Citibank Prestige Credit Card vs Citibank PremierMiles Credit Card

Citibank Prestige Credit Card and Citibank PremierMiles Credit Card offered by Citi Bank are travel credit cards that are best suited for people who are frequent fliers, whether domestic or international. The Citibank Prestige Credit Card is curated for the high net worth individuals of the society who travel pretty frequently by providing them with the best-in-class travel services like complimentary night stays at any hotel around the world, unlimited access to national and international lounges around the world through Priority Pass, etc. Not only these, but this card also lets the card members enjoy golf rounds. In addition to all this, cardholders also get rewarded for all their domestic and international spends done with their credit card. This card comes with a pretty high joining fee of Rs. 20,000 but is quite justified with respect to the luxurious benefits that this card provides to its members.

The second credit card by Citi Bank, i.e., the Citibank PremierMiles Credit Card, is also a travel credit card but is best suitable for those who are frequent domestic travelers as this card provides benefits like access to lounges within India. This card also provides you with reward points while you spend using your credit card and accelerated reward points while you spend on airline transactions. You can also enjoy discounts on your dining bills while you dine at the partnered restaurants and pay using this card. The rewards points earned with this credit card are credited to your account in the form of Miles which can be redeemed for various options available.

Both the credit cards by Citi Bank provide benefits to its members on the basis of their spends and travel. Apart from travel benefits, these cards also provide you with other benefits while you make transactions using these credit cards. Keep continuing the article to know more about the benefits and features that the individual card provides in detail:-

Citibank Prestige Credit Card

Citibank Prestige Credit Card by Citi Bank is a super premium travel credit card that has been specially curated for the elite section of society who love to travel in style and a luxurious manner. This card provides you with a welcome benefit as bonus reward points. Additionally, you also earn reward points on all your international and domestic spends with the help of this credit card. Below mentioned are the details of all the features and benefits of owning this credit card –

• The cardholder gets the following as a welcome benefit to this credit card –

– 2,500 bonus reward points
– The cardholders may either get a single voucher worth Rs. 10,000 from the Taj Group or might get 4 vouchers amounting to Rs. 2,500 each from the ITC Hotels.

• The vouchers can also be used to make partial payments and the welcome benefit vouchers will be credited to your account within 60 days from the date of the first transaction made using this credit card.
• The cardholders will get 1 RP on every Rs. 100 spent on all domestic spending.
• Accelerated 2x Reward Points on every Rs. 100 spent on international transactions.
• With complimentary Priority Pass membership, the cardholders and the add-on cardholders get unlimited access to domestic as well as international lounges.
• The cardholders will get an extra night’s stay at any partnered hotel around the globe on a minimum booking of 4 nights at the hotel. This will be applicable if the cardholder is making a booking through Citi Bank’s concierge service.
• You get complimentary memberships like the Taj Epicure Plus Plan and InnerCircle Silver Membership.
• The cardholders also enjoy the sports benefit of 4 complimentary golf rounds and 4 golf lessons each every year at 15 premium golf destinations in India.
• The cardholder can get additional golf lessons for every Rs. 50,000 spent using this credit card.
• You will also get a fuel surcharge waiver of 1% at all fuel stations in India.
• The rewards earned with the Citibank Prestige Credit Card can be redeemed for purchasing gift vouchers for renowned brands and electronic items available in the Citi Prestige Reward Catalog.
• The reward points can also be transferred to the partnered airlines’ frequent flyer program, such as AirMiles. The partnered airlines include – Air India, Eva Air, Singapore Airlines, British Airways InterMiles, Cathay Pacific Malaysia Airlines, Etihad Airways, Virgin Atlantic Thai Airways, Qantas Flying Blue (Air France and KLM), and Qatar Airways Turkish Airlines. For redemption purposes, 1 Reward Point = 4 AirMiles
• The reward points can also be transferred to the partnered hotel loyalty programs, which include IHG Rewards Club and Taj InnerCircle. Here, 1 Reward Point = 4 IHG Points and 1 Reward Point = 1 Taj InnerCircle.
• The reward points can be redeemed for shopping via SMS and can be used to pay the card’s outstanding balance.

Check here: Citi Prestige Credit Card Review.

