Citi Prestige Card

No longer offered in the market

The Citi Prestige credit card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.
You can compare the current range of Citi credit cards here.


Bonus points

21.49% p.a.

Purchase rate


Reward point

Per $ spent (Visa/Mastercard)

$700 p.a.

Annual fee


Product NameCiti Prestige Card - DISCONTINUED
Rewards ProgramCiti Rewards Program
Balance transfer rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (22.24% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)21.49% p.a.
Annual fee$700 p.a.
Interest Free Period44 days
Cash Advance Rate22.24% p.a.
Minimum Credit Limit$30,000
Maximum Credit Limit$100,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$150,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo


  • Receive 150,000 bonus points when you spend at least $5,000 in the first 90 days.
  • Unlimited airport lounge access through Priority Pass
  • Complimentary hotel stays and airport transfer service


  • The $700 annual fee and 21.49% p.a. purchase interest rate are very high, even for a premium card.
  • There are only 44 days interest-free on purchases as opposed to most cards that offer up to 55 days.
Rewards ProgramCiti Rewards Program
Bonus Points150,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1
Annual fee$700 p.a.
Minimum Monthly Repayment2% of the closing balance or $30, whichever is greater
Late Payment Fee$30
Foreign Currency Conversion Fee (Visa/Mastercard)3.4% of transaction value
Cash Advance Fee3.5% or $3.50, whichever is greater
Overseas Cash Advance Fee$5
Additional Cardholder Fee$0
Number of Additional Cardholders4

How to apply

If you meet the eligibility requirements and have all your documents and details ready, you can apply for the Citi Prestige online in around 15 minutes.

Eligibility criteria

  • Minimum income. You must earn more than $150,000 per year to apply for this card.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Earn rates. The Citi Prestige earns 3 Points per $1 spent for all eligible international spend, 3 Points per $1 spent for selected domestic purchases made and booked directly from a range of major restaurants, hotel chains and airlines (flights only), 2 Points per $1 spent for selected domestic purchases made at major petrol outlets, supermarkets and national retailers and 1 Point per $1 spent on all other eligible domestic transactions.
  • 150,000 bonus points. When you apply by and spend $5,000 in the first 90 days, you'll be rewarded with 150,000 bonus Citi rewards Points.

Rates & fees

  • Annual fee. The perks of the Citi Prestige come at the cost of the $700 annual fee.
  • Interest rates. This card charges a purchase rate of 21.49% p.a. and a cash advance rate of 22.24% p.a.

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  1. Default Gravatar
    September 4, 2018

    Are you aware how the $150k income requirement is determined/assessed? If your household income meets that, would it be sufficient? Or does it need to be individually? If individually, if your recent fortnightly pay shows the correct amount say would that suffice?

    • AvatarStaff
      September 4, 2018

      Hello Lenny,

      Thank you for your comment.

      Yes, Citi Prestige has set their income requirement to $150,000 p.a. Your income is an important eligibility requirement that the issuer will use to assess your ability to repay. You will have to provide information about your current income, spending habits and any existing debts to help the credit card issuer determine whether or not you can manage more credit.

      It is more likely to assess you individually, hence, better to lay all your possible income. You may want to check our article about income requirements to get more idea.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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