Here’s The MileLion’s review of the Citi Prestige Card, which once upon a time was easily the standard-setter for the S$120K segment with its 4th Night Free benefit, unlimited lounge visits with one guest, easy-to-earn airport limo rides, and excellent miles purchase opportunities.
However, recent years have been far less kind to cardholders, and in July 2025, Citi previewed the new normal by hiking the annual fee while cutting the benefits: you’ll pay more for less, and you’ll like it!
Unfortunately, that’s just where the market is headed right now. Other S$120K cards have steadily scaled back their benefits, and it looks like the segment above — populated by cards with four-digit annual fees like the AMEX Platinum Charge and StanChart Beyond Card — is the new place to be.
So is there still a case to be made for keeping a Citi Prestige Card? Perhaps, but you’re going to have to work much harder…
 Citi Prestige Card |
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| 🦁 MileLion Verdict | |
| ☐ Take It ☑ Take It Or Leave It ☐ Leave It |
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| What do these ratings mean? |
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| The Citi Prestige Card still performs well compared to the competition, but with a higher annual fee and fewer benefits, the value feels more marginal every year. | |
| 👍 The Good | 👎 The Bad |
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| 💳 Full List of Credit Card Reviews | |
Overview: Citi Prestige Card
Let’s start this review by looking at the key features of the Citi Prestige Card.
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|||
| Apply | |||
| Income Req. | S$120,000 p.a. | Points Validity | No expiry |
| Annual Fee | S$651.82 |
Min. Transfer |
25,000 TY points (10,000 miles) |
| Miles with Annual Fee |
32,000 | Transfer Partners |
11 |
| FCY Fee | 3.25% | Transfer Fee | S$27.25 |
| Local Earn | 1.3 mpd | Points Pool? | No |
| FCY Earn | 2 mpd |
Lounge Access? | Yes |
| Special Earn | N/A | Airport Limo? | Yes |
| Cardholder Terms and Conditions | |||
The Citi Prestige Card is Citibank’s second most exclusive credit card after the invite-only Citi ULTIMA. It’s part of the so-called “S$120K segment”, which means its main peers are cards like the DBS Vantage, OCBC VOYAGE and UOB Visa Infinite Metal Card.
While it comes in metal cardstock, it’s actually one of the lightest metal cards on the market. In fact, it’s more of a metalised plastic hybrid, weighing in at 8 grams, just a hair over a standard plastic card’s 5 grams.
In case you were curious, here’s how that compares with other metal cards on the market — the plunk factor is real!
How much must I earn to qualify for a Citi Prestige Card?
The Citi Prestige Card has a minimum income requirement of S$120,000 p.a., though it’s also available to Citigold customers (min AUM: S$250K) who earn at least S$30,000 p.a.
If you don’t meet the income criteria, an alternative is to get the Citi Prestige as a secured credit card, with a fixed deposit of at least S$10,000 (though remember, Citi Singapore requires a minimum total relationship balance of S$15,000 per month, or else a monthly S$15 service fee is charged).
How much is the Citi Prestige Card’s annual fee?
| Principal Card | Supp. Card | |
| First Year | S$651.82 | Free |
| Subsequent | S$651.82 | Free |
The Citi Prestige Card has an annual fee of S$651.82, which was increased by 20% from S$545 in July 2025.
Paying the annual fee gets you 32,000 miles each year, which was also increased by 28% from 25,000 in July 2025. Therefore, the cost per mile has actually fallen from 2.18¢ (S$545/25,000 miles) to 2.04¢ (S$651.82/32,000 miles).
Annual fee waivers are generally not possible. However, Citigold Private Clients with Accredited Investor status can receive a waiver of the first year’s fee until 31 December 2026, though this means forfeiting the welcome offer (see below).
All supplementary cards are free for life.
What welcome gifts are available?
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| Apply |
The Citi Prestige Card previously offered a welcome bonus of 57,000 miles to customers who made a minimum spend of just S$2,000.
Unfortunately, in January 2026 that offer was nerfed — hard — to 45,000 miles with a minimum spend of up to S$14,000! There’s no sugar coating having to spend 7X for a bonus that’s 20% smaller, but this is where we find ourselves until 30 November 2026 at least.
As before, this welcome offer is available to anyone who has not cancelled a principal Citi Prestige Card in the past 12 months. In other words, you are eligible even if you currently hold another principal Citi credit card.
Regular customers
If you don’t have Citigold or Citigold Private Client status, you will earn 112,500 bonus ThankYou points (equivalent to 45,000 miles) by paying the S$651.82 annual fee, and spending S$14,000 by the end of the second month after approval.
| ThankYou Points | Miles | |
| Pay S$651.82 annual fee | 50,000 | 20,000 |
| Spend S$14,000 | 62,500 |
25,000 |
| Total | 112,500 |
45,000 |
Citigold or Citigold Private Client
If you have Citigold or Citigold Private Client status, you will earn 162,500 bonus ThankYou points (equivalent to 65,000 miles) by paying the S$651.82 annual fee, and spending S$12,000 or S$10,000 by the end of the second month after approval.
| ThankYou Points | Miles | |
| Pay S$651.82 annual fee | 80,000 | 32,000 |
| Spend S$12,000 (Citigold) or S$10,000 (Citigold Private Client) | 82,500 |
33,000 |
| Total | 162,500 |
65,000 |
Given the S$651.82 annual fee, the effective cost per mile works out to:
- 1.45 cents per mile for regular customers
- 1 cent per mile for Citigold and Citigold Private Client customers
While that might sound acceptable on paper — especially after factoring in the value of other perks like airport limo rides and lounge access — it disguises the hefty minimum spending requirement.
