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Citi Prestige Card: Best Luxury Perks Available for Wealthy Travellers

Top-Tier Luxury Travel Perks

Citi Prestige Card: Best Luxury Perks Available for Wealthy Travellers

Top-Tier Luxury Travel Perks

4.5/5.0

ValueChampion Rating ValueChampion Icon

Good for

  • Wealthy travellers willing to pay for generous luxury perks
  • Consumers who frequently stay in hotels & golf for leisure
  • Current Citigold banking clients

Bad for

  • Those who spend most of their time in Hong Kong
  • Consumers looking for a no or low-fee card
  • Everyday consumers looking for a no-frills miles card

Wealthy consumers seeking the highest level of luxury travel perks should definitely consider Citi Prestige Card. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles on local retail. On top of this, cardholders earn a yearly "Thank You Gift" of 20k miles and an annual bonus rebate of up to 30% based on their relationship type and tenure with Citi. Consumers also enjoy free 4th nights at any hotel, unlimited complimentary lounge visits, waived green fees at golf courses across SE Asia and more.

Although the card has a high HK$3.8k annual fee and a HK$600,000 minimum income requirement, Citi Prestige Card is still ideal for affluent travellers who place a premium on luxurious perks.

ProsCons
  • 0.250 mi/HK$1 overseas, 0.167 locally
  • 20,000 bonus annual renewal miles
  • Up to 30% annual Citi Relationship bonus
  • Very high HK$600k min. income requirement
  • Very high HK$3.8k non-waivable annual fee
  • Only Citigold clients qual. for Relationship bonus
Promotions:
  • Receive HK$300 supermarket coupon
  • Receive 20k miles when pay 1st yr annual fee of HK$3.8k
Card Overview
Pros:
  • 0.250 mi/HK$1 overseas, 0.167 locally
  • 20,000 bonus annual renewal miles
  • Up to 30% annual Citi Relationship bonus
  • Promotions: Receive HK$300 supermarket coupon
  • Receive 20k miles when pay 1st yr annual fee of HK$3.8k
Cons:
  • Very high HK$600k min. income requirement
  • Very high HK$3.8k non-waivable annual fee
  • Only Citigold clients eligible for Relationship bonus

What Makes Citi Prestige Card Stand Out

Citi Prestige Card is ideal for high-income travellers who prioritise luxury perks. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles per HK$1 local retail. Additionally, cardholders earn bonus Annual Relationship points based on the tenure of their relationship with Citibank, plus a yearly gift of 20k miles without any qualifying restrictions. Even better, Citi Prestige Card offers truly outstanding luxury travel perks. Cardholders enjoy a free 4th night at any hotel with a 4-night minimum booking, unlimited lounge access, waived green fees, complimentary travel insurance and more.

Citi Prestige Card Luxury Perk Details

Luxury PerksDetails
Free 4th Hotel NightsReceive a free 4th night when booking a minimum of 4 consecutive nights at any hotel. Bookings must be made through Citi Prestige Concierge for eligibility
Free Global Airport Lounge AccessPrincipal cardholders can enjoy 1 free lounge visit at any Loungekey Lounge per arrival or departure at each airport. Accompanying guests (including supplementary cardholders) must pay an entrance fee of HK$250 per access
Golf PrivilegesCardholders can enjoy up to 3 complimentary green fee rounds at each club listed below, for a maximum of 18 free rounds. Bookings must be made through Citi Prestige Concierge for eligibility.
  • Mission Hills Golf Club (weekdays or weekends, requires a minimum 1-night stay for every tee time booking)
  • Sentosa Golf Club (weekdays or Sundays PM only)
  • Shenzhen Golf Club (weekdays only)
  • Shenzhen Firestone Golf Club, Dongguan Hillview Golf Club, Long Island Golf & Country Club, Bali National Golf Club, The Els Club Desaru, Red Mountain Golf Club, Montgomerie Links Vietnam (weekdays or weekends)
Complimentary Travel InsuranceFree basic coverage of up to HK$750k travel accident protection insurance, upgrade to Premier Plan coverage of up to HK$1.5m for HK$48 (original price HK$290). Travel fares must be purchased or redeemed with Citi Prestige Card for eligibility
Citi Prestige Luxury Perks
  • Free 4th Hotel Nights:
  • Receive a free 4th night when booking a minimum of 4 consecutive nights at any hotel. Bookings must be made through Citi Prestige Concierge for eligibility
  • Free Global Lounge Access:
  • Principal cardholders can enjoy 1 free lounge visit at any Loungekey Lounge per arrival or departure at each airport. Accompanying guests (including supplementary cardholders) must pay an entrance fee of HK$250 per access
  • Golf Privileges:
  • Cardholders can enjoy up to 3 complimentary green fee rounds at each club listed below, for a maximum of 18 free rounds. Bookings must be made through Citi Prestige Concierge for eligibility
  • Mission Hills Golf Club (weekdays or weekends, requires a minimum 1-night stay for every tee time booking)
  • Sentosa Golf Club (weekdays or Sundays PM only)
  • Shenzhen Golf Club (weekdays only)
  • Shenzhen Firestone Golf Club, Dongguan Hillview Golf Club, Long Island Golf & Country Club, Bali National Golf Club, The Els Club Desaru, Red Mountain Golf Club, Montgomerie Links Vietnam (weekdays or weekends)
  • Free Travel Insurance:
  • ree basic coverage of up to HK$750k travel accident protection insurance, upgrade to Premier Plan coverage of up to HK$1.5m for HK$48 (original price HK$290). Travel fares must be purchased or redeemed with Citi Prestige Card for eligibility

