Citibank Prestige Credit Card
A premium credit card by Citibank earning 3 points per USD internationally and 2 points per USD on dining and groceries.
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 or more monthly on international travel, dining, and groceries.
Not ideal if
You prefer cashback over points or rarely use premium travel perks.
Watch out for
Non-waivable AED 1,575 annual fee requires high spend and perk 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.
Premium perks include hotel fourth night free, lounge access, and airport transfers.
AED 600 welcome bonus after spending AED 15,000 in 60 days.
Watch out for
AED 1,575 annual fee is non-waivable regardless of spend.
3.14% foreign exchange markup on international transactions.
AED 30,000 minimum monthly salary restricts eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the AED 1,575 annual fee worth it?
It depends on your spend and perk usage. If you spend AED 20,000 or more monthly on international travel, dining, and groceries, and use perks like hotel fourth night free and lounge access, the fee can be justified. The AED 600 welcome bonus helps offset the first year's cost.
How many points do I earn on international spending?
You earn 3 points per USD spent internationally. Dining and groceries earn 2 points per USD, while education and utilities earn 0.5 points per USD. All other spending earns 2 points per USD.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 30,000 to qualify for the Citibank Prestige Credit Card.
Can I use this card abroad without extra charges?
You can use the card abroad, but a 3.14% foreign exchange markup applies to international transactions. The strong 3 points per USD earn rate on international spend can help offset this cost if you redeem points well.
How does the welcome bonus work?
You receive an AED 600 statement credit after spending AED 15,000 within the first 60 days of card membership.