Citi Prestige Card
Earn 1.3 miles per dollar on local spend and 2 miles per dollar on foreign currency spend
Unlimited Priority Pass visits + one guest per membership year
Citi Prestige Card Overview:
The Citi Prestige card is a higher-tier premium credit card that rewards your lifestyle and banking relationship. You can earn up to 2 miles (5 Citi ThankYou Points) per dollar. You can also access exclusive benefits such as complimentary night stay, unlimited airport lounge access, complimentary golf games, and four hands dining experiences. Plus, you can get global service, inspiring travel, and privileged access with the Citi Prestige Concierge and global events. It is one of the top cards in my comparison chart amongst the $120K credit card range.
Local Earn Rate | 1.3 miles per dollar |
Foreign Currency Earn Rate | 2 miles per dollar |
Foreign Currency Fees | 3.25% |
Min. Miles Transfer | 25,000 TY points (10,000 miles) |
Transfer Fee | S$27.25 (including 9% GST) |
Points Pooling | No |
Lounge Access | Yes |
Airport Limo | Yes |
Point Expiry | No Expiry |
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$120,000 (locals/PRs & foreigners)
- Don’t worry if you income is below this threshold, you can possibly go to the branch and get a secured credit card, with a deposit of at least S$15,000.
- Non-Waivable Annual Fee: S$545
Key Benefits:
- Earn 2 miles per dollar (5 Citi ThankYou Points) with every S$1 spent overseas
- Earn 1.3 miles per dollar (3.25 Citi ThankYou Points) with every S$1 spent locally
- Points earned has no cap and no expiry
- Take advantage of exclusive travel and dining offers with Mastercard World Elite
Best For 1 Free Night Hotel Stay
- With a minimum consecutive four (4) night stay at any hotel or resort
Conditions:
- The Principal cardmember must be one of the guests staying at the hotel
- Must be fully paid (100% prepaid) for the entire stay
- Must book through Citi Prestige Concierge or Citi Prestige Digital Concierge
- Restrictions:
- Consecutive stays won’t be accepted (Consecutive stays are known as back-to-back stay in the same city and hotel; in a separate hotel inside the same city).
- The following stays will not qualify for this benefit:
- Full and Half board room stays
- Single and multi-room suites
- Home & Farm Stays
- Serviced apartments
- Villas
- Packaged stay and member rates, such as air and hotel, hotel and car rental, hotel and meals bundled promotions
Enjoy Six Complimentary Golf Games:
- There is a six (6) complimentary green fee rounds at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China. This is only applicable to the principal cardholder, all other guest shall pay the necessary fees.
- This is valid until 31 December 2024
- All booking must be made through this booking link
- Cardholders must use their Citi Prestige card during booking/registration process
Local Golf Clubs | Sentosa Golf Club^(Valid on weekdays only) | Three (3) complimentary weekday or weekend green fee rounds Minimum golfers per flight may be required by the golf clubs |
Keppel Club,Seletar Country Club(Valid on weekdays only) | ||
Sembawang Country Club | ||
Note: Sembawang Country Club will undergo renovations in October 2024. During renovation, 9 holes will be available for playing and a booking will consist of 2 rounds of the 9 holes. | ||
Regional Golf Clubs | Forest City Golf Resort | Three (3) complimentary weekday or weekend green fee rounds No accompanying paying guest per cardholder required Minimum golfers per flight may be required by the golf clubs |
Mission Hills Golf Club* | ||
Dongguan Hillview Golf Club | ||
Horizon Hills Golf & Country Club | ||
Tropicana Golf & Country Resort | ||
Glenmarie Golf & Country Club | ||
Ria Bintan Golf Club | ||
Klub Golf Sukajadi | ||
^There is a requirement of one (1) minimum accompanying paying guest per cardholder for Sentosa Golf Club. No accompanying paying guest is required for Sembawang Country Club and Regional Golf Clubs. *Mission Hills Golf Club requires a minimum one-night stay for every tee time booking | ||
Enjoy Unlimited Lounge Access For You and Your Guest:
- Primary cardholders and one (1) guest are entitled to unlimited complimentary access to hundreds of Priority Pass airport lounges
Enjoy Two Complimentary To-And-From Airport Limousine Transfers Per Quarter:
- Just spend minimum S$12,000 spend within the same quarter.
