Citi Prestige Credit Card 2025
Save up to ₹1,50,000+ every year with unlimited lounges, Taj/ITC stays, best-in-class airmiles & luxury perks!
If you travel internationally or love 5-star stays, the Citi Prestige Credit Card is still one of the most powerful ultra-premium cards in India in 2025!
You get unlimited airport lounge access worldwide (self + 1 guest), Taj Epicure + ITC Culinaire membership with ₹10,000+ vouchers, 1:2 transfer ratio to 15+ airline/hotel partners (best in India), 2.5% forex markup, 4th night free on hotel bookings, Priority Pass for guests, golf privileges, and ₹20,000 annual fee offset by benefits worth ₹1L+ easily.
Perfect metal card for frequent flyers and luxury travellers.
Why This Is The Best Ultra-Premium Card in 2025?
Unlimited lounge (self+guest) • Taj/ITC ₹10K vouchers • 1:2 airmiles • 2.5% forex • 4th night free • Golf • Metal card
Best for: International travellers, luxury hotel lovers, frequent flyers, high spenders
Current Offer – ₹10,000 Taj/ITC Vouchers + Unlimited Lounge Instantly
Card At a Glance
₹20,000 + GST
₹20,000 + GST
2 Points/₹100 domestic | 3 intl
ThankYou Points (1:2 AirMiles)
Nil
Airlines/Hotels/Vouchers
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹20,000 + GST |
| Annual Fee | ₹20,000 + GST (from 2nd year) |
| Welcome Benefit | Taj/ITC ₹10,000+ vouchers |
| Rewards Redemption Fee | Nil |
| Foreign Currency Markup | 2.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | Not applicable |
| Cash Advance Fee | 2% or ₹500 |
Detailed Reward Rates (2025)
- 2 TY Points per ₹100 domestic spends
- 3 TY Points per ₹100 international spends
- Transfer 1:2 to Air India, Vistara, Etihad, Qatar, Flying Blue, Accor, ITC, Taj etc.
- 4th night free on any hotel booking (up to 2 times/year)
- Renewal: ₹10,000 Taj/ITC vouchers
Airport Lounge Access
Unlimited lounge access worldwide for primary + 1 guest via Priority Pass + unlimited domestic lounges
Insurance & Protection Benefits
- ₹5 Crore air accident cover
- ₹50 Lakh medical overseas cover
- Purchase protection & extended warranty
- Complimentary golf rounds
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounge (self + guest) | ₹20,000 high annual fee |
| Best 1:2 airmiles transfer ratio | No fuel waiver |
| Taj/ITC ₹10K+ vouchers yearly | Reward rate low for domestic spend |
| 2.5% forex + 4th night free | Citi network smaller than Axis/HDFC |
| Metal card + concierge |
Eligibility Criteria & Documents Required
- Age: 21–70 years
- Minimum Income: ₹25 Lakh+ p.a.
- Credit Score: 780+
- Documents: PAN, Aadhaar, last 3 months salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Citi India website → Credit Cards → Prestige
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 10–15 days
Final Verdict – Should You Get It in 2025?
If you fly or stay in luxury hotels 4–5 times a year, Citi Prestige still beats every card in India with unlimited lounge + Taj/ITC vouchers + best airmiles ratio. ₹20K fee is easily recovered in first month itself. Still the king of luxury cards!
Frequently Asked Questions (FAQs)
Is lounge really unlimited?
Yes, unlimited for cardholder + 1 guest worldwide.
Taj/ITC vouchers every year?
Yes, ₹10,000+ on joining and every renewal.
Best transfer partners?
1:2 to Air India, Vistara, Etihad, Qatar, Accor, ITC, Taj.
Any 4th night free limit?
Up to 2 times per year, any hotel, any price.