Citibank
Citi Prestige Credit Card
The Citi Prestige Credit Card is a rewards credit card from Citibank. It has an annual fee of AED 1,575, and needs a minimum salary of AED 30,000 a month.
Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 30,000/mo
Rewards in
Citi ThankYou Points
Material
Plastic
Card highlights
- Earn 3 ThankYou Points per USD on non-AED spend, 2 on general AED spend including groceries and fuel
- 14 complimentary lounge visits a year (1,200+ lounges via Mastercard Travel Pass), shared with supplementary cardholders and guests
- Complimentary 4th night free at any hotel worldwide, unlimited stays; USD 500K travel accident and medical cover
- Unlimited weekday golf plus 1 weekend round a month; 2 valet visits a month; BOGO cinema at VOX (4/month) and Reel (2/month)
Earn rates
| Category | Rate |
|---|---|
| International spend | 1.81% |
| Travel | 1.2% |
| Retail | 1.2% |
| Supermarket | 1.2% |
| Dining & food | 1.2% |
| Fuel | 1.2% |
| Online shopping | 1.2% |
| Utilities | 0.3% |
| Education | 0.3% |
| Transport | 0.3% |
| Real estate | 0.3% |
1.5 ThankYou Points per USD on spend in European Economic Area currencies, against 3 per USD on other non-AED spend. Citi's EEA list is EUR, BGN, HRK, CZK, DKK, HUF, PLN, RON, SEK, ISK, NOK and CHF. Sterling is not on that list, so UK spend in GBP earns the full non-AED rate. In Perkly's terms that is about 0.9% back, not the international rate shown above.
Current welcome offer
AED 1,000 statement credit as a joining bonus
- Spend AED 15,000 within 60 days of card approval to qualify
- Bill payments through Citibank Online or Citi Mobile do not count towards the spend
- New Citi Credit Card customers only, excludes existing customers, Citi staff, and anyone who closed a Citi card in the last 24 months
- Offer only available when applying directly through the Citi website
Expected offer expiry: January 2027
Benefits & perks
- •4th night free at any hotel worldwide, unlimited stays (new booking in same city requires 7+ days after previous check-out)
- •Airport lounge access at 1,200 lounges worldwide via Mastercard Travel Pass: 14 complimentary visits/year (shared across cardholders and guests)
- •Travel accident cover up to USD 500,000 on international trips (fare must be charged to card)
- •Emergency medical expenses cover up to USD 500,000
- •Lost baggage cover up to USD 3,000
- •Flight or baggage delay cover: USD 500 for delays over 4 hours
- •Purchase protection: up to USD 7,500 per claim and USD 20,000/year for items damaged or stolen within 90 days
- •Complimentary golf: unlimited weekday rounds plus 1 weekend round/month (requires AED 5,000 monthly spend and valid handicap)
- •Marhaba Silver meet and greet at Dubai International Airport: 2 visits/year
- •Airport security fast-track: 3 times/year
- •Cinema buy-one-get-one-free: 4 tickets/month at VOX and 2 tickets/month at Reel
- •4 complimentary Careem airport rides/year, up to AED 84 off each ride
- •2 complimentary Valtrans valet parking visits/month (shared across cardholders)
- •Trip.com: up to 20% off flights and hotels, capped at AED 150, up to 5 times/year (minimum booking AED 750)
- •Booking.com: up to 7% wallet credit via Mastercard
- •Talabat: 20% off 1 grocery or food order/month, up to AED 14
- •Complimentary ID theft protection
- •0% easy instalment plan available
- •Citi PayAll payment facility
- •Cash loan on card
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the Citibank Citi Prestige Credit Card earn?
A Citi Mastercard with an AED 1,575 annual fee, earning 2 ThankYou Points per USD 1 (about 1.2%) on most AED spending including groceries and fuel, 3 per USD 1 (about 1.81%) on spending in other currencies except European Economic Area currencies (1.5), and 0.5 per USD 1 (about 0.3%) on government, utilities, telecom, education, insurance, real estate and transport, with 14 lounge visits a calendar year of which only 2 are available before any non-AED spending.
What does the Citibank Citi Prestige Credit Card cost?
Annual fee AED 1,575 including VAT (AED 1,500 before VAT). No joining fee. Interest is 3.69% a month (44.28% APR) from 1 October 2026, under Citi's July 2026 Key Facts Statement.
What does spending abroad cost on the Citibank Citi Prestige Credit Card?
Perkly records about 4.14% all in for spending in a foreign currency: Citi's 2.99% processing margin on international and foreign currency transactions plus about 1.15% for Mastercard. Spending in currencies other than AED earns 3 ThankYou Points per USD 1, but only 1.5 in European Economic Area currencies (EUR, BGN, HRK, CZK, DKK, HUF, PLN, RON, SEK, ISK, NOK and CHF); pounds sterling are not on that list, so UK spending in GBP earns the full 3.
What should I watch out for with the Citibank Citi Prestige Credit Card?
The welcome bonus is only for new Citi credit card customers who apply or submit a lead directly through the Citi website; Citi's terms say applicants who reach it through a web search advert or any third-party link do not qualify, and Perkly has not confirmed whether an application through Perkly counts. The 3 points per USD 1 is only for spending in currencies other than AED and halves to 1.5 in European Economic Area currencies such as the euro and Swiss franc; at Citi's cash rebate rate it is worth about 1.81%, well below the about 4.14% Perkly records for foreign transaction charges. Government, utilities, telecom, education, insurance, real estate and transport earn only 0.5 points per USD 1, and utility bills paid through Citibank's own channels earn nothing.
More from Citibank
Citi Premier Credit Card
- Earn 3 ThankYou Points per USD on dining, fuel and groceries; 2 on non-AED spend
- 14 complimentary lounge visits a year across 1,200+ lounges via Mastercard Travel Pass
Updated October 2026