- You can achieve the spending with Citi PayAll too!
1st Quarter | From 1 January to 31 March 2024 |
2nd Quarter | From 1 April to 30 June 2024 |
3rd Quarter | From 1 July to 30 September 2024 |
4th Quarter | From 1 October to 31 December 2024 |
- So if you spent S$12,000 on January 4, 2024, you are entitled to 2 complimentary airport transport which you can avail until March 31, 2024
Enjoy Complimentary Travel Insurance of up to S$1,000,000:
- Just charge your full travel fares to your Citi Prestige card. It covers Personal and Accident Benefits, Overseas Medical Benefits, Travel Inconvenience Benefits, etc
Enjoy Haute Dining Experience:
- Offer is available only when payment is charged on your Citi Prestige card, full payment is required
- Advance bookings can be made through a link on the Citi Prestige website, which redirects to a third-party site
- Bookings are on a first-come, first-served basis.
- Payments are non-refundable if canceled by the cardholder
Enjoy 3-month upgrade to the Marina Bay Sands “Sands Lifestyle Prestige Tier” program
- All Citi Prestige cardmembers can receive 3 months of Prestige Tier. Those who spend at least S$1,500 during this period will automatically enjoy an additional 9 months at the Prestige Tier.
Make use of the Global Service Feature to get assistance anywhere in the world
- Get assistance with travel, entertainment, and daily tasks like deliveries via Citi Prestige Hotline
- Available 24/7 and from anywhere in the world (call 6337-2484 for assistance)
- Citi Prestige Digital Concierge
- Utilize your Citi Mobile® App to enjoy hassle-free access to your privileges and receive confirmation on your hotel, limo and golf bookings.
Citi PayAll:
- If you are wanting to use miles for business class flights, Citi PayAll could be a way to buy “Citi miles” when you pay for insurance, education, rent, utilities, mortgage, MCST fees etc., but it is subject to 2.2% service fee. It is not worth it during normal times, but when Citi PayAll has a promotion, it could be a time where we stock up on miles. Promotions are case-by-case basis and I will update it in my telegram channel when there is a good deal.
Below is the monthly spending cap which you can spend on Citi PayAll which could be helpful for hitting spending requirements for the free quarterly limousine transfers:
| Category | Monthly Cap |
|---|---|
| Insurance | S$200,000 |
| Education | S$100,000 |
| Rent | S$30,000 |
| Electricity Bills | S$30,000 |
| Utilities | S$30,000 |
Citi Relationship Bonus
- With Citi, there is an additional relationship bonus that puts a multiplier to your earn rate when you hold a Citibank account.
Here’s how it works:
Tenure with Citi Singapore | 0-5 years | 6-10 years | >10 years |
With Citigold / Citigold Private Client relationship | 15% | 20% | 30% |
Without Citigold / Citigold Private Client relationship | 5% | 10% | 15% |
Even with an account like Citi Interest Booster Account, you can get a 5% relationship bonus rate from Year 0.
Here is an example of how the relationship bonus rate is calculated:
- Assuming you’re a Citigold client who’s been banking with Citibank for 6 years, your Relationship Bonus rate will be set at 20%. This means that you’ll receive 20% bonus ThankYou Points based on your total card spend per year.
- For example, if you spend S$15,000 locally per year, you’ll earn 3,000 bonus Citi ThankYou Points (20% of S$15,000). Now, at an earn rate 3.25 ThankYou points per dollar for local spending, that’s 48,750 ThankYou Points (3.25 x S$15,000). In total, you would’ve accumulated 51,750 ThankYou Points on your Citi Prestige Card. Your effective miles earn rate would be 3.45 ThankYou Points per dollar, which is 1.38 miles per dollar. At the maximum of 30% relationship bonus, your effective miles earn rate would be 1.42 miles per dollar.