I can only surmise that this is Citi’s way of nudging cardholders to use its Citi PayAll service, since that counts towards the minimum spend.
More details on the welcome offer can be found in the article below.
How many miles do I earn?
| 🇸🇬 SGD Spend | 🌎 FCY Spend | ⭐ Bonus Spend |
| 1.3 mpd | 2 mpd | N/A |
SGD/FCY Spend
The Citi Prestige Card earns:
- 3.25 ThankYou points per S$1 spent in SGD (1.3 mpd)
- 5 ThankYou points per S$1 spent in FCY (2 mpd)
In addition to this, cardholders also earn a Relationship Bonus of 5-30%, depending on tenure with Citibank and Citigold status.
It’s intuitive for many people to simply multiply the percentages by the card’s earn rate, so the regular 1.3 mpd on local spending would become 1.69 mpd (1.3 mpd x 130%), and the 2 mpd on overseas spending would become 2.6 mpd (2 mpd x 130%).
Unfortunately, that’s just not how it works. The relationship bonus percentage is applied to your overall dollar spend amount to derive bonus points, so in reality, you’re looking at an extra 0.02 to 0.12 mpd overall — better than nothing, but certainly not as exciting as it appears on first glance!
| Tenure | Citigold | Non-Citigold | ||
| SGD | FCY | SGD | FCY | |
| ≤5 Years | 1.36 mpd +15% |
2.06 mpd +15% |
1.32 mpd +5% |
2.02 mpd +5% |
| 6-10 Years | 1.38 mpd +20% |
2.08 mpd +20% |
1.34 mpd +10% |
2.04 mpd +10% |
| >10 Years | 1.42 mpd +30% |
2.12 mpd +30% |
1.36 mpd +15% |
2.06 mpd +15% |
For more on how the relationship bonus works, refer to the post below.
Even with the Relationship Bonus, earn rates continue to be a weak point of the Citi Prestige Card, and it ranks towards the bottom of the S$120K pack. Its only saving grace are the wider range of transfer partners, and more favourable rounding policy that awards points per S$1 of spend (unlike the S$5 blocks of some competitors).
| 💳 Earn Rates for S$120K Cards (Sorted by Sum of Local and FCY Earn Rates) |
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| Card | Local | FCY |
 StanChart Visa InfiniteApply |
1.4 mpd# | 3 mpd# |
 Maybank Visa InfiniteApply |
1.2 mpd | 3.2 mpd@ |
 UOB Visa Infinite Metal CardApply |
1.4 mpd | 2.4 mpd |
 DBS Vantage CardApply |
1.5 mpd | 2.2 mpd |
 OCBC VOYAGEApply |
1.3 mpd | 2.2 mpd |
| Citi Prestige Card Apply |
1.3 mpd^ | 2 mpd^ |
 HSBC Visa Infinite |
1 mpd | 2 mpd |
 AMEX Platinum ReserveApply |
0.57 mpd | 0.57 mpd |
| #With minimum S$2K spend per statement month. Otherwise 1 mpd @With minimum S$4K spend per calendar month. Otherwise 2 mpd ^Additional 0.02 to 0.12 mpd awarded based on tenure with bank |
||
Mind you, even the unfancied Citi PremierMiles Card earns 2.2 mpd on FCY spend, 10% more than the Citi Prestige Card. This is an area where it really needs to buck up!
What is the FCY transaction fee?
All FCY transactions are subject to a 3.25% fee, which is on par with the rest of the market.
| 💳 FCY Fees by Issuer and Card Network |
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| Issuer | ↓ MC & Visa | AMEX |
| Standard Chartered | 3.5% | N/A |
| American Express | N/A | 3.25% |
| Citibank | 3.25% | N/A |
| DBS | 3.25% | 3.25% |
| HSBC | 3.25% | N/A |
| Maybank | 3.25% | N/A |
| OCBC | 3.25% | N/A |
| UOB | 3.25% | 3.25% |
| BOC | 3% | N/A |
| CIMB | 3% | N/A |
With a 3.25% FCY fee, using your Citi Prestige Card overseas represents buying miles at 1.63 cents.
You could pair this card with Amaze, but remember: Amaze converts all transactions into SGD, so you’ll only earn miles at the local rate of 1.3 mpd.
| Spend with Amaze | Spend without Amaze | |
| FCY Fee | 2% | 3.25% |
| Earn Rate | 1.3 mpd | 2 mpd |
| Cost Per Mile | 1.54 cents | 1.63 cents |
That said, it might be an acceptable trade-off. Given Amaze’s implicit FCY fee of 2%, the cost per mile is slightly lower at 1.54 cents.
Transaction date or posting date?
The Citi Prestige Card tracks spending based on the posting date, not transaction date.
If you’re accumulating spend towards your welcome bonus, be careful about making transactions towards the end of the qualifying period — anything that posts beyond the deadline will not be included, even if the transaction was made during the qualifying period!
When are ThankYou points credited?
ThankYou points are credited when your transaction posts, which generally takes 1-3 working days.
How are ThankYou points calculated?
Here’s how you can work out the ThankYou points earned on your Citi Prestige Card.
| Local Spend | Round down transaction to nearest S$1, then multiply by 3.25. Round to nearest whole number |
| FCY Spend |
Round down transaction to nearest S$1, then multiply by 5. Round to nearest whole number |
Unlike some cards which award points for every S$5 spent (such as the OCBC VOYAGE and UOB Visa Infinite Metal Card), the Citi Prestige Card awards points for every S$1 spent.
