Citibank Ultima Credit Card
KeepCiti India's top card before Prestige — sold entirely on a lounge, a concierge and a golf tee.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes a fee schedule AND an earn table — we have neither number, so there is nothing to net off against nothing. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Citibank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #900
Why #900 The top of Citi India's range before Prestige, and the only pre-migration Citi card whose masthead led with a lounge. Carried unpriced because Citi published no fee and no rate for it anywhere — which is itself the most interesting fact about how it was sold.
The take
The Ultima sat at the top of Citi India's ladder and it was sold the way super-premium cards were sold before anybody thought to publish a rate: on three lines of benefit and a callback form. Across every capture that survives — one from 2009 and two from Citi's later template — the page names complimentary access to VIP international airport lounges, complimentary rounds of golf hosted through the year, a round-the-clock dedicated concierge, and a personal air accident cover of ₹1 crore. There is no fee block on the page and no rewards section either, which is unusual enough to be the story: every other card in the range prints both in the same accordion on the same template, and this one prints neither. So what this desk can tell you is what Citi chose to say, and what it chose to say is that the card opened a lounge door and answered the phone. The lounge entitlement is real and is the only complimentary one anywhere in Citi India's pre-migration range apart from the Diners Club card — but the rooms are not in our map, Citi named no operator and no airport, and no cardAccess row was written. It is long withdrawn; Citi Prestige is the super-premium card that made it to the Axis handover.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee schedule AND an earn table — we have neither number, so there is nothing to net off against nothing. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Citibank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Complimentary access to VIP international airport lounges worldwide — a real entitlement, not a discounted membership like the Platinum's
- Complimentary rounds of golf hosted through the year
- A dedicated concierge, round the clock, on Citi's own line
- Personal air accident insurance of up to ₹1 crore
Watch out
- WITHDRAWN — gone from Citi India's range before the Axis Bank handover, and not one of the nine products on Axis's Forward Together site
- CITI PUBLISHED NO FEE FOR THIS CARD ANYWHERE: every surviving capture of the product page carries a benefit list and a callback form and no fee block at all, so it is carried unpriced
- CITI ALSO PUBLISHED NO REWARDS PROGRAMME: no rate, no catalogue, no conversion on any capture, so there is nothing to value
- THE LOUNGE DOORS ARE NOT IN OUR MAP: Citi named neither the operator nor a single airport, so no cardAccess row was written and this card opens nothing on /lounges
- The golf benefit was hosted rather than open — Citi published no course list and no round count
What these points actually fly
Citibank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. The card was withdrawn from Citi India's range before the bank sold its Indian consumer business to Axis Bank, and citibank.co.in no longer resolves. Citi's page never carried an apply button for it — only a callback form — and its successor at the top of the range, Citi Prestige, is on this board.
Citibank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
7 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Apr 2021Citi announces exit from Indian consumer bankingCiti credit cards, retail and wealth in India → Consumer business up for sale (later to Axis)
Citi called time on its Indian consumer arm — including its cult PremierMiles and Rewards cards — citing a lack of scale. The portfolio would eventually pass to Axis, ending one of India's most-loved rewards ecosystems.
- 12 Oct 2019Citi India guts reward earning on utilities, insurance, and tax
- 1 Dec 2017Citi PremierMiles' 10X 'Extra' partner program dies for good
- 1 Apr 2016Citi Prestige strips Etihad Guest Gold and partner perks
- 1 Feb 2015Citi PremierMiles doubles the cost of transferring to airline partners
- 16 Jul 2012Citibank kills Jet Airways co-brand, pivots to PremierMiles
- 16 Jul 2012Citibank Retires 13-Year Jet Airways Co-Brand, Launches PremierMiles
Every Citibank change we've dated → 7 events since 2012, 4 of them nerfs — worst year 2019.
Verified against Citibank's own documents on
Not published , and we will not invent it: the annual fee · the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official Citibank India's own Ultima Credit Card product page (archived 10-Apr-2014) — the lounge, golf and concierge benefits, and a page carrying no fee block and no rewards section
- official "Forward Together", Axis Bank's Citi-transition site — the closed nine-product set Citi India still had at the handover, which carries Citi Prestige and not the Ultima