Citi Prestige Credit Card
1,000 statement credit after 15,000 in 60 days
at Citibank UAE's secure site
New Citi credit card customers only, applying directly through the Citi website. See rates & fees.
Rewards rate
The Prestige is the right shape for someone whose spending is genuinely international: 3 points per dollar abroad, 2 on every , lounge access with a guest and unlimited weekday golf. What stops us recommending it more widely is the Citi Premier sitting right below it at half the fee and paying more on dining, fuel and groceries.
Earning and redeeming ThankYou Points
The Prestige pays 3 ThankYou Points per USD 1 on non- spend and a flat 2 per USD 1 on everything charged in — dining, fuel and groceries included, with no uplift and no penalty. European Economic Area currencies drop to 1.5, and the standard Citi penalty bucket (utilities, telecom, government services, education, insurance, real estate, transit and transport in ) falls to 0.5 points per USD. Utility bills paid through Citibank Online or the Citi Mobile app earn nothing.
Points redeem three ways: Fly with Points puts a statement credit against a flight on any airline in one click, Points Transfer moves them to 11 partner airline and hotel programmes including Qatar, Turkish and British Airways, or you can take a plain cash rebate. Citi's own published illustration values 4,500 points at 100 — about 0.022 a point — which turns 2 points per dollar into roughly 1.2% back on spend. Paying the annual fee also releases 10,000 bonus points each year.
Rates and fees
- Annual fee
- 1,500 a year, plus 5% VAT. No first-year waiver.
- Interest rate
- 3.69% a month (44.28% APR) on retail and cash. Citi's footnote says 42% APR applies until 01 October 2026.
- Interest-free period
- Up to 52 days on purchases if you clear the statement in full; minimum 21 days. Cash advances, instalment plans and balance transfers accrue interest from day one.
- Foreign currency fee
- 2.99% processing margin on international and foreign-currency transactions.
- Cash advance fee
- 3% of the amount or 99, whichever is higher, capped at 250.
- Late payment fee
- 230.
- Over limit fee
- 249, or the highest over-limit amount assessed daily during the statement period, whichever is lower.
- Minimum payment
- The higher of 100 or 2.74% of the statement balance, plus fees, finance charges and instalment amounts.
- Supplementary cards
- Free.
Rates taken from Citibank UAE's Credit Cards Key Facts Statement and the July 2026 Fees & Charges schedule. VAT of 5% applies over and above every fee listed.
Card benefits
Fly with Points
Redeem points against a flight on any airline, class or date with one click in the Citi Mobile app — no award seats to chase.
14 lounge visits a year
About 1,200 lounges via Mastercard Travel Pass, with one guest each for you and your supplementary cardholders. Requires a USD 1 non- transaction to unlock.
Unlimited weekday golf
Unlimited free weekday rounds at leading UAE courses, plus one weekend round a month.
Valet parking twice a month
Two complimentary Valtrans valet services a month at selected locations.
10,000 anniversary points
Credited each year after the annual fee is paid — worth around 220 at Citi's own point valuation.
Travel and purchase cover
Travel accident and medical insurance for delayed flights, lost luggage and emergencies, plus purchase protection up to USD 20,000 a year for 90 days.
Pros and cons
- 2 points per USD on every you spend, with no category traps for dining, fuel or groceries
- 3 points per USD abroad — the second-highest foreign earn rate at Citi UAE
- 10,000 ThankYou Points a year after the annual fee is paid, worth around 220 at Citi's own conversion
- Unlimited weekday golf and two Valtrans valet parkings a month
- Fly with Points redeems on any airline in one click, with transfers to 11 partner programmes as an alternative
- Travel accident and medical cover plus USD 20,000 a year of purchase protection
- 1,500 plus 5% VAT with no first-year waiver, and 30,000 minimum salary
- It earns the same 2 points per USD on dining, fuel and groceries as on everything else — the Citi Premier pays 3 on those categories for half the fee
- spend on utilities, telecom, government, education, insurance, real estate and transport earns 0.5 points per USD, and utility bills paid inside Citi's app earn nothing
- At about 0.022 a point on Citi's own example, 2 points per USD works out to roughly 1.2% back on spend
- The 4th-night-free hotel benefit is advertised on the comparison page but Citi publishes no booking rules for it
- 2.99% foreign-currency margin applies to the same spend the 3x rate is meant to reward
Is it right for you?
Get this card if
- The bulk of your card spend is in foreign currency, where 3 points per dollar beats the Premier's 2
- You want a flat 2 points per dollar on all spend without tracking bonus categories
- You play golf on weekdays and use valet parking regularly
- You want lounge access for yourself, supplementary cardholders and a guest each
Consider skipping it if
- Your spending is mostly dining, fuel and groceries in — the Premier pays 3 points there for 750
- You want a first-year fee waiver
- A big share of your spend is rent, school fees, utilities or government charges, which earn 0.5 points per dollar
- You earn under 30,000 a month
Alternatives to consider
Half the fee, half the salary requirement, the same 14 lounge visits, and 3 points per USD on dining, fuel and groceries.
Best travel credit cards →
Almost double the earn rate and a fixed 20-miles-to-the- travel redemption, for 3,000 a year.
Best lounge access cards →
Another international bank's premium card, bundled with a full premier banking relationship rather than sold standalone.
Best travel credit cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee on the Citi Prestige Credit Card?+
AED 1,500 a year, plus 5% VAT on top. There is no first-year waiver.
What is the minimum salary for the Citi Prestige?+
AED 30,000 a month, according to Citi's Key Facts Statement.
How many ThankYou Points does the Prestige earn?+
3 ThankYou Points per USD 1 on non-AED spend and 2 per USD 1 on AED spend, including dining, fuel and groceries. European Economic Area currencies earn 1.5, and AED spend on utilities, telecom, government services, education, insurance, real estate and transport earns 0.5.
What are ThankYou Points worth?+
Citi's own worked example prices 4,500 ThankYou Points at an AED 100 cash rebate — about AED 0.022 a point. On that basis 2 points per USD on AED spend is roughly 1.2% back.
Can I transfer Citi ThankYou Points to airlines?+
Yes — to 11 partner airline and hotel programmes including Qatar Airways, Turkish Airlines and British Airways. Citi only publishes the transfer ratios inside the Citi Mobile app, and transfers cannot be reversed.
Does the Citi Prestige include airport lounge access?+
Yes — 14 visits a calendar year across about 1,200 lounges via the Mastercard Travel Pass app, for you and each supplementary cardholder with one guest each. Since June 2025 you need a non-AED transaction of at least USD 1 to unlock access for three months.
What is the welcome offer on the Citi Prestige?+
AED 1,000 as a statement credit after spending AED 15,000 within 60 days. It is limited to new Citi credit card customers applying directly through the Citi website, and runs until 31 January 2027.
Does the Citi Prestige include travel insurance?+
Citi lists travel accident and medical insurance covering delayed flights, lost luggage and emergency medical conditions, but does not publish the coverage limits or the underwriter on the card page.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.