Citi Prestige Credit Card review
Cardholders earn 3 ThankYou Points for every USD 1 spent abroad and 2 points per USD 1 on local AED purchases, with earn calculated in USD at 1 AED = 0.271 USD. Rates soften in some cases: EEA-currency spend earns half the non-AED rate, and AED spend on categories such as government services, utilities, telecom and education earns only a quarter of the local rate. Points can be cashed out at 45 to AED 1, redeemed for travel rebates at a stronger 30-to-AED-1 value, or transferred 1:1 to 11 airline and hotel partners.
Where the Prestige stands apart is its travel and lifestyle package. The unlimited fourth-night-free hotel benefit can offset the annual fee on its own, while 1,200 lounges worldwide stay open to both the primary and supplementary cardholder with a guest each. Add unlimited weekday golf, six buy-one-get-one cinema tickets monthly, twice-yearly Marhaba fast-track at Dubai International and 10,000 bonus points on each fee payment, and the card leans firmly toward high spenders who travel often.
The trade-off is cost. At AED 1,500 plus VAT with no published waiver and a 42% APR on revolved balances, this is a card that rewards those who pay in full and travel enough to extract its perks.
Card details
| Bank | Citibank |
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| Card type | Premium |
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| Card network | Mastercard |
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| Minimum salary | AED 30,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | No waiver is published: the fee is AED 1,500 plus 5% VAT, though 10,000 bonus ThankYou Points are credited each year once the annual fee is paid. |
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| Interest (monthly) | 3.50% |
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| Reward type | Citi ThankYou Points |
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| Reward rate | Collect 3 ThankYou Points for every USD 1 of non-AED international spend and 2 ThankYou Points for every USD 1 of AED local spend, with earn calculated in USD at a rate of 1 AED = 0.271 USD.Purchases in EEA currencies earn only 50% of the non-AED rate, while AED spend on Government Services, Utilities, Telecom, Education, Insurance, Real Estate, Transit and Transport earns just 25% of the AED rate. No points accrue on utility bill payments via Citibank channels, spend above the credit limit, bank fees, cash advances, balance transfers, exchange-house FX purchases, Citi insurance products, securities purchases, UAE Direct Debit transactions, 0% EPP conversions or business/third-party use. No cap is stated; points accrue only on eligible spend made within the credit limit during each statement cycle. Redeem as a cash rebate at 45 ThankYou Points to AED 1 (minimum 900 points), or use 15,000 ThankYou Points for an AED 500 rebate on travel purchases; Fly with Points works on any airline and points transfer 1:1 to 11 airline and hotel partners. Points carry no stated expiry while the card stays open and in good standing, but are forfeited on card closure, arrears or death. |
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| Welcome bonus | New Citi credit card customers applying directly through the Citi website receive an AED 600 joining bonus as a statement credit after spending at least AED 15,000 within 60 days.New Citi Credit Card customers only | Apply directly through Citi website | Spend AED 15,000 within 60 days | Bonus paid as statement credit |
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| Lounge access | Both the primary and supplementary cardholder can visit 1,200 airport lounges worldwide with one free guest each per visit, up to 14 visits a year subject to non-AED spend. |
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| Quick cash | A Loan on Card cash loan is available; the cash advance fee is 3% (minimum AED 99, maximum AED 250). |
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| Balance transfer | Balance Transfer on Card is offered with a processing fee of up to 6% of the transferred amount. |
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| Instalment plan | An Easy Installment Plan carries a processing fee of up to 4% and a 1% early settlement fee on the remaining balance; 0% EPP transactions earn no points. |
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Welcome bonus: New Citi credit card customers applying directly through the Citi website receive an AED 600 joining bonus as a statement credit after spending at least AED 15,000 within 60 days.
Terms: New Citi Credit Card customers only | Apply directly through Citi website | Spend AED 15,000 within 60 days | Bonus paid as statement credit
Citi Prestige Credit Card benefits
✓Unlimited 4th night free at any hotel worldwide
✓Unlimited weekday golf plus one free weekend round each month
✓6 buy-one-get-one movie tickets monthly (4 VOX, 2 Reel)
✓4 Careem airport rides a year worth up to AED 84 each
✓Twice-yearly Marhaba meet-and-greet with fast-track at Dubai International
✓2 valet parking sessions monthly at selected Valtrans sites
✓10,000 bonus ThankYou Points credited yearly on fee payment
✓20% Talabat discount up to AED 14 once a month
Offers and payment options
Quick cashA Loan on Card cash loan is available; the cash advance fee is 3% (minimum AED 99, maximum AED 250).
Balance transferBalance Transfer on Card is offered with a processing fee of up to 6% of the transferred amount.
Instalment planAn Easy Installment Plan carries a processing fee of up to 4% and a 1% early settlement fee on the remaining balance; 0% EPP transactions earn no points.
Citi Prestige Credit Card fees & charges
| Annual percentage rate (APR) | 42.00% current until 30 Sep 2026; 44.28% effective 01 Oct 2026 |
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| Cash advance fee | 3% of cash advance amount or AED 99 whichever is higher, max charge AED 250 |
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| Late payment fee | 241.50 |
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| Over-limit fee | 261.45 |
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| Foreign currency fee | 2.99 |
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| Minimum payment | Higher of AED 100 or 2.74% of current balance |
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| Interest-free period | up to 52 days (min 21) |
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| Card replacement fee | 52.50 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits frequent travellers earning AED 30,000 or more who can make full use of the unlimited fourth-night-free stays and wide lounge access.
What works well
- ✓Unlimited 4th-night-free hotel benefit
- ✓Generous lounge access covering guests and supplementary cardholders
- ✓Flexible ThankYou Points with 1:1 partner transfers and a better travel rebate rate of 30 points to AED 1
What to weigh up
- −AED 1,500 plus VAT annual fee with no waiver
- −42% APR on revolved balances
- −AED spend on utilities, government, telecom and similar categories earns only 25% of the local rate
Citi Prestige Credit Card eligibility
Requires a minimum income of AED 30,000 per month; open to UAE nationals or residents aged 18 to 64 at application.
▤Emirates ID▤Passport▤Valid UAE visa copy▤Salary account IBAN
Citi Prestige Credit Card FAQs
Requires a minimum income of AED 30,000 per month; open to UAE nationals or residents aged 18 to 64 at application.
The listed annual fee is AED 1,575. No waiver is published: the fee is AED 1,500 plus 5% VAT, though 10,000 bonus ThankYou Points are credited each year once the annual fee is paid.
Collect 3 ThankYou Points for every USD 1 of non-AED international spend and 2 ThankYou Points for every USD 1 of AED local spend, with earn calculated in USD at a rate of 1 AED = 0.271 USD.
This card suits frequent travellers earning AED 30,000 or more who can make full use of the unlimited fourth-night-free stays and wide lounge access.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
