The card has 275,000 bonus Citi reward Points on offer for new cardholders until 30 April 2024 – currently equivalent to 137,500 Velocity Points or 110,000 Krisflyer/Asia Miles when transferred.
The Citi Prestige Card is for the aggressive Points collector—the card has an ongoing annual fee of $700—but with a large number of frequent flyer program transfer partners and a vast range of travel perks.
The most valuable benefits on offer with the Citi Prestige credit card are unlimited complimentary airport lounge passes courtesy of Priority Pass(TM) for you and a guest, a 4th night free at a range of hotels globally when you book 4 consecutive nights and one complimentary airport transfer per year up to the value of $100.
A minimum spend requirement of $10,000 on eligible purchases within the first 90 days is required to receive the 275,000 bonus Citi reward Points.
The bonus is only available for new cardholders are approved for the Citi Prestige credit card.
Digging into the details of the Citi Prestige credit card
Card Details
CardCiti Prestige credit card Loyalty programCiti Rewards Earn rates3 Citi reward points per $1 for Eligible Transactions made directly with major airlines, hotel chains and restaurants in Australia, and International Spend
2 Citi reward Points per $1 on Eligible Transactions made directly with major supermarkets, petrol outlets and national retailers
1 Citi reward Point per $1 spent everywhere else on Eligible Transactions
Points capNone Earns points at ATONo Minimum credit limit$30,000 Travel benefits4th night free when you book 4 consecutive nights at a huge range of hotels One airport transfer in selected cities in Australia up to $100 per year Priority Pass membership Personal Concierge Included insurancesPurchase Cover Insurance International Travel Insurance (PDS) Overseas transaction fee3.40% of the converted amount Mobile walletApple Pay, Google Pay & Samsung Pay Annual fee$700
The effective Points earn rate on spend when transferring out to the key partner programs are as follows:
Effective Frequent Flyer Program Point Earn Rates
Frequent Flyer ProgramMajor restaurants, hotels and major airlinesMajor petrol stations, supermarkets and national retailersAll other eligible spendInternational Spend Velocity Points1.5 point / $1 point / $0.5 point / $1.5 points / $ Singapore Airlines KrisFlyer miles1.2 miles / $0.8 miles / $0.4 mile / $1.2 miles / $ Cathay Pacific Asia Miles1.2 miles / $0.8 miles / $0.4 mile / $1.2 miles / $
Guide to the Citi Prestige credit card
The Citi Prestige Card, like Citi’s slightly less expensive Citi Premier, earns Points on spend into the Citi Rewards program.
In brief, the Citi Rewards program lets you transfer your Citi reward Points over to a range of participating frequent flyer program partners. Citi reward Points are transferred out at different rates as detailed below:
- Virgin Australia Velocity (2 Citi reward Points to 1 Velocity point)
- Cathay Pacific Asia Miles (2.5 Citi reward Points to 1 Asia Mile)
- Singapore Airlines KrisFlyer (2.5 Citi reward Points to 1 KrisFlyer mile)
- Etihad Guest (3:1)
- Qatar Airways Privilege Club (3:1)
- Flybuys (1:1)
The minimum number of Citi reward Points required to make a transfer varies depending on the partner program, which you will be able to see when you login to your online account.
Any balance less than the minimum is ineligible to be transferred to frequent flyer programs until the minimum threshold is reached.
Earning Points from spend on the Citi Prestige credit card
The Points earn on eligible spend for the Citi Prestige Card are tiered, with eligible spend on a range of major: restaurants, restaurant chains, major hotel chains and flights booked directly with major airlines (flights only) and international spend earning 3 Citi reward Points per $1. Then 2 Citi reward Points per $1 at major: petrol stations, supermarkets and retailers and 1 Citi reward Point per $1 spend everywhere else.
This card can yield a good Points haul if you are going to pump a decent amount of spend through it, with the most potential value equating up to 1.5 Velocity Points or 1.2 KrisFlyer miles per $1 spent, and with no annual or monthly cap.
On eligible international spend, you’ll earn 3 Citi reward Points per $1 but will incur a 3.4% surcharge on non-Australian Dollar transactions. This equates to 1.2 KrisFlyer miles or 1.5 Velocity Points per dollar spent on eligible international spend.
The high earn rate on certain categories means that big spenders who can fully utilise these could well justify keeping the card each year just for the Points alone.
If you’re going for Velocity Points, the $700 annual fee may well pay for itself with the Points earned—the transfer rate to KrisFlyer and Asia Miles is not as valuable.
Citi reward Points benefits and considerations
Citi reward Points do not expire for the lifetime as long as the card remains in good standing, and there is also no Points cap. This is one of the major benefits of the card—with unlimited Points earning at excellent rate for Velocity Points and a relatively decent rate for KrisFlyer and Asia Miles.
The Citi Prestige Card offers a great Points earn rate for a Mastercard, on most eligible spend, to earn Velocity Points.
Other travel benefits of the Citi Prestige credit card
The Citi Prestige Card also offers a number of travel benefits, including Priority Pass(TM) lounge access and 4th night free on hotels.
4th night free benefit at hotels globally
If you are a Citi Prestige cardholder you’ll get a 4th night free at a large number of hotels globally up to 4 times a year—essentially pay for three nights, and get the 4th free of charge.
Priority Pass(TM) Lounge Access
Enjoy complimentary Priority Pass(TM) membership and unlimited airport lounge visits for you and a guest.
Insurances
There is also a range of complimentary insurance:
- Purchase Cover Insurance
- International Travel Insurance
You should read the PDS to assess if these insurances meet your individual needs and have significant value to you.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Citi PayAll
Earn Citi reward Points on larger everyday expenses such as rent, taxes, education fees, property management fees, childcare and miscellaneous bills with Citi PayAll. Offers are subject to eligibility and are only available if your account is in good standing.
Apple Pay, Google Pay and Samsung Pay support
Citi cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments.
Summing up: the Citi Prestige credit card
The Citi Prestige credit card is positioned as a high-end card with a vast array of benefits, and at a cost that is $750 less per year than the most similar card out there, e.g. the American Express Platinum Card.
One of the biggest reasons to hold and use this card is for the good Points earn rates on eligible domestic and international spend, along with a number of good participating Points transfer partners. However, you’ll need to assess if the category bonuses fit your spending habits and will work to your advantage in the long run.
The large sign-up bonus, ability to earn Points quickly with no Points cap and complimentary unlimited Priority Pass(TM) lounge access are all solid benefits too.
There is a place in the market for this high-end Mastercard as a less expensive alternative to the American Express offering.
The Citi Prestige credit card is not for everyone but it could work for high spenders, especially those who spend internationally or direct a lot of their spend into the bonus categories.
Important information
National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Citi branded financial and credit products. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to provide transitional services.
Our/us/we means NAB unless the context otherwise requires it.
“Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.
Who wrote this article?
Daniel lives and breathes loyalty programs, and has spent over two decades researching the best ways to earn and redeem loyalty points for maximum value. He travels for both business and leisure and is a frequent traveller to Europe and the US. In his downtime, he enjoys CrossFit, hitting the beach and playing tennis.
Point Hacks Credit Card Information
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