Citi Prestige Card
$700 first year annual fee
250,000 points
$20,000 min limit
1.00 points per dollar
Spend $10,000 in 90 days
OzBargain discussion for this card
Summary
Premium
Key Highlights
- • 250,000 bonus points
- • $700 annual fee
Offer Details
Signup Bonus
250,000 points
CitiRewards
Minimum Spend
$10,000
within 3 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$700
Ongoing Annual Fee
$700
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Lounge Access
Unlimited complimentary access to over 1,700 Priority Pass lounges worldwide for primary cardholder and one guest until 31 July 2025; from 1 August 2025, 15 complimentary visits shared between cardholder and guests per 12-month period.
Hotel Benefits
4th Night on Us: Book 4+ consecutive nights at Luxury Escapes hotels and receive a credit for one night up to $1,000 per booking, up to 4 times per calendar year.
Hotel Benefits
Up to 15% off Limited Time LUX Exclusive international hotel offers (up to $500 per booking) and 10% off international tours (up to $250 per booking) booked by 1 March 2026 via Luxury Escapes.
Ride-sharing Benefits
$100 cashback on Uber Premier rides of $100 or more paid with Citi Prestige Card, capped at one redemption per calendar year.
Hotel Benefits
10% discount on selected hotels booked via Expedia or Wotif using unique links and Citi Credit Card, valid for bookings by 31 January 2026 and stays completed by 30 June 2026.
Flight Discounts
5% discount on international flights booked via Trip.com link with promo code and Citi Credit Card, valid for bookings by 31 December 2025 and travel by 30 September 2026.
Subscription Benefits
$10 monthly cashback on BINGE Standard or Premium subscription paid with Citi Prestige Card until 31 October 2025.
Travel Insurance
Complimentary international and domestic travel insurance included with Citi Prestige Credit Card.
Mobile Phone Insurance
Complimentary mobile phone insurance covering accidental damage and theft when monthly mobile plan bill is paid with Citi Prestige Credit Card.
No Additional Cardholder Fee
Up to 4 additional cardholders allowed with no additional cardholder fee.
Balance Transfer Offers
0% p.a. interest rate for 6 months on balance transfers made within 3 months of card approval, with no balance transfer fee; balance transfer amount capped at 80% of credit limit.
Interest Free Periods
Up to 44 days interest-free on retail purchases if full closing balance is paid by due date; no interest-free period on cash advances or balance transfers.
Installment Plans
Eligible purchases can be paid off at a fixed interest rate over a set term with Citi Instalment Plans (Fixed Payment Option).
Dining Benefits
Earn 3 Citi reward Points per $1 spent on eligible purchases at major restaurants and restaurant chains in Australia.
Hotel Benefits
Earn 3 Citi reward Points per $1 spent on eligible purchases at major hotel chains in Australia.
Flight Discounts
Earn 3 Citi reward Points per $1 spent on eligible purchases with major airlines in Australia and international spend.
Shopping Benefits
Earn 2 Citi reward Points per $1 spent on eligible purchases at major supermarkets, petrol outlets, and national retailers in Australia.
Shopping Benefits
Earn 1 Citi reward Point per $1 spent on all other eligible transactions.
Points Transfer Benefits
Citi reward Points can be transferred to various airline and hotel loyalty programs including Flybuys, Singapore Airlines KrisFlyer, and Velocity Frequent Flyer.
Digital Wallet Integration
Card supports setup and use with Apple Pay, Google Pay, and Samsung Pay for contactless payments.
Concierge Service
24/7 personalised concierge service for travel, dining, and entertainment bookings provided by Mastercard Travel & Lifestyle Services for primary cardholder.
Expert Analysis
Bonus Difficulty
Hard
●●●$111 per day required
First Year Cost
$700
annual fee
Earn Rate
Average
●●○○1.00x CitiRewards points per $1
Travel Benefits
Lounge Access
One complimentary digital Priority Pass™ Membership with unlimited lounge visits for primary cardholder and one guest (changing to 15 visits shared from 1 August 2025)
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 260,000 bonus points for:
$540 of profit after meeting spend requirements
+ $1,240 Woolworths gift cards
- $700
annual fee
$500
x 2
$200
x 1
$20
x 2
in Woolworths gift cards, $1,240 total, with 1,500 points remaining.
$500
x 2
$200
x 1
in Coles gift cards, $1,200 total, with 9,900 points remaining.
History
22/03/2025
4 changes
Successfully Scraped At:
26/08/2025
Lounge Pass:
Priority Pass - Unlimited complimentary access to over 1,200 Priority PassTM lou...One complimentary digital Priority Pass™ Membership with unlimited lounge visits...
Interest Rate:
2122.49
Points Per Dollar:
21
18/09/2024
2 changes
Ozbargain Link:
https://www.ozbargain.com.au/node/757191https://www.ozbargain.com.au/node/873993
Bonus:
275,000250,000
- Expiration changed from 30/04/24 to no expirationa year ago
- Offer extended to 30/04/242 years ago
- Offer extended to 25 October 20232 years ago
- Bonus lowered from 300k to 275k, first year annual fee increased from $350 to $7002 years ago
- Spend increased from $7.5k to $10k and time increased from 60 days to 90 days3 years ago
