Citibank Prestige Credit Card
A premium credit card by Citibank earning up to 3 points/USD on international spend and 2 points/USD on dining.
AED 1,575.00
Up to 3 pts/USD
AED 30,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 20,000+ monthly on international travel, dining, and groceries regularly.
Not ideal if
You mainly spend domestically or rarely use premium travel and lifestyle perks.
Watch out for
AED 1,575 annual fee is not waivable and requires high usage to justify.
Calculate This Card’s Value
Earning Rates
3 pts/USD
2 pts/USD
0.5 pts/USD
2 pts/USD
2 pts/USD
0.5 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
3 points per USD on international spend with no cap.
2 points per USD on dining and groceries with no cap.
AED 600 welcome bonus after spending AED 15,000 in 60 days.
Premium perks include hotel fourth night free, lounge access, and golf.
Watch out for
AED 1,575 annual fee is not waivable regardless of spend.
Requires AED 30,000 minimum monthly salary to qualify.
Low earn rate of 0.5 points per USD on education and utilities.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is worth it if you spend heavily on international travel, dining, and groceries, and regularly use perks like hotel fourth night free, lounge access, and golf. If you don't use these benefits, the fee will likely exceed your rewards.
What is the welcome bonus?
You receive an AED 600 statement credit after spending AED 15,000 within the first 60 days of card membership.
How many points do I earn on international purchases?
You earn 3 points per USD spent on international transactions, with no monthly or annual cap.
Can I use this card abroad?
Yes, the card works internationally and earns 3 points per USD on foreign spend. The foreign exchange markup is 3.14%, which is standard for UAE credit cards.
Does this card earn points on school or university fees?
Yes, education spending earns 0.5 points per USD, which is lower than the rates for international, dining, groceries, and general spend.