Citi Prestige Card also rewards consumers for their relationship with Citibank. Cardholders earn an annual rebate of up to 15% on all spend based on how long they've been a Citibank customer. Citigold customers for more than 10 years can ultimately earn up to a 30% bonus which could add up to 90k points (approx 7.5k miles) with just HK$100k annual overseas spend.

Annual Relationship Points Earned

Citibank Relationship1 Year2-5 Years6-9 Years≥10 Years
Citigold/ Citigold Private Client10%15%20%30%
Non-Citigold/ Non-Citigold Private Client5%7%10%15%
Citigold status requires minimum of HK$1.5m Average Combined Daily Balance, with Citigold Private Client services requiring a minimum monthly salary of HK$80k and Citigold services requiring a minimum monthly salary of HK$50k

It's important to note that Citi Prestige Card is only available to affluent consumers. The HK$600k minimum income requirement is 4x the market standard of HK$150k. Additionally, unlike many cards which waive their annual fees with some level of annual spend, Citi Prestige Card's expensive HK$3.8k fee is not eligible for any waivers. Although the yearly gift of 20k miles may offset some of this fee, Citi Prestige Card is definitely not for consumers looking to earn affordable, maintenance-free airmiles.

While much of Citi Prestige Card's value is derived from its luxury perk offerings, cardholders also earn at fairly high rewards rates, especially if they're a Citigold client. Altogether, Citi Prestige Card is perfect for affluent consumers who don't mind paying a premium to gain access to the most generous travel perks on the market.

How Does Citi Prestige Card's Rewards Program Work?

Use our quick guide below to learn how you can redeem your credit card rewards.

  • Spend rewarded in Citi ThankYou Points
  • Redemption: 12 Pts=1 Mile, 200 Pts=HK$1 rebate, vouchers at merchant-specific rates
  • No miles conversion fees for participating loyalty programs
  • Upon card termination for any reason, points and rewards are automatically forfeited

Citi Prestige Card's Features and Benefits:

Card Overview
  • Annual Fee: HKD 3,800
  • Income Requirement: HKD 600,000
Rewards Rate Details
  • Earn 0.250 miles (3 pts) per HK$1 overseas spend
  • Earn 0.167 miles (2 pts) per HK$1 local spend
Benefits & Perks
  • Yearly "Thank You Gift" of 20k miles, from 2nd year onward
  • Up to 30% annual Citi Relationship bonus
  • 4th night free at any hotel booked by Citi Prestige Concierge
  • Unlimited free lounge access
  • Up to 18 free green fees/yr at select golf courses in Asia
  • Free travel insurance
  • Purchase Protection, Extended Warranty & Wallet Guard
Promotions:
  • Receive HK$300 supermarket coupon
  • Receive 20k miles when pay 1st yr annual fee of HK$3.8k

Citi Prestige Card's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

Cash advances; fees and charges; withdrawal amount under the Balance Transfer Program; Cash Conversion Program and “Quick Cash” Installment Program; payment to the Inland Revenue Department; online bill payment; transactions through Faster Payment System (FPS) Service; dynamic currency conversion transactions, or unposted/ cancelled/ refunded transactions
Casino transactions
NOTE: Overseas and online foreign currency transactions are defined as transactions settled in currencies except Hong Kong dollar, Renminbi or Macau Patacas (including internet transactions)

How does Citi Prestige Card Compare Against Other Cards?

