Citi Prestige Credit Card

This product is provided by National Australia Bank Limited, using certain trademarks temporarily under license from Citigroup Inc.

Why we like the Citi Prestige Credit Card

If you’re looking for a credit card in Australia with a generous points earn rate and plenty of travel benefits, then look no further than the Citi Prestige Credit Card!

You’ll earn 3 Citi reward Points per $1 spent on eligible transactions online or overseas. Plus, pocket 3 Citi reward Points per $1 on eligible transactions made directly with major airlines, hotels and restaurants in Australia!

But that’s not all. For your day-to-day expenses, you’ll earn 2 Citi reward Points per $1 spent directly with major supermarkets, petrol stations and national retailers within Australia. On all other eligible domestic transactions, you’ll earn 1 Citi reward Point per $1 spent.

Travel often? Your Citi Prestige Credit Card includes complimentary access to more than 1,700 Priority Pass^TM airport lounges globally for you and one guest.²

Cardholders also enjoy a range of complimentary insurances, including International and Domestic Travel Insurance and Mobile Phone Insurance, plus other exclusive discounts and benefits.

Sign-up bonus

Until 28 August 2025, earn up to 200,000 bonus Velocity Points¹ when you apply for the Citi Prestige Credit Card!

You’ll receive 150,000 bonus Velocity Points when you spend $12,000 on eligible purchases within the first three months from approval. The additional 50,000 Velocity Points will be credited to your account when you keep your Citi Prestige Credit Card open for more than 12 months and enrol in Points Autosweep⁹.

Make sure to click on the ‘APPLY NOW’ button on this guide to take advantage of this offer.

This offer is not available to customers who close or transfer from another Citi-branded credit card account.

With 200,000 Velocity Points¹, you could fly in the lap of luxury almost anywhere in the world with Virgin Australia and its partner airlines! Fly from Melbourne to London via Doha on a one-way Business Class Reward Seat with Qatar Airways from 158,500 Velocity Points + $833.03 in taxes, fees and carrier charges.^* Or, fly from Sydney to Tokyo with ANA on a return Business Class Reward Seat from 164,000 Velocity Points + $202.56 in taxes, fees and carrier charges.^* You could even fly two people from Melbourne or Sydney to Los Angeles on return Economy Reward Seats with United Airlines from 182,000 Velocity Points + $529.56 in taxes and carrier charges.^*

Citi Prestige Credit Card benefits and features

The Citi Prestige Credit Card includes a range of features and benefits. Here’s what to expect…

Priority Pass™️ membership

Enjoy complimentary Priority Pass^(TM) membership² and unlimited airport lounge visits to over 1,700 lounges worldwide each membership year (currently valued at US$469) for you and a guest .

‘4th Night on Us’ benefit

As a Citi Prestige cardholder, you can book four consecutive nights or more at a range of hotels with Luxury Escapes and receive a credit back for one night (up to $1,000 credit per booking, four times per calendar year).⁵

Uber Premier $100 cashback

Receive $100 cashback when you spend $100 or more in one transaction on Uber Premier (or other available Uber ride options) with your Citi Prestige Credit Card.⁶

$10 monthly cashback with BINGE

Get $10 cashback with BINGE every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription. Stream the TV shows and movies everyone is talking about.⁸

Access to Complimentary Insurance

You may be eligible for the following complimentary insurances with the Citi Prestige Credit Card:

• International Travel Insurance and Domestic Travel insurance³ – up to 3 months for International Travel and up to 14 days for Domestic Travel when meeting eligibility criteria.
• Rental Vehicle Excess Insurance in Australia³
• Purchase Protection insurance³
• Extended Warranty insurance³
• Mobile Phone Insurance⁴ – pay your monthly mobile plan bill with your Citi Premier Credit Card and you’ll receive accidental damage and theft insurance cover.

Before you consider using these insurances, ensure you read the Policy Information Booklet to determine if the insurance cover meets your individual needs.

Discounts and other benefits

Aside from the ability to earn a generous sum of points, the Citi Prestige Credit Card also includes the following benefits:

• Enjoy 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026.
• Automatic cashback when you spend at stores with My Cashback offers.

Earning points

The Citi Premier Credit Card earns points towards the Citi Rewards program at the following rates:

• 3 Citi reward Points per $1 spent on eligible transactions online or overseas.
• 3 Citi reward Points per $1 spent on eligible transactions directly with major airlines, hotel chains and restaurants in Australia.
• 2 Citi reward Points per $1 spent on eligible transactions directly with major supermarkets, petrol outlets and national retailers.
• 1 Citi reward Point per $1 spent on all other eligible transactions domestically.

There is no cap on the number of Citi reward Points you can earn with the Citi Prestige Credit Card.

If you regularly make transactions in foreign currency, such as spending while overseas or shopping online with retailers outside of Australia, then the Citi Prestige Credit Card can be a good way to earn Citi reward Points from international spend. Note that this card attracts a 3.4% overseas transaction fee, so consider if this fee is worth the points earned.

Citi reward Points do not expire, provided that your card account remains open and in good standing.

Using points

There are a number of ways you can redeem your Citi reward Points. But one of the unique features of Citi credit cards is ‘Pay with Points’, allowing you to use your Citi reward Points to offset eligible transactions made on your card.

When you redeem 2,500 Citi reward Points, you’ll receive $10 back as a credit on your statement, giving you a value of 0.4 cents per point.

There are three ways to use this feature:

• Pay with Points (full amount)
• Pay with Points (partial amount via the Citi Mobile® App only)
• Spend and Redeem (real-time SMS offer)

Summary

Frequently Asked Questions (FAQs)