Exclusion List:
MCC | Description |
6529 | Quasi Cash – Remote Stored Value Load – Financial Institute |
6530 | Quasi Cash – Remote Stored Value Load – Merchant |
6534 | Quasi Cash – Money Transfer – Member Financial Institution |
6540 | Non-Financial Institutions – Stored Value Card Purchase/Load |
7349 | Cleaning and Maintenance, Janitorial Services |
7511 | Quasi Cash – Truck Stop Transactions |
7523 | Parking Lots, Parking Meters and Garages |
7800 | Government-Owned Lotteries (US Region only) |
7995 | Betting, including Lottery Tickets, Casino Gaming Chips, OffTrack Betting, and Wagers at Race Tracks |
4829 | Wire Transfer Money Orders (WTMOs) |
4900 | Utilities – Electric, Gas, Water, and Sanitary |
5199 | Nondurable Goods(Not Elsewhere Classified) |
5960 | Direct Marketing – Insurance Services |
6012 | Financial Institutions – Merchandise, Services, and Debt Repayment |
6050 | Quasi Cash – Financial institutions, Merchandise, Services |
6051 | Non-Financial Institutions – Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card/Load, Travelers Cheques, and Debt Repayment |
6211 | Securities – Brokers and Dealers |
6300 | Insurance Sales, Underwriting and Premiums |
6513 | Real Estate Agents and Managers – Rentals |
8211 | Elementary and Secondary Schools |
8220 | Colleges, Junior Colleges, Universities, and Professional Schools |
8241 | Correspondence Schools |
8244 | Business and Secretarial Schools |
8249 | Vocational and Trade Schools |
8299 | Schools and Educational Services(Not Elsewhere Classified) |
8398 | Charitable and Social Service Organizations |
8062 | Hospitals |
8651 | Political Organizations |
8661 | Religious Organizations |
9211 | Court Costs Including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payments |
9399 | Government Services(Not Elsewhere Classified) |
9402 | Postal Services – Government Only |
9405 | U.S. Federal Government Agencies or Departments |
9754 | Quasi Cash – Gambling – Horse Racing, Dog Racing, State Lotteries |
5993 | Cigar Stores and Stands |
Advantages:
- ThankYou Points do not expire
- No maximum spending cap
- Can be a sustainable long-term miles card if you use the benefits significantly to offset the considerable amount of annual fee
- Has a wide array of perks and privileges
Disadvantages:
- High S$12,000 minimum spend for limo services to/from the airport
- Points does not pool with other Citi credit cards as well. (Pooling means that if you have points on another Citi credit card, you can consolidate them for you to redeem all the points). However, in this case, since it does not allow pooling, you’ll need to make 2 separate redemptions therefore paying 2 separate transfer fee as well.
- Has a higher annual income requirement than general entry level credit cards, may not be easy to get approved.
Here is the list of their current transfer partners:
Transfer Partner | Conversion Ratio |
Krisflyer | 25,000:10,000 |
Flying Blue | 25,000:10,000 |
British Airways | 25,000:10,000 |
Thai Airways Royal Orchid Plus | 25,000:10,000 |
Etihad | 25,000:10,000 |
Asia Miles | 25,000:10,000 |
EVA Air | 25,000:10,000 |
Qantas | 25,000:10,000 |
Qatar Airways | 25,000:10,000 |
Turkish Airlines | 25,000:10,000 |
IHG Rewards | 25,000:10,000 |
- When is the miles credited:
This usually credits when the transaction posted, usually takes 24 hrs, or in some, it could take 2-3 days.
- How is my miles calculated?:
Citi Prestige ThankYou points are given for every S$1 spent
Let’s say your transaction amount is S$25 (S$25 x 1.3 mpd = 32.5 miles)
- Where do I redeem:
There are two options: you can redeem for miles or cashback
- For miles, you may refer to this TikTok video that I did – the process is the same but choose the Citi Prestige Card for redemption
- For cashback, you can use the Cash Rebate SMS service to redeem your available Rewards. Just send an SMS to 72484: RWDS Last 4 digits of your card number.
Rebate | Points | Keyword |
S$10 | 4,400 points | CASH10 |
S$20 | 8,800 points | CASH20 |
S$50 | 22,000 points | CASH50 |
Complimentary Night Stay, Golf Privilege, and Airport Transfers Terms and Conditions can be found here
Haute Dining Terms and Conditions
Sands Lifestyle Member Upgrade
Final Thoughts:
- The Citi Prestige card offers unlimited lounge access for you and a guest. This is perfect for frequent travelers who want to relax in comfort during layovers or before boarding.
- You also get more choices for your rewards. Citi Prestige has a wide range of airline and hotel partners, so you have greater flexibility to use your miles for the partners that give the best value.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