This means you lose fewer points through rounding, which can make a big difference on smaller transactions. For example, the Citi Prestige Card can outperform the ostensibly higher-earning UOB Visa Infinite Metal on certain transactions, as illustrated below.
| Citi Prestige 1.3 mpd |
UOB VI Metal 1.4 mpd |
|
| S$5 | 6.4 miles | 6 miles |
| S$9.99 | 11.6 miles | 6 miles |
| S$15 | 19.6 miles | 20 miles |
| S$19.99 | 24.8 miles | 20 miles |
| S$25 | 32.4 miles | 34 miles |
| S$29.99 | 37.6 miles | 34 miles |
If you’re an Excel geek, here are the formulas you need to calculate points:
| Local Spend | =ROUND (ROUNDDOWN(X,0)*3.25,0) |
| FCY Spend |
=ROUND (ROUNDDOWN(X,0)*5,0) |
| Where X= Amount Spent |
|
For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
What transactions aren’t eligible for ThankYou points?
A full list of ineligible transactions to earn ThankYou points can be found in the Citibank T&Cs, at point 2.
I’ve highlighted a few noteworthy categories below:
- Charitable Donations
- Educational Institutions
- Government Services
- Hospitals
- Insurance
- Professional Services and Membership Organizations
- Quasi cash transactions
- Real Estate Agents and Managers
- Top-ups to prepaid accounts like YouTrip and GrabPay
- Utilities
For the avoidance of doubt, the Citi Prestige Card will earn points for CardUp spending. However, you may be able to achieve a lower cost per mile through Citi PayAll, depending on what offers are running.
What do I need to know about ThankYou points?
| ❌ Expiry | ↔️ Pooling | 💰 Transfer Fee |
| No Expiry | No | S$27.25 |
| ⬆️ Min. Transfer | ✈️ No. of Partners | ⏱️ Transfer Time |
| 25,000 TY Points (10,000 miles) |
11 | 24-48 hours (for KF) |
Expiry
ThankYou points earned on the Citi Prestige Card do not expire, so long as your card remains open.
Pooling
ThankYou points do not pool across cards.
If you have 25,000 ThankYou points on the Citi Prestige Card and 30,000 ThankYou points on the Citi Rewards Mastercard, you will have to pay two separate conversion fees. This also means that you’ll need to transfer all your points out before cancelling the card, or else lose them.
Transfer Partners & Fees
Citibank has the widest variety of transfer partners in Singapore, with 11 airline and hotel programmes to choose from.
More importantly, all three airline alliances are represented: Star Alliance (KrisFlyer, EVA, THAI, Turkish), oneworld (British Airways, Cathay Pacific, Qantas, Qatar), and SkyTeam (Flying Blue). This means your points are intrinsically more valuable, since you’re hedged against any one particular programme carrying out a devaluation.
Points transfer at a 5:2 ratio, with a minimum transfer block of 10,000 miles.
| Frequent Flyer Programme | Conversion Ratio (Citi: Partner) |
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25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
 |
25,000: 10,000 |
What’s good about Citi is that they use the same transfer ratio for all programmes, unlike HSBC and OCBC. This allows you to take advantage of sweet spot redemptions offered by a particular programme.
For example, flying to Europe in Business Class would cost 103,500 KrisFlyer miles, or 80,000 Infinity MileageLands miles. This means you could redeem the same award for 23% less spending (though EVA does have fuel surcharges, which affect the calculation somewhat).
Transfers cost S$27.25 each, regardless of how many points are converted.
Citigold Private Clients with Accredited Investor status enjoy a rebate of the conversion fee up to twice per year, until 31 December 2026.
Transfer Times
Citibank tells customers that points transfers will take 14 business days, but in reality it’s usually:
- Instant for Asia Miles
- 24-48 hours for KrisFlyer
- 2-4 working days for other programmes
If you need your points credited instantly to KrisFlyer, you can move them via Kris+ at a rate of 10,000 ThankYou points = 3,400 KrisPay miles. KrisPay miles can then be instantly converted to KrisFlyer miles at a 1:1 ratio.
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| S$5 for new Kris+ Users |
| Get S$5 when you sign-up with code W644363 and make your first transaction |
There are pros and cons to this:
Pros
- Minimum conversion block is reduced to 10,000 ThankYou points, versus 25,000 ThankYou points if converting via Citibank’s rewards portal
- Transfers from Citi to Kris+ and Kris+ to KrisFlyer are instant
Cons
- Those 10,000 ThankYou points would normally be worth 4,000 KrisFlyer miles, so a 15% haircut is incurred
If you choose to do so nonetheless, do remember that it’s a two-step process:
- Transfer points to KrisPay miles
- Transfer KrisPay miles to KrisFlyer miles
Do not forget the second step! If you wait more than 21 days, or spend any of the converted KrisPay miles via Kris+, the entire balance will be stuck in the Kris+ app. KrisPay miles expire after six months, and can only be spent at a poor ratio of 100 miles = S$1.
Other card perks
4th Night Free on hotel stays
One of the biggest draws of the Citi Prestige Card is the 4th Night Free benefit, which allows principal cardholders to stay four nights at a hotel for the cost of three.
- The principal cardholder must make a reservation in their own name for a stay of a minimum of four consecutive nights
- The reservation must be made through the Citi Prestige Concierge or Citi Prestige Digital Concierge
- The reservation must be fully prepaid at the time of booking
- The rate must be available on the hotel’s public website, or via Expedia
If the above criteria is satisfied, the average pre-tax rate of the first four nights will be refunded within two billing cycles (up to 90 days) from completion of full payment.
In the example above, the cardholder receives a refund of S$118 (the average of S$100, S$130, S$160 and S$80). Since the refund is on the Citi side, elite credit and hotel points (if applicable) are earned on the full amount of spending.
A maximum of one free night can be enjoyed per stay, and back-to-back stays will not be honoured. Back to back stays are defined as consecutive stays:
- In the same hotel, same city
- In a different hotel, in the same city
Consecutive stays are defined as any stay in which the check-in date is less than seven days from the previous check-out date.
