Credit Card Compare

Citi Prestige Card

Data last updated 23 October 2026
27.90%
Purchase rate
S$651.82
Annual fee
112,500
Bonus points
Application

CardIQ

60Good

Good

Overall score, out of 100 · How this works

  • Airport lounge54
  • Rewards63
  • Sign-up bonus67
  • Travel55

Customer reviews

No reviews yet. Be the first to review the Citi Prestige Card.

Pros & cons

What's good

  • 112,500 bonus points to start, worth around S$680 at our 0.6c-per-point valuation.
  • Complimentary airport lounge access (12 visits a year).
  • No fee to add an additional cardholder.

Worth noting

  • S$651.82 inclusive of 9% GST (S$598 before GST) for first year; same rate applies on renewal. Supplementary card annual fee is free. No waiver mentioned for standard customers; one-time annual fee waiver available for Citigold Private Client Accredited Investor customers under a separate promotion. The S$652 annual fee is still high for a Signature card, where the typical fee is about S$98.
  • Requires a minimum income of S$120,000 a year.

Card details

The basics

Additional cardholder fee
S$0 p.a.
Card tier
Signature
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Citi ThankYou Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$120,000 p.a.
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
27.90% p.a.
Purchases
27.90% p.a.

Fees

Additional cardholder fee
S$0
Annual fee
S$651.82 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 25 days on purchases
Minimum repayment
Greater of (a) 1% of current balance + 1% of unbilled instalment amounts + all interest charges + upfront service fees + late payment charges, or (b) S$50; plus any overdue amounts. Full balance if under S$50.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
S$14,000 in 2 months (new to Citi Prestige cardmembers); S$10,000 (Citigold Private Client) or S$12,000 (Citigold) in 2 months for existing/aspiring Citigold customers
Sign-up bonus
112,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Sign-up bonusS$675Best in market (1st of 7 cards)
Interest-free days25 daysTied for best (1st of 17 cards)
Overseas fee3.25%Better than most (6th of 19 cards)
Purchase rate27.90%Middle of the market (9th of 19 cards)
Annual feeS$652 a yearAmong the most expensive (19th of 19 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Citi