Read our comparisons of Citi Prestige Card with other cards and determine what makes each card unique. We analyse each card to highlight its uniqueness to help you identify the card you need.

Graph showing some of Hong Kong's best credit cards in terms of value-to-consumer after two years, based on an average monthly spend of HK$36,000
Citi Prestige Card v. American Express Cathay Pacific Elite Credit Card
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 10 free lounge visits + 0.333 miles/HK$1 w/ Cathay Pacific
  • Read Our Full Review
Cathay Pacific loyalists who want free lounge visits and waived fees should consider American Express Cathay Pacific Elite Credit Card. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles on local retail, the same competitive miles rates as those offered by Citi Prestige Card. However, Amex Cathay Pacific Elite cardholders also earn 0.333 miles per HK$1 of Cathay Pacific flight booking spend. This makes the card especially rewarding for consumers who don't mind commiting to one airline.


Like the Citi Prestige Card, Amex Cathay Pacific Elite offers consumers free lounge visits with no spend requirements or airline restrictions. Although the free lounge access is capped to 10 visits/year, cardholders pay a much lower HK$1.8k annual fee–which is even waived with HK$150k spend per year. While it may not offer the same extent of luxury perks, Amex Cathay Pacific Elite is a great fit for Cathay Pacific loyalists who want free lounge visits without paying an annual fee.

Citi Prestige Card v. Citi PremierMiles Card
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: Up to 0.333 miles per HK$1 spend overseas
  • Read Our Full Review
Citi PremierMiles Card is great for consumers who want to earn high miles rates on their overseas and online spend, without paying high annual fees. Cardholders earn 0.250 miles per HK$1 spend online and overseas, boosted to 0.333 miles with at least HK$20k spend per month. For consumers who can meet this monthly spend requirement, this is a notably higher miles rate in these categories than what is provided by Citi Prestige Card.


Citi PremierMiles Card is also far more accessible. Cardholders pay an annual fee of just HK$1.8k–less than half the fee of Citi Prestige–which can even be waived by spending HK$100k per year. Finally, Citi PremierMiles Card has a minimum income requirement of HK$240k, far less than Citi Prestige's HK$600k requirement. Altogether, consumers seeking a more accessible option to rapidly earn airmiles should definitely consider Citi PremierMiles Card.

Citi Prestige Card v. DBS Black World Mastercard
  • Annual Fee: HKD 2,000
  • Stand-Out: 45% discount on flights when redeeming miles through iGO
  • Read Our Full Review
Compared to Citi Prestige Card, DBS Black World Mastercard offers consumers an accessible option to earn the same high miles rates, as well as exclusive flight discounts. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles on local retail. Similar to Citi Prestige Card, miles earned with DBS Black World Mastercard can be redeemed at several major airlines with no conversion fees. However, DBS Black World cardholders can also enjoy 45% discounts on flights when redeeming their miles through DBS's iGO Platform.


DBS Black World Mastercard is also more accessible than Citi Prestige, with a minimum income requirement of HK$240k, compared to the latter's HK$600k requirement. However, this accessibility comes at at cost, as DBS Black World Mastercard does not offer any luxury perks. Nonetheless, DBS Black World Mastercard offers consumers an easy and more accessible way to earn high airmiles rates while enjoying discounted flights.

Citi Prestige Card v. CCB Hong Kong Airlines Fly Away Credit Card
  • Annual Fee: Free
  • Stand-Out: 0.250 FWC points/HK$1 spend w/ HKA, no annual fee
CCB Hong Kong Airlines Fly Away Credit Card is great for HKA loyalists seeking to earn impressive rewards rates and enjoy free lounge visits, without paying an annual fee. Cardholders earn 0.250 FWC points (the loyalty rewards currency of Hainan Airlines' Fortune Wings Club) per HK$1 spend on HKA flights and overseas, and 0.167 FWC points on local retail. FWC points are roughly equal in value to Asia Miles. Additionally, cardholders can enjoy 5 free lounge visits per year at HKIA when departing on HKA flights. While this lounge benefit is far less generous than the one offered by Citi Prestige Card, it may be more than enough for consumers who only travel a couple of times a year.


