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    Citi Prestige Card Review

    The Citi Prestige Card is a rewards credit card offered by Citi. This credit card rewards cardholders on their local and overseas purchases in Citi Dollars.

    For every S$1 spent overseas, the cardholder will earn 5 Citi Dollars and

    For every S$1 spent locally, the cardholder will earn 3.25 Citi Dollars.

    Card members also have the option to convert their Citi Dollars to miles, where:

    5 Citi Dollars = 2 Miles and;

    3.25 Citi Dollars = 1.3 Miles.

    Upon application and payment of your first year annual fee, you could be entitled to receive joining benefits in the form of Citi Dollars or a gift.


    • The card comes with a renewal bonus annually. Paying the annual fee each year will enable cardholders receive 62,500 Citi Dollars (which can be converted to 25,000 miles) with every renewal.
    • Supplementary cards are free for life and can be easily acquired at no additional cost.


    • Unlimited airport lounge access to hundreds of exclusive airport lounges across the globe with Priority Pass. No additional membership or lounge pass fee required.
    • 24-Hour concierge service to assist you making hotel bookings, travel reservations, dining reservations and more.
    • Book a minimum stay of 4 nights at any hotel and get a complimentary extension of 1 night. Cardholders must make use of the Citi Concierge Service to access this offer.
    • The card allows cardholders to pay the outstanding balance on the card by scheduling automatic deductions from their bank accounts every month.
    • Complimentary one-way airport limousine transfers up to 8 times a year. Limited to 4 limousine transfers in a calendar quarter for principal cardmembers only. Cardmembers can enjoy this benefit if they spend an equivalent of S$1,500 in foreign currency on retail transactions per calendar quarter.
    • Enjoy golfing privileges with up to six (6) complimentary green fee rounds at participating golf clubs per calendar year. Benefits can be obtained using the Citi Prestige Concierge Service.
    • Under the exclusive Club21 benefit, card members can earn 10 Citi Dollarss with every S$1 spent at Club21 boutiques. This offer includes only participating boutiques.
    • In the event that a card member loses their credit card overseas, Citi will issue them with a replacement card generally within 48 hours anywhere in the world. The bank will also provide emergency cash depending on the available credit limit.

    Joining perks/benefits of Citi Prestige Card

    Apply for the Citi Prestige Card and choose between the following welcome gifts:

    • 62,500 Citi Dollars (= 25,000 miles) OR
    • Tablet worth S$498

    Note that the annual fee for this credit card is non-waivable.

    Other terms:

    • You must meet the minimum annual income criterion of S$120,000.
    • Upon choosing your welcome gift, you will not be permitted to change your selection.
    • You will receive your welcome gift within a period of 6 weeks from your annual fee payment date.

    Rewards Program

    • The card earns Citi Dollars on every eligible expense charged to the card. The Citi Dollars that can be earned are unlimited and does not come with any cap.
    • Citi Dollars can be redeemed either as cash rebates or miles, and can even be redeemed instantly at select merchant outlets in Singapore and overseas.
    • Cardholders get an additional annual bonus (in the form Citi Dollars based on retail card purchases made annually) depending on the relationship they share with the bank. For Citigold or Citigold Private Clients, the annual relationship bonus given is 15% if they complete a tenure of 0 to 5 years, 20% if they complete tenures of 6 to 10 years, and a 30% bonus if they complete a tenure of over 10 years.

    Insurance Benefits

    • When cardholders charge the complete cost of the air tickets to their card, they will receive complimentary travel insurance with a cover of up to S$1 million for themselves and up to S$50,000 for their dependent child.
    • The policy also offers a host of medical benefits that covers the cardholder under various circumstances while travelling overseas. Cardholders can get reimbursement of medical expenses (pre-listed events/conditions) for up to S$50,000 and reimbursement of up to S$25,000 for any dependent child travelling with them. The policy also gives them S$100,000 cover in case of emergency medical evacuations and S$50,000 for repatriation.
    • Travel inconveniences such as baggage delay, baggage loss, missed flight, delayed flight, etc. are also insured.
    • The card also offers purchase protection for items purchased using this Citi card in case of accidental damage and/or theft within a period of 30 days from the purchase date.

    Annual Fees and Other Charges

    Type of fee Amount
    Annual fee S$535
    Supplementary card fee Free for life
    Interest rate 26.9% p.a.
    Late payment charges S$100
    Cash advance fee The higher of 6% of the withdrawn amount OR S$15
    Interest on cash advance 26.9% p.a.
    Overlimit fee S$40

    Foreign Currencies Transactions Charges

    The card charges a fee for transactions carried out in foreign currencies. For transactions carried out in US dollar (USD), the amount is converted directly into Singapore dollar (SGD). For transactions carried out in any other foreign currency, it is first converted into USD and then into SGD.

    • Conversions are subject to a foreign exchange rate. This rate is the prevailing exchange rate at the time of posting of the transaction which is not necessarily the same as the date of transaction. Transactions on the Citi Prestige Card are charged by MasterCard and an administrative fee of up to 2.8% will hold applicable.
    • For transactions made using DCC or Dynamic Currency Conversion, the transaction amount is subject to a conversion fee charged by the ATM or merchant at the rate of of 1% charged on the converted Singapore Dollar amount by MasterCard.
    • An administrative fee of 1% is charged by MasterCard on those transactions that are carried out in Singaporean Dollars but made overseas.

    How to Apply?

    Interested applicants can apply for the Citi Prestige Card directly on Bankbazaar.sg easily by providing the necessary personal and financial details.

    Eligibility Criteria

    • The card can be applied for by Singaporean citizens, Permanent Residents and foreign nationals.
    • The minimum age of the principal cardholder is 21 years and the supplementary cardholder must be 18 years old.
    • The minimum annual income required to be eligible for this card is S$120,000.

    Documents Required to Apply

    For salaried employees:

    • A copy of the applicant’s NRIC – both front and back and
    • A copy of the applicant’s most recent computerised payslip or
    • A copy of the applicant’s most recent Income Tax Notice of Assessment (NOA) or
    • A copy of the applicant’s CPF statement for the most recent 12 months

    For self-employed applicants:

    • A copy of the applicant’s NRIC – both front and back and
    • A copy of the applicant’s Income Tax NOA for the last 2 years and
    • A copy of the applicant’s bank statements for the last 3 months

    For foreign applicants:

    • A copy of the applicant’s Passport, both front and back, along with their Work Permit and
    • A copy of the applicant’s telephone bill, utility bill, or/bank statement to serve as residential address proof containing their name and address and
    • A copy of the applicant’s most recent Income Tax NOA and
    • A copy of the applicant’s most recent computerised salary slip

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