Citibank PremierMiles Credit Card

The Citibank PremierMiles Credit Card is a travel credit card that is particularly designed for people who are very frequent domestic travelers. The rewards earned with this credit card are credited to your account in the form of AirMiles which can be redeemed for either booking flight tickets of the partnered airlines or can be redeemed for various products as well. As this card is a travel credit card, you get accelerated miles while you spend on airline transactions using this credit card. You also get access to visit the domestic lounges on the basis of the card variant you own. This card has a membership fee of Rs. 3,000 but, in return, offers exclusive travel deals and other benefits to the cardholders. To know more about the features and benefits of this credit card, read below the details: –

• As a welcome benefit, the cardholder gets 10,000 Miles once you have successfully paid the joining fee of the Citibank PremierMiles Credit Card. You also get 3,000 Miles every year on the renewal of the credit card.
• The cardholders get 4 miles for every Rs. 100 spent on all transactions using their credit card.
• You get accelerated 10 Miles for every Rs. 100 spent on all airline transactions and while spending on premiermiles.co.in.
• The cardholders can enjoy authentic cuisines by getting up to a minimum of 20% off on their dining bills while dining out at the partnered restaurants.
• The cardholders who own the Visa variant of this credit card will get 8 complimentary domestic lounge access in a quarter, and those who own the Mastercard variant will get 6 complimentary domestic lounge access in a quarter.
• The cardholders are also entitled to get 1 % fuel surcharge waiver at all fuel stations in the country.
• The miles earned with this card can be redeemed against various options present with the bank.

• The Miles earned can also be transferred to partner airlines and hotel loyalty programs.

Check here: Citi Premiermiles Credit Card Review

Quick Comparison

As we have already discussed the features and benefits of both the cards and moving forward we are going to compare them in the table below –

Basis	Citibank Prestige Credit Card	Citibank PremierMiles Credit Card
Reward Rate	1 RP on every Rs. 100 spent on domestic expenses 2 RP on every Rs. 100 spent on international expenses	,4 miles for every Rs. 100 spent on all domestic transactions 10 miles for every Rs. 100 spent on international transactions
Reward Redemption	The RPs can be redeemed for purchasing products available on the Citi Prestige Reward Catalog. The RPs can also be transferred to partnered airlines and hotel loyalty programs	. The Miles are redeemable against a variety of options available.
Fuel Surcharge Waiver	1%	1%
Welcome Benefits	2,500 bonus RPs Either a voucher worth Rs. 10,000 from the Taj Group or 4 coupons worth up to Rs. 2,500 each from ITC Hotels	10,000 Miles as a welcome benefit 3,000 Miles every year on renewal of the card membership
Dining and Movie Benefits	50% discount on booking movie tickets through BookMyShow	20% off on dining bills
Domestic Lounge Access	Unlimited with Priority Pass	6 per quarter for Mastercard variant holders 8 per quarter for Visa variant holders
International Lounge Access	Unlimited with Priority Pass	NA
Joining Fee	Rs. 20,000 + Taxes	Rs. 3,000 + Taxes
Renewal Fees	Rs. 20,00 + Taxes	Rs. 3,000 + Taxes
Eligibility	Issued to salaried and self-employed individuals The individual must be 21 years or above in age. He should be earning a minimum of Rs. 25 Lakhs in a year.	Can be Issued to a salaried person  and self-employed individuals The individuals must be in the age bracket of 23 years to 70 years. A stable income source and a good credit score is essential.

Bottom Line

Both these cards are basic travel credit cards that are best suited for people who travel quite frequently, whether domestically or internationally. While the Citibank Prestige Credit Card is a premium credit card, it comes with a quite high annual fee of Rs. 20,000. But if an individual is comfortable with paying this yearly fee, this credit card is one of the best travel credit cards as you get excellent AirMiles. At the same time, you transfer the reward points to partnered airlines AirMiles’ program. Apart from this, you also get excellent benefits with this credit card, like unlimited access to domestic and international airport lounges, complimentary golf lessons, an extra night’s stay at the hotel, and much more.

On the other hand, the Citibank PremierMiles Credit Card is also a travel card placed at a joining fee of Rs. 3,000 but is more suitable for those who travel within the country. This card lets you earn higher reward points when you spend on airline transactions using this credit card. Along with this, you also get a discount on your dining bills while you dine at the partnered restaurants. Both cards provide unmatched benefits in their categories but are placed at high joining and renewal fees. The customers will have to choose among the two on the basis of their travel frequencies and consider other benefits of the cards as well.