Citi Prestige Card Bonus MCC Categories
The Citi Prestige Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Foreign Currency Spend — 2.0 MPD
FCY spend earns 5 ThankYou Points per S$1 (2.0 MPD at the 2.5:1 conversion); local SGD earns 3.25 TYP/S$1 (1.3 MPD).
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency Spend | All | Overseas retailers, Hotels (4th night free), Overseas dining |
Tips to Maximize Citi Prestige Card Rewards
- ThankYou Points convert at 2.5:1 to miles (0.4 miles/point) — headline point rates overstate the miles yield
- 4th night free books via concierge: 4 consecutive nights, 100% prepaid, suites/villas excluded; rebate reverses on cancellation
- S$651.82 fee is non-waivable (except the Citigold PC acquisition route); min income S$120,000
- 12 Priority Pass visits/year for the principal cardholder
Frequently Asked Questions
Which MCCs are excluded from Citi Prestige?
Per the Rewards Exclusion List (card listed at ¶1(b); 8062 per footnote): the same exclusion set as PremierMiles — 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7800, 7995, 4829, 4900, 5199, 5960, 6012, 6050, 6051, 6211, 6300, 6513, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8062, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9754, 5993.
How does the Citi Prestige 4th night free work?
Book 4+ consecutive nights via Citi concierge, 100% prepaid. The cheapest night is credited as a statement rebate within up to 90 days and reverses if the booking is cancelled.
Is Citi Prestige worth the annual fee?
Mainly for heavy hotel users: one 4th-night-free redemption on an expensive hotel can exceed the S$651.82 fee, plus 12 lounge visits. Pure miles earners get better value elsewhere.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.