The 4th Night Free benefit does not apply to:
- Full and half board room stays
- Single and multi-room suites
- Home & farm stays
- Serviced apartments
- Villas
- Packaged stay and member rates, such as air and hotel, hotel and car rental, hotel and meals bundled promotions
As you can see, Citi has slapped a whole lot of restrictions on this benefit, so much so that existing cardholders complain it’s dying the death of a thousand cuts. You can still save money, sure, but you might drive yourself a little crazy trying to do it.
Moreover, the 4th Night Free benefit won’t really save you 25%, because:
- OTAs may be offering lower rates, which allow you to stack promo codes, 4 mpd cards or even bonus miles from bank x OTA portals
- You can’t stack it with ShopBack cashback or HeyMax Max Miles
- You cannot book member rates, even if the membership is free to join
- The free night doesn’t include taxes
So can this benefit justify the annual fee? It all boils down to how you use it. There is no cap on the number of times you can use it each year, nor the maximum rebate you can receive. This benefit could be worth nothing at all, or it could single-handedly cover your annual fee.
Complimentary airport limo rides
The Citi Prestige Card offers two complimentary airport limo rides to cardholders who spend at least S$12,000 per calendar quarter, capped at two rides per quarter and eight rides per year.
It’s worth noting that prior to April 2019, spending just S$1,500 per quarter in foreign currency would unlock four free airport limo rides on the Citi Prestige Card. However, Citi then hiked the minimum quarterly spend to S$20,000, before relenting a bit in February 2020 by reducing it to the current S$12,000.
| 💳 Airport Limo Benefits for S$120K Cards (Sorted by Lowest to Highest Min. Spend) |
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| Card | Qualifying Spend | Cap |
| HSBC Visa Infinite |
S$2K per month for 1 ride* |
24 per year |
| Maybank Visa Infinite Apply |
S$3K per month for 1 ride | 8 per year |
| Citi Prestige Card Apply |
S$12K per quarter for 2 rides | 2 per quarter |
| OCBC VOYAGE Apply |
S$12K per quarter for 2 rides | 2 per quarter |
| AMEX Platinum Reserve Apply |
N/A | N/A |
| DBS Vantage Card Apply |
N/A | N/A |
| StanChart Visa Infinite Apply |
N/A | N/A |
| UOB Visa Infinite Metal Card Apply |
N/A | N/A |
| *First 2 (Regular customer) or 4 (HSBC Premier) per year are free | ||
The S$12,000 minimum spend is defined as follows:
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“Qualifying Spend” refers to any retail transactions (including internet purchases) which do not arise from: (i) any Equal Payment Plan (EPP) purchases |
Transactions like charitable donations, government services, insurance premiums and utilities are not excluded. Even though these transactions will not earn any points, they will still count towards the minimum spend for limo rides (corroborated by numerous data points in the Citi Prestige chat)— so you might as well charge them here.
Citi PayAll spending will also count towards the S$12,000 qualifying spend, provided the service fee is paid.
Clarified: Qualifying spend for Citi card welcome offers & benefits
Cardholders will be charged for the limo ride at the time of booking, and reimbursed by the end of the following quarter if they meet the minimum spend criteria.
Do note that you can make the booking before meeting the S$12,000 qualifying spend, and the limo ride can be for any future date. For example:
- On 5 January 2026, I book an airport limo ride for 1 June 2026
- On 1 March 2026, I meet the S$12,000 minimum spend
- In Q2 2026, I’ll receive the rebate
However, rides must be booked in the same quarter they are earned. For example:
- On 1 March 2026, I meet the S$12,000 minimum spend
- On 1 April 2026, I book an airport limo ride for 1 June 2026
- I will not receive any reimbursement, because I did not meet the minimum spend in the April to June period (I was supposed to book the limo rides by 31 March 2026)
To answer a common question, you will earn miles on the limo booking expense, even though it’s later reimbursed. The expenditure will also count towards your year-end relationship bonus.
Bookings can be used for airport pick-ups or drop-offs, and can be made by logging into the Citi Mobile App, navigating to their card page, and tapping the Prestige Limo button.
This will send you to the TBR Global website, where you can fill in the details, select the vehicle type and add-ons, and make payment.
12x complimentary lounge visits
The Citi Prestige Card used to offer unlimited Priority Pass visits, together with one guest. However, because of some overenthusiastic usage, Citi cut the number of visits to 12 per calendar year from 1 July 2025.
This, unfortunately, is just the direction the S$120K segment is heading. The UOB Visa Infinite Metal Card also lost unlimited lounge access in June 2026, leaving the OCBC VOYAGE and the HSBC Visa Infinite (now closed to applications) as the only S$120K cards with unlimited lounge privileges.
| 💳 Airport Lounge Benefits (Income Req.: S$120K) |
||
| Card | Free Visits (Per Year) |
|
| Main | Supp. | |
 HSBC Visa Infinite |
∞ | ∞ (up to 5x cards) |
| OCBC VOYAGE Apply |
∞* |
2 CY No Share^ |
| Citi Prestige Card Apply |
12 CY Share |
N/A |
| UOB Visa Infinite Metal Card Apply |
12 MY Share |
N/A |
| DBS Vantage Card Apply |
10 MY Share |
N/A |
| StanChart Visa Infinite Apply |
6 MY Share |
N/A |
| Maybank Visa Infinite Apply |
4 MY No Share |
N/A |
| AMEX Platinum Reserve Apply |
N/A | N/A |
| Legend | ||
| Whether visits are tracked by calendar year CY or membership year MY Whether lounge visits can or can’t be shared with guests Share No Share |
||
| *Restaurants not included ^While the T&Cs say that visits cannot be shared, cardholders report that sharing is possible |
||
Lounge visits can be shared with one or more guests, so a couple could visit the lounge six times, or a family of four could visit the lounge three times. You could bring 11 guests at one time, if you were so inclined.
