Citi Prestige Card

Read Singsaver’s full review of the Citi Prestige Credit Card

Pros & cons

Who is this card for

The Citi Prestige Credit Card is best suited for Singaporeans who travel frequently and want to enjoy premium perks like unlimited lounge access, luxury hotel upgrades, and concierge services. If you’re booking overseas trips, planning special occasions, or keen to maximise air miles with flexible transfer options, this card offers strong value. It's ideal for those who want comfort, rewards, and convenience wrapped into one, especially if you're already spending big on travel, dining, or lifestyle experiences.

Compare to other cards

When it comes to premium air miles credit cards, the Citi Prestige Credit Card, HSBC Visa Infinite Credit Card, and DBS Altitude Visa Signature Card each cater to different types of travellers. In terms of earn rates, HSBC Visa Infinite stands out with 2.25 miles per $1 on overseas spend, followed by Citi Prestige at 2 miles per $1. DBS Altitude offers a solid 2 miles per $1 overseas too, but shines with 3 miles per $1 on online flight and hotel bookings—perfect for those who plan their trips through platforms like Agoda or directly with airlines.

For lounge access, both Citi Prestige and HSBC Visa Infinite offer unlimited Priority Pass access globally, with Citi also extending this benefit to supplementary cardholders. DBS Altitude, on the other hand, offers just two complimentary lounge visits per year, which may suit occasional travellers. When it comes to annual fees, DBS Altitude is the most affordable at $194.40, with a waiver available if you spend $25,000 in a year. Citi Prestige and HSBC Visa Infinite charge higher fees at $545 and $662.15 respectively, and these are not waivable, though they do come with high-end travel and lifestyle perks.

If premium travel experiences are your priority, Citi Prestige offers a unique 4th Night Free hotel benefit, green fees at selected golf courses, and 24/7 concierge services. HSBC Visa Infinite isn’t too shabby too with up to four complimentary airport limousine transfers per quarter (with minimum spend), exclusive dining offers via The Entertainer, and up to U$2 million in travel insurance. Meanwhile, the DBS Altitude is a reliable all-rounder for miles accumulation, particularly if you want points that don’t expire and flexible redemptions through the DBS Travel Marketplace.

Citi Prestige Credit Card

Interest rate: 27.9%

Annual fee: $545

Minimum annual income:

• $120,000 for Singaporeans, PRs, and foreigners

Benefits:

• Earn 2 miles per $1 on overseas spend, 1.3 miles locally
• Unlimited Priority Pass access for primary and supplementary cardholders
• 4th Night Free benefit at hotels when booked through Citi Concierge
• Exclusive offers on shopping, dining, travel through Citi World Privileges
• 24/7 Citi Prestige Concierge for travel and lifestyle services
• Complimentary green fees at selected golf courses in Asia
• Flexible miles transfers to over 10 airline loyalty programmes
• Free supplementary card
• Up to $1 million in complimentary travel insurance coverage when the full fare is charged to the card

HSBC Visa Infinite Credit Card

Interest rate: 27.8%

AnCiti Prestige Credit Card

Interest rate: 27.9%

Annual fee: $545

Minimum annual income:

• $120,000 for Singaporeans, PRs, and foreigners

Benefits:

• Earn 2 miles per $1 on overseas spend, 1.3 miles locally
• Unlimited Priority Pass access for primary and supplementary cardholders
• 4th Night Free benefit at hotels when booked through Citi Concierge
• Exclusive offers on shopping, dining, travel through Citi World Privileges
• 24/7 Citi Prestige Concierge for travel and lifestyle services
• Complimentary green fees at selected golf courses in Asia
• Flexible miles transfers to over 10 airline loyalty programmes
• Free supplementary card

Up to $1 million in complimentary travel insurance coverage when the full fare is charged to the cardnual fee: $662.15

Minimum annual income:

• $120,000 for Singaporeans, PRs, and foreigners

Benefits:

• Earn 2.25 miles per $1 on overseas spend, 1.25 miles locally
• Unlimited access to over 1,100 Priority Pass lounges worldwide
• Up to 4 complimentary airport limousine transfers per quarter (with min. spend)
• Access to The Entertainer with HSBC (1-for-1 dining, lifestyle deals)
• HSBC WOW Weekends: Dining, shopping, travel perks
• Free supplementary card
• Concierge service and hotel privileges via Visa Infinite Luxury Hotel Collection
• Complimentary travel insurance of up to U$2 million

DBS Altitude Visa Signature Card

Interest rate: 27.8%

Annual fee: $194.40 (waived with min. $25,000 annual spend)

Minimum annual income:

• $30,000 for Singaporeans and PRs
• $45,000 for foreigners

Benefits:

• Earn 3 miles per $1 on online flight and hotel bookings
• Earn 2 miles per $1 overseas, 1.2 miles locally
• 2 free Priority Pass lounge visits per year
• Miles never expire—great for long-term travel planning
• Redeem miles for flights, hotel stays, or travel bookings via DBS Travel Marketplace
• Free supplementary card
• Up to $1 million in complimentary travel insurance coverage when the full fare is charged to the card

Credit card application resources

Not sure if this is the right card for you? Check out our top-rated credit cards by category to find one that suits your spending habits and lifestyle:

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Frequently Asked Questions