Citi Prestige Card is best for high-income earners who like prestigious travel perks such as free access to lounges worldwide, complimentary travel insurance, and shopping protection as well as green fee waiver at golf. Enjoy a free night at any hotel for booking a minimum of 4 consecutive nights with no blackout period all around the world.
Minimum Income Requirements
HK$6 = 1 Mile
Miles Conversion (local spend)
HK$4 = 1 Mile
Miles Conversion (overseas spend)
MoneySmart Exclusive
【MoneySmart Exclusive!】From now until 31 July, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 after card issuance, new customers can enjoy $1,600 cash rebate!
Valid until 31 Jul 2024 - See more details below

Are you eligible?

    • Customers (“Eligible Cardholders”) must submit the application form through MoneySmart during the Promotional Period and successfully apply for a principal card of Citi Prestige Card, Citi PremierMiles Card, Citi Cash Back Card, Citi Rewards Mastercard, Citi Rewards UnionPay Credit Card , Citi Octopus Platinum Card, Citi HKTVmall Card or Citi The Club Credit Card (“Eligible Card”) issued by Citibank (Hong Kong) Limited (“Citibank”) and have their Eligible Card successfully approved by July 31, 2024. 
    • Unless otherwise specified, the Welcome Offers are not applicable to customers who currently hold, have cancelled or have held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card (“New Customer”). 
    • Students are not eligible for this credit card promotion. All student applicants are only eligible to enjoy the designated Citi Student Credit Card welcome offer. 

What you need to know

  1. Each Eligible Cardholder is entitled to one welcome offer only (Except for applicants of Citi Prestige Card). 
  2. Eligible Cardholders are entitled to the following welcome offer upon successful physical card activation within a month since from the date of card issuance and fulfilling the below relevant reward condition (“Welcome Offer”): 

    Welcome Offers  |  Reward Conditions/Spending Conditions
     HK$1,600 Cash Rebate  |  Accumulate spending of HK$8,000 or above within first 3 months# from the date of card issuance which include at least 1 eligible transaction each month 

    # For example, when the Eligible Card issue date of a New Customer is on June 16, 2024, then the first month is from June 16 to July 15, 2024; the second month is from July 16 to August 15, 2024; the third month is from August 16 to September 15, 2024. 

  3. Cash Rebate: will be credited to Eligible Cardholders’ card account within 5 calendar months upon the month of meeting the reward conditions/spending conditions. 

Quick Facts

Get the maximum value by

enjoying free night at any hotel for booking 4 nights and HK$6=1 for reloading e-wallets

Good for

travelers who enjoy premium travel benefits

Categories to maximise this card

overseas spending

What people use it for

overseas spending and digital wallet top-up

Get if

you prefer high-quality travel experience such as hotel offers and access to lounge

All Details

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Citi Prestige Card: A card that travelers must have

Citi Prestige Card is a premium travel rewards card that offers a variety of travel perks and benefits to frequent travelers including free accommodations and access to global airports. Cardholders can also enjoy year-round dining privileges, making it a great option for frequent travelers who are looking for a card that can help them save money on their travel expenses. If you travel often, the Citi Prestige Card is a great option to consider. Read on to find out more.

Benefits and Rewards

4th Night Free Hotel Stays

Cardholders can earn a 4th night free on eligible hotels when booking a minimum 4-consecutive night including staycation. For example, if you book a 3-night stay at a hotel that costs $200 per night, you would only be charged $600 for the stay. But the taxes and fees would still be due.

Priority Pass Lounge Access

Cardholders receive complimentary access to the Priority Pass network of airport lounges worldwide, which can be a great way to relax and unwind before or after a flight, and it also provides access to food, drinks, and other amenities such as showers, charging stations, Wi-fi, etc.

Year-round Dining Privileges

Citi Prestige offers an array of dining privileges - curated gourmet cooking, exclusive benefits and exquisite MICHELIN dining such as Andō, Ami Arborm, Amber, etc.

Other travel perks

Enjoy complimentary free travel insurance coverage up to HK$750,000, and shopping protection so you can travel with peace of mind as well as a green fee waiver at golf.

Citi ThankYou Rewards

Cardholders can earn ThankYou Points on all eligible purchases. These points can be redeemed for travel, merchandise, gift cards, and more.

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Who is the Citi Prestige Card for?

Citi Prestige Card is for high-income frequent travelers and they must also fulfill the following criteria:

  • Annual income must be HK$600,000 or above
  • Applicants must be at least 18 years old

Citi Prestige Card vs. Citi PremierMiles Card

The Citi Prestige Card and the Citi PremierMiles Card are both excellent travel credit cards, but they have different key features. The Citi Prestige Card has a higher annual fee of HK$3,800, but it comes with more benefits, such as a 4th Night Free Hotel Stays with no blackout period all around the world, Priority Pass Lounge Access, complimentary travel insurance, and shopping protection as well as green fee waiver at golf whereas the Citi PremierMiles Card has a lower annual fee, but it doesn't offer as many benefits.

Points earned can be redeemed for air miles for 12 preferential mileage programs, including Asia Miles, Avios, KrisFlyer. Points will never expire. Cardholders can also enjoy access to airport lounges for 12 times throughout the year, free travel insurance and shopping protection, etc.

Ultimately, the best card for you will depend on your individual needs and spending habits. If you travel often and are looking for a card that can help you save money on your travel expenses, the Citi Prestige Card is a great option. If you travel less often and are looking for a card with a lower annual fee, the Citi PremierMiles Card is a good choice.

Citi Prestige Card vs. American Express Platinum Card

The Citi Prestige Card and the American Express Platinum Card are two of the most popular premium travel credit cards on the market. Both cards offer a variety of benefits, including travel credits, airport lounge access, and elite status with hotel and airline partners. However, there are some key differences between the two cards.

Aside from the Black Card, the Platinum Card is the most prestigious American Express card that comes with a lot of perks such as rewards points, (HK$5 = 1 Mile), unlimited access to 1,400 lounges access over the world and exclusive access to the Centurion Lounges, travel insurance, and hotel membership to world’s leading hotels with benefits with an average total value of HK$4,680.

But it requires cardholders to have an annual income of HK$1,000,000 or above and an annual fee of HK$7,800, which is more than double what is required for the Citi Prestige Card. Citi Prestige Card also offers travel perks such as a 4th Night Free Hotel Stays,Priority Pass Lounge Access, complimentary travel insurance, and shopping protection.

Frequently Asked Questions (FAQ)

What is the key benefit of the Citi Prestige Card?

The key benefit of the Citi Prestige Card is its 4th Night Free Hotel Stays benefit. This benefit allows cardholders to earn a 4th night free on eligible hotel stays booked through the Citi ThankYou Rewards Travel Center. The 4th night free benefit is applied to the base rate of the hotel stay, and taxes and fees may still apply.

Who can apply for the Citi Prestige Card?

Applicants must be at least 18 years old with an annual income of HK$600,000 or above.

Does the Citi Prestige Card charge annual fees?

Yes, it charges HK$3,800/ year.