Citigold Private Clients with Accredited Investor status enjoy two extra Priority Pass visits (14 total) until 31 December 2026. They will also receive two DragonPass visits each year, though this is through the Citigold Private Client Debit Card, and not related to the Citi Prestige Card.
1-for-1 entertainment tickets
Citi Prestige Cardholders enjoy 1-for-1 pricing on selected Singapore Repertory Theatre (SRT) productions, such as Legally Blonde and Fried Rice Paradise – The Makan Party.
1-for-1 Haute Dining offers
Citi Prestige Cardholders enjoy 1-for-1 pricing for the Haute Dining experiences that Citi organises several times a year.
While it’s a nice little perk, I wouldn’t put an explicit value on this because slots get snapped up almost as quickly as they’re released, and there’s a big element of luck involved. You’ll definitely save a few hundred dollars if you grab a slot, but it’s far from guaranteed.
To get updated whenever Haute Dining experiences open for booking (which is usually several hours before the eDM gets sent), join the Citi Prestige Telegram Group.
Buy miles with Citi PayAll
 |
| Citi PayAll |
Citi PayAll is a platform that allows Citi cardholders to pay various types of bills and earn rewards points, for a small fee.
The following categories of payment are currently supported:
| 💰 Citi PayAll: Supported Payments | |
| Category | Monthly Cap |
|
S$200,000 |
|
S$100,000 |
|
S$30,000 (each category) |
|
Outstanding balance with IRAS |
| ⚠️ Earn miles for free! |
|
While most of the abovementioned categories are excluded from rewards by most card issuers, there are still a handful of exceptions out there. Before resorting to Citi PayAll, be sure to check whether any of your existing cards would let you earn miles for free! |
The Citi Prestige Card earns 1.3 mpd on all payments, with a service fee of 2.6%, which means that under regular circumstances, you would be paying 2 cents per mile.
However, Citi has historically run promotions that have upsized the earn rate to as much as 2.5 mpd, lowering the cost per mile to just 0.8 cents each! Unfortunately, the generosity has been dialed back significantly in recent times, and the most recent promotion offered a 1.9% fee with an S$80 eCapitaVoucher.
I’ve written a comprehensive guide to Citi PayAll, so be sure to check out the article below.
For the avoidance of doubt, Citi PayAll transactions will count towards the minimum spend for welcome offers and other promotions, provided the service fee is paid.
Singapore Airlines discount
 |
| Details |
Since March 2026, the Citi Prestige Card has been running a monthly discount on Singapore Airlines tickets, which offers up to S$120 off per passenger to any destination in the network.
| Month | Savings | Max Pax. | Cabins |
| March 2026 | S$100 per pax | 2 | Business |
| April 2026 | S$100 per pax | 2 | Business Premium Economy |
| June & July 2026 | S$120 per pax | 5 | First Business Premium Economy |
| S$60 per pax | 5 | Economy |
A limited number of redemptions are available, but if you intended to travel anyway, these savings could help offset some of the annual fee.
Complimentary golf games
 |
| Golf Bookings |
Citi Prestige Cardholders enjoy six complimentary golf games per year, split into:
- Three complimentary games in Singapore
- Three complimentary games in the region
A maximum of one active golf booking per cardholder is permitted at any time, and you must complete the existing game before making another booking.
Games are valid at the following clubs.
Singapore
| Club | Benefit |
|
|
| ^There is a requirement of one minimum accompanying paying guest per cardholder for Sentosa Golf Club |
|
Region
| Club | Benefit |
|
|
| *Mission Hills Golf Club requires a minimum one-night stay for every tee time booking | |
Citigold Private Clients with Accredited Investor status will enjoy additional golf games until 31 December 2026.
Sands Lifestyle Prestige Tier
From now till 30 April 2028, Citi Prestige Cardholders can enjoy a complimentary 3-month membership upgrade to the Marina Bay Sands Prestige tier.
They can renew their membership for a further 9-month period by spending at least S$1,500 within the initial 3-month period, failing which they will be downgraded to the entry-level Lifestyle tier.
To upgrade their status, Citi Prestige Cardholders must visit one of the following locations in person
- Lobby, Hotel Tower 1
Daily: 10am – 10.30pm - The Shoppes, B1 (above Sampan Rides)
Daily: 10am – 11pm - The Shoppes, B2 (near Digital Light Canvas)
Daily: 10am – 11pm
Sands Lifestyle Prestige members enjoy perks such as:
- Up to 20% instant Resort Dollars at over 250 outlets
- 10% savings on hotel room rate
- Preferential earning of up to 10% instant Resort Dollars at selected restaurants
- $4 Resort Dollar parking (with same-day spend)
- Complimentary tickets to Marina Bay Sands attractions (up to two tickets per day per attraction, capped at two per month)
- Digital Light Canvas
- Sampan rides
- SkyPark Observation Deck
- 1-for-1 ArtScience Museum exhibition tickets (up to four tickets per month)
The full list of perks can be found here, and the T&Cs here.
Complimentary travel insurance
Citi Prestige Cardholders used to enjoy two separate complimentary travel insurance policies: one provided by Citi, and the other by Mastercard.
While you can’t be reimbursed twice for the same expense (e.g. medical bills), if the coverage on one policy is insufficient, the second policy will step in to make you whole. Also, benefits like delayed luggage, flight delays or death claims can be paid out across both policies.