Additionally, CCB Hong Kong Airlines Fly Away Card has no annual fee and a minimum income requirement of only HK$150k. This makes it much more accessible than Citi Prestige Card, whose annual fee and minimum income requirement are the highest on the market. Altogether, HKA loyalists looking for a maintenance-free way to earn rewards on their spend should definitely consider CCB Hong Kong Airlines Fly Away Card.

Citi Prestige v. Amex Cathay Pacific Elite
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 10 free lounge visits + 0.333 miles/HK$1 w/ Cathay Pacific
Cathay Pacific loyalists who want free lounge visits and waived fees should consider American Express Cathay Pacific Elite Credit Card. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles on local retail, the same competitive miles rates as those offered by Citi Prestige Card. However, Amex Cathay Pacific Elite cardholders also earn 0.333 miles per HK$1 of Cathay Pacific flight booking spend. This makes the card especially rewarding for consumers who don't mind commiting to one airline.


Like the Citi Prestige Card, Amex Cathay Pacific Elite offers consumers free lounge visits with no spend requirements or airline restrictions. Although the free lounge access is capped to 10 visits/year, cardholders pay a much lower HK$1.8k annual fee–which is even waived with HK$150k spend per year. While it may not offer the same extent of luxury perks, Amex Cathay Pacific Elite is a great fit for Cathay Pacific loyalists who want free lounge visits without paying an annual fee.

Citi Prestige Card v. Citi PremierMiles Card
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: Up to 0.333 miles per HK$1 spend overseas
Citi PremierMiles Card is great for consumers who want to earn high miles rates on their overseas and online spend, without paying high annual fees. Cardholders earn 0.250 miles per HK$1 spend online and overseas, boosted to 0.333 miles with at least HK$20k spend per month. For consumers who can meet this monthly spend requirement, this is a notably higher miles rate in these categories than what is provided by Citi Prestige Card.


Citi PremierMiles Card is also far more accessible. Cardholders pay an annual fee of just HK$1.8k–less than half the fee of Citi Prestige–which can even be waived by spending HK$100k per year. Finally, Citi PremierMiles Card has a minimum income requirement of HK$240k, far less than Citi Prestige's HK$600k requirement. Altogether, consumers seeking a more accessible option to rapidly earn airmiles should definitely consider Citi PremierMiles Card.

Citi Prestige Card v. DBS Black World
  • Annual Fee: HKD 2,000
  • Stand-Out: 45% discount on flights when redeeming miles through iGO
Compared to Citi Prestige Card, DBS Black World Mastercard offers consumers an accessible option to earn the same high miles rates, as well as exclusive flight discounts. Cardholders earn 0.250 miles per HK$1 spend overseas and 0.167 miles on local retail. Similar to Citi Prestige Card, miles earned with DBS Black World Mastercard can be redeemed at several major airlines with no conversion fees. However, DBS Black World cardholders can also enjoy 45% discounts on flights when redeeming their miles through DBS's iGO Platform.


DBS Black World Mastercard is also more accessible than Citi Prestige, with a minimum income requirement of HK$240k, compared to the latter's HK$600k requirement. However, this accessibility comes at at cost, as DBS Black World Mastercard does not offer any luxury perks. Nonetheless, DBS Black World Mastercard offers consumers an easy and more accessible way to earn high airmiles rates while enjoying discounted flights.

Citi Prestige Card v. CCB HKA Fly Away
  • Annual Fee: Free
  • Stand-Out: 0.250 FWC points/HK$1 spend w/ HKA, no annual fee
CCB Hong Kong Airlines Fly Away Credit Card is great for HKA loyalists seeking to earn impressive rewards rates and enjoy free lounge visits, without paying an annual fee. Cardholders earn 0.250 FWC points (the loyalty rewards currency of Hainan Airlines' Fortune Wings Club) per HK$1 spend on HKA flights and overseas, and 0.167 FWC points on local retail. FWC points are roughly equal in value to Asia Miles. Additionally, cardholders can enjoy 5 free lounge visits per year at HKIA when departing on HKA flights. While this lounge benefit is far less generous than the one offered by Citi Prestige Card, it may be more than enough for consumers who only travel a couple of times a year.


Additionally, CCB Hong Kong Airlines Fly Away Card has no annual fee and a minimum income requirement of only HK$150k. This makes it much more accessible than Citi Prestige Card, whose annual fee and minimum income requirement are the highest on the market. Altogether, HKA loyalists looking for a maintenance-free way to earn rewards on their spend should definitely consider CCB Hong Kong Airlines Fly Away Card.

Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.