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Card Issuers
Explore cards from India's leading banks.
Free to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1.5x Citi ThankYou Points on eligible spends (convertible to miles)
Earn 1.5x ThankYou points on all eligible purchases. Points can be converted to airline miles at 1:1 ratio. No cashback; rewards are points/miles.
The privileges that come bundled in, beyond the reward points.
2 complimentary airport lounge accesses per year
25% off on select dining offers
No forex markup on international spends
Complimentary travel insurance
Concierge services
An honest read on where this card earns its keep — and where it doesn't.
No forex markup on international spends
Strong travel benefits and lounge access
Premium concierge services
High annual fee (₹20,000 + GST)
Limited cashback; rewards are points/miles only
Lounge access limited to 2 per year
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with the issuer before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of the issuer are often approved on slightly lower scores.
Everything you need to know about Citi Prestige Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for Citi Prestige Credit Card is nominal, and the annual renewal fee is ₹20000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for Citi Prestige Credit Card from the issuing bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
Citi Prestige Credit Card is designed to reward everyday spends. It currently features: "No standard introductory cashback offer; benefits include 2 complimentary airport lounge accesses per year and 25% off on select dining offers (as per current marketing)". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via the issuing bank's rewards portal.
Yes, Citi Prestige Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for Citi Prestige Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