Unfortunately, Citi eliminated its own policy from 28 February 2025, leaving Mastercard (underwritten by AIG) as the only coverage.
| Accidental Death | US$500,000 |
| Medical Expenses | US$500,000 |
| Travel Inconvenience | Flight Delay: US$500 Baggage Delay: US$500 Lost Baggage: US$3,000 |
| Policy Wording | |
It’s not bad by any means, and covers the cardholder, spouse, children and even domestic helpers. However, there is no coverage for post-trip medical expenses in Singapore, so take note of that if it’s important to you.
World Elite Mastercard benefits
The Citi Prestige Card is part of the World Elite Mastercard tier, which means that cardholders enjoy the additional perks such as hotel and rental car elite status.
| 🏨 Hotel Elite Status | |
| 🚗 Rental Car Elite Status | |
| 👍Other Perks |
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Remember, Citi Prestige Cardholders enjoy all supplementary cards for free, so you can share these benefits with family members at no additional cost. They might not be able to enjoy Citi-offered perks like Priority Pass and the 4th Night Free benefit, but all the World Elite Mastercard benefits are still available.
Terms & Conditions
Summary Review: Citi Prestige Card
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Prior to COVID, the Citi Prestige Card offered excellent value, with cardholders easily recovering their annual fee through the 4th Night Free benefit, lounge visits, airport limo rides, and other perks. These days, however, the value proposition feels a lot more marginal.
Can you still recoup the S$651.82 annual fee? You certainly can, as I’ve shown in my Keep or Cancel article. But it’s a lot more challenging than before, and remember, the goal shouldn’t be just to break even. In order to justify a card, it needs to bring in a premium to the annual fee you put in — though how much of a premium is very much a personal decision.
Besides, longstanding pain points like poor earn rates and no points pooling continue to dog cardholders, and for my money, the HSBC Premier Mastercard could easily replace this in most people’s wallets, provided you’re willing to commit a S$200,000 AUM with HSBC.
So that’s my review of the Citi Prestige Card. What do you think?
Relationship bonus rates for Citigold are lower than non-Citigold?
i swapped them around. fixed!
Is the 4th night free applicable for stays in Singapore?
I don’t have personal experience, but reports in Citi Prestige Tele chat say yes
That’s new, will check it out thx Aaron
it does. i used before
Quite a sizeable chunk of points with KF, so any recommendations on transfer options for Citi? Or does it make sense to just renew and wait it out?
I can take the premium for $ per miles paid during renewal as storage maintenance fee for the points since they don’t expire. There’s the devaluation risk but I guess that’s a separate discussion since everyone is basically stuck in sg
yeah you could view it that way…although i still think it’s quite expensive storage.
How about the 3 free greenfees at SG golf clubs?
just read about this, seems to have been added on 20 august. no interest to me, but i’ll add something in the post for those who enjoy golf
These have been around for many years, it used to be three in SG plus three overseas. After the arrival of covid it actually got changed to six rounds in SG, as people could not travel overseas. Not sure whether it has reverted to 3+3 more recently. I’ve been able to secure two rounds this year at MBGC so far.
Thanks so much for the detailed review. I’ve been a member for one year now but this article was a nice recap for me. Due to the lost benefits under COVID situation I was thinking of canceling the membership but I somehow missed the renewal month so I’ll continue to be a member for another year. lol
One stupid question – is this card really metal? I thought the metal card feels heavier and colder but I don’t feel any difference from othe plastic cards…
thin metal glued to thin plastic. it comes apart with time. just like amex platinum card. plastic for paywave. metal cards like insignia and ultima don’t have plastic and are obviously heavier in the hand. some amusing articles actually compare card weights – older ritzcarlton card was the champ if I remember.
what met said- it’s a hybrid card. and one of the lightest metal cards on the market; there are some complaining about build quality.
Fantastic in-depth review! Just wondering, is the Singapore version of this card like the US where it is a metallic card?
yup! however the build quality isn’t great, and it’s only a few grams heavier than a pure plastic card
Hi Aaron, first time commenting here. I was actually looking at this after i saw the benefits you got from your GHA black membership that comes with a World Elite Mastercard (which this card is). With these World Elite Mastercard benefits (I only see 2 on the site, 1 of which is by invite only), do you think it will boost your rating or do you think it doesn’t move the needle much? (Specifically after your Capitol Kempinski Hotel glowing review :))
well i don’t think it’s possible to get GHA black anymore with world elite mastercard, which his why i didn’t mention it. the last successful data point posted was from january 2020, and the landing page is gone: https://www.discoveryloyalty.com/Discovery-Member-News/2018-09/You-re-Invited-To-Black-Status-with-DISCOVERY
if indeed gha black is still possible, then yes it does move the needle a bit. but as always it depends where you stay- some hotels like kempinski treat gha black well, others may not really care.
I attempted to cancel my card (near end Nov) as they would not waive the fees despite almost no opportunity to travel this year and potentially next year. The cancellation process is a nightmare – you have to wait for their retention team to call you, then they will repeat the same refusal to waive fees (ya I get the point) and then read an ultra long terms and conditions that you would indemnify them against any claims (like who will even bother??) and then take their own sweet time to remove the card (1-2 weeks) from your account. Make… Read more »
I’m wondering if there is any regulation or requirement in T&C on how to cancel a card. If not, just inform them and keep a record, then say bye-bye
Has Boingo benefit been removed?
Seems to be the case. Verified eligibility on mastercard website, and result is negative.
where can I find the link to the Prestige Concierge to book travels/hotels? Tried google without success.
Yes, where is this website? Have applied for the card and it’s taking ages to come. Wrote in to Citi for the URL and they asked me to call the ‘Aspire hotline’ on the back of the card. It’s like some heavily guarded trade secret lol smh
Yes, call the Aspire Hotline number (Prestige cardholders can call 63386911). It’s a long wait though.
