up to 5 cards)|
Citi Bank Credit Card Helpline Contact Details:
- Call the citi credit card customer care no: 1860-210-2484 or 022-4955-2484
- Write to the citibank credit card customer care email id: [email protected]
Cashback beta Ratings:
Pros and cons of Citi Prestige Credit Card:
|Complimentary insurance coverageFree access to airport lounge accessAttractive deals on hotel booking||Higher annual feeThe rate of earning reward points is not that good|
It is one of the premium credit cards offered by Citibank, that offers loads of exclusive features and benefits. From the free lounge access to complimentary golf rounds, this card has everything that you can expect from a premium credit card. But the major drawback of this card is the massive annual fee, which is Rs. 20,000 per year, at this price point, you can get a more premium credit card than this. So I would suggest you take a look at the Cash back beta top 10 premium credit cards page. You can also compare the alternative card options given below.
- Axis bank reserve credit card (Best for reward points and lounge access benefits)
- Axis Bank Miles and More Credit Card (Best for dining and lounge access benefits)
- ICICI Bank Visa Signature Credit Card (Best for dining and lounge access benefits)
- Standard chartered digismart credit card (Best for cashback and travel benefits)