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Note: Citibank’s retail business in India has been acquired by Axis Bank. It is unlikely that you will be able to sign-up for Citibank credit cards any more.
| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | -32.4%^ | -15.6%^ | -7.3%^ | -2.2%^ | -0.6%^ |
| Est. Monthly Reward (₹) | (1,625) | (1,565) | (1,455) | (1,120) | (555) |
| All-India Rewards Rank* | 382 | 382 | 382 | 382 | 382 |
| Within Bank Rank* | 8 | 8 | 8 | 8 | 8 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Citi Prestige Credit Card gives 2% effective reward on foreign spending and 1% for all other spending.
The Prestige Credit Card has a very high annual fee of ₹20,000, because of which we do not see positive net reward yield with this card even at monthly spending level of ₹1 lacs+.
The Citi Cash Back Credit Card is the best credit card from Citibank India, if you spend less than ₹50,000 on your card each month.
You can earn a net reward yield of 0.9-1.2% on all your spend with this card.
Go for the Citi PremierMiles Credit Card if you spend more than ₹50,000 a month on the card. The PremierMiles gives you a net reward yield of 1.5-1.9% on your total spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Citi Prestige Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 2 Reward Points / ₹ 100 on Foreign spends
1 Reward Point / ₹ 100 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | – 4 Complimentary Golf Rounds & Golf Lessons / Year
– Complimentary Priority Pass Lounge access – Complimentary Taj Epicure Plus plan and InnerCircle Silver membership |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Reward can be converted to vouchers
1 RP = ₹ 1 |
| Card | Citi Prestige Credit Card | |
|---|---|---|
| Joining Fee | ₹20,000 + Taxes | |
| Annual Fee | ₹20,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | ₹25 Lacs p.a. |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 45.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.00% with a minimum of ₹300 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