The 4th night free restrictions are an absolute killer
The 4th night free MUST NOT ONLY be a prepaid, non cancellable/refundable rate
But ALSO be a non discounted rate. Meaning if you book a hotel with an advanced booking discount, that rate is not eligible for the benefit even if the rate is entirely public
And booking through the so-called Travel Concierge is basically you going to the websites, doing your own research, and THEN going back to the Concierge to get them to book it for you.
Absolutely gawd awful benefit. Ridiculous.
Same thing for car rental – I asked how do they do it…they said they’d take my requests and go to 1 of 2 websites…i’d thought concierge means they’d go find the best value option….
Yeah agree.
The difference in prices for member rates could reduce the savings by using the prestige to around 9%.
And the difficulty in calling the concierge…God makes me want to cancel the card
4NF can be refundable, there is no such restriction as long as it is fully prepaid.
That’s right – it just needs to be prepaid. Expedia has a paynow but refundable option – the concierge will typically use that option.
Thanks for the review ! Do agree the 4th night stay is a great way to recoup the AF but in all likelihood my travel profile means i will stay typically a few nights rather than an extended period of time. However, with the 48000 miles bonus offer, it seems quite enticing to get the card at just around approx. 1.1 cents/mile? Although in all likelihood may end up canceling the card just before renewal, with my current spends optimized around on 4 mile/dollar cards. Currently only holding a Citi PM card since 2008 (does that qualify as non-citigold relationship… Read more »
4th night free only available for prepaid rates or some nonsense like that – for W Singapore, I couldn’t get the concierge to book the rooms through the Marriott website because no prepaid rate was available at that time, so they had to use some OTA.
Even though I got the 4th night free, I couldn’t get the nights to count towards status :/
Was pretty much done with the card after that.
How do the current sign up promotions fare in comparison to that 1-2 year back?
I need some advice here. I’m thinking of using this Citi Prestige as my “charge everything” Mastercard. I can use the Citi PayAll to pay for insurance, etc. Strangely, AIA only accepts Mastercard. And I will be earning 1.3 mpd, better nothing at all. PremierMiles earns 1.2 mpd. So I thought this is a better deal.
I have a DBS Vantage that earns 1.5 mpd on Visa spends. Is this a good idea to maximise my mpd? Or should I go for other MasterCards?
Thanks in advance.
If you are looking to maximise mpd dumping all your expenditure on these cards should be the last thing you ever do.
I use the Prestige card as my ‘charge when I don’t have a 4 MPD card’.
Sometimes saving time is worth more than optimizing for miles (I realize some will attack me for this heresy).
Also, Citi Prestige miles convert to Turkish and other programs that often have much lower mileage requirements than Krisflyer.
So while you might earn fewer miles per dollar, the miles you get are worth more IMO.
Joke of the day.
Asked prestige concierge to book an intercontinental club room as was told because it comes with club lounge access hence it’s counted as a package stay.
Not going to renew the card for next year…
that is hilarious indeed. citi CSOs have never been known for competency, but this is special indeed.
Thanks for a great article and an amazing website overall! Does anyone know if the complimentary green fees extend to supplementary card holders?
Was wondering about the limo ride, if I hit the 12k spend in Dec but the payment is 30 Dec, do I get the 2 rides? It can’t be that they expect usage on 31 Dec if it can’t be carried over to next quarter or calendar year right?
Just realised the Kaligo special Earn ended lasg month. Should we expect renewal of that programme?
May I know when I pay the annual fee to renew for the 2nd year, do I get 25000 TY points? Or renewals don’t come with any points at all?
In my case, I received the 25,000 TY points during my renewal month in March 2024. To be fair, neither the Citi website nor this article mention anything about renewal miles / points, so perhaps this is only for legacy customers.
Hey Aaron!
i’m looking for Milelion’s Verdict
will be updating this review in the next few months…stay tuned!
Would appreciate if its before promo period ser
For the 4th night free benefit, how is it booked at chain hotels? Can I ask the concierge to book at the official website and quote my membership number for the booking? Because, sometimes, the website offers members’ price and public price which is higher than members’. If the concierge can accommodate us by booking prepaid member’s prices, then that is still worth the trouble I think.
Can book through hotel website and may be able to link membership (works for IHG but other chains may leave it as a note), but can only book the public non-member rate.
Thanks for sharing the experience. Were you holding the phone line until the booking is finished?
Based on 11Sep’23 updated article, may I confirm if Citi PayAll enables one to receive miles when used for Income Tax payment? Thanks. (my apologies if I had missed it somewhere….)
Yes, only reason I have kept this card. Not renewing next year, will get the Rewards card which still gives access to Citi Payall at a lower cost (for the card)
I keep this card to pay rent and school fees on payall- the nice side benefit is the limo rides. The advantage of the Citi ones is that can be used from Changi and also get a maxicab- saves $60+ each time. They also do random spend promotions (I received a $400 restaurant voucher last month)
the insurance coverage is $5mil or $500k?
Hi aaron,
To confirm, i can use citi payall to pay for donations via giving.sg and this donation will qualify as a valid spending for the welcome gift of max of 71k miles?
Thks
Manage to utilised the 4th night free thrice recently due to my travel plans. A few things to take note: 1) You can ask Citi to book the hotel at no discount rate and your stay will be eligible for hotel membership status 2) You can ask Citi to get cheapest rate (about 5% price difference to booking.com) but then your stay will not be eligible for hotel membership status 3) When calling Citi for 4th night stay, it is better to confirm the hotel booking while on the call. DO not ask them to follow up via email for… Read more »
Hello, grateful for any data points on whether the Marriott Bonvoy hotels will honor the membership status benefits (e.g Platinum benefits) when booking a hotel stay through Citi using the 4th Night free benefit?
Used the card for 12 months, here is the review. – redemption – best redemption offers will come from retailers, like Tangs, however, be prepared to receive pile of vouchers form Citi, which you have to tear up and sign, each voucher is 50$. If you do it for 1000$+ it takes some time. online redemption rates are extremely off. I had some sign up bonus to be charged, that was charged in time, no issues. usage of bonus points a bit of a hassle. – for lounge access, Citi usesi priority pass, which either gives you access to the… Read more »
Aaron, the renewal of Prestige needs to be discussed in the context of PayAll promos becoming much worse and the availability of good hotel promos in APAC. It’s not enough to say that paying the annual fee gets you miles at 2.16 cpm because without PayAll, you are not going to get a lot more miles on Prestige and will have to think when you will get enough miles to redeem. The renewal bonus is in miles, but the other main benefit is 4N1F cashback. After the first year bonus miles, Prestige is a very complicated lifestyle and cashback card.… Read more »
Just cancel after the first year
IMO, this is primarily a lifestyle card, with a secondary goal as a mile-chaser card. Other than the renewal bonus, the best features don’t involve miles. I got the card in 2016 for its 1-for-1 dining deals which were reduced post-COVID but have recently improved with better frequency and venues. One-for-one at Shinji or Iggy’s (I think both were offered in 2024) is enough to cover the annual fee, sometimes without even considering the renewal miles. From my experience (>10x) the prix fixe Citi menus and portions are nearly identical to the regular menu (I also dine there on other… Read more »
Citi Prestige Card is actually a plastic card, not metal. I just got mine recently. I even called CitiBank to ask, and they say Citi Prestige Card has always been a plastic card, only Ultima is metal.
It’a a bit metallic on the front with a plastic layer behind to allow paywave. It’s actually nicer material than the old Prestige card which was plain plastic and even followed a standard World Elite graphic design template. Need to be careful the 2 layers don’t separate but it’s better than the Amex Platinum Charge – mine has already separated into 2 leaves with only the area near the chip part still glued together. The older version of Ultima was all metal and had no paywave function. The newer cardstock for Ultima has the same front but is similar to… Read more »
I notice you had mentioned that for example, insurance, transactions aren’t eligible for ThankYou points. However, may I know if such transactions contribute towards the S$12K per quarter for 2 complimentary limo rides? Is there any way to check if eligibility has been met?
CardUp can be used for qualifying spend?
The Citi Prestige 4th night free perk is quickly becoming a scam. firstly they have nerft booking off expedia, they are only allowed to book through their inhouse portal, so as a consumer you will have to call in and compare their price to the prices you have researched had you book on your own. now here comes the scam. this is not the first time, but just going to share my recent experience. I intend to stay 4 nights in Chengdu, prizes at big names like Hyatt, St Regis, Jw Marriott were charging rooms at 230-250 per night this… Read more »
Did they give a breakdown of the 3000?
AF increase to 598 and PP limit to 12 starting 1st July, time to update the article…
+1 598 without gst, but it looks like we get more miles
just want to say this is no longer true:
it is also available to Citigold customers (min AUM: S$250K) who earn at least S$30,000 p.a.
For a card named “Prestige”, the customer service is nowhere near worthy. I was speaking to their phone officer and I could hear roosters crowing in the background throughout the call! I wonder which kampung in Philippines is their call centre based in.
There are chickens everywhere in Singapore now. Come to Tanjong Pagar, Outram, Cantonment Road and see the chickens in the CBD. They crow too. And they shit too. Part of some sort of misplaced effort from town councils is what I believe.
But you’re right, I think Citi Prestige card support is usually outsourced. Usually Malaysia I think which is better than anywhere else since their accent is similar. Higher tier card has local support and RM.
The 4th night benefit is based on standard rates. If you are getting a discounted rate with 20%, say, thrown in on a Citibank Agoda promotion for example, the 4th night is of no benefit. I loose count of the number of times I have tried to see if the 4th night benefit was worth it, only to find it is not. This card is going to be cancelled next year at renewal – I only kept it 1 more year because my renewal was a few weeks before the ridiculous increase in the annual fee.
This is so true. Because of the difficulty to access the 4th night free rates (refer to article for exclusions) – it is in most instance, even cheaper to go direct to the hotel (not even OTA) and look for promo rates!
Unfortunate nerfs.That 4th N benefit was really good at a certain point of time – two holidays in a year and it covered the cost of the card.Have cancelled the card.Cancellation was also a pain in the rear as Citi kept asking for reasons and delaying the cancellation for no reason at all.Had to walk-in to their Jurong office ( when it existed ) and bang table! That itself makes sure that I will never apply for a Citi card again.
The math still works for me.
Assuming I value SQ miles at 1.7 center / mile, the 32,000 miles received for paying the annual fee give me a value of worth SGD 544. That leaves 108 SGD of the annual fee to be offset (652 – 544).
I get 12 Priority Pass visits, meaning I essentially will pay 9 SGD per lounge visit (108 SGD / 12 PP visits).
Heads-up for anyone cancelling Prestige after a year one: My renewal ThankYou Points (80k) were credited to my account before I’d actually paid the annual fee. I redeemed them along with other points while arranging to cancel the card, not realising they were tied to an unpaid fee. Once redeemed, it wasn’t reversible, and Citi held me liable for the $651.82 fee regardless — this is covered under clause 3.1 of the Prestige Program T&Cs (unpaid fee + already-credited gift = bank can recover the points’ value from you). If you’re planning to cancel and want to clear your points… Read more »