Citi has finally launched a premium reward card. Citigroup Elite Card (See Interest Rates and Fees), it offers premium allowances, bonus rates in selected categories, and other notable gains.
Plus, this card is the world’s first World Legend Mastercard, a new premium layer for the World Elite Mastercard, offering exclusive dining, lifestyle and travel allowances. As a payment network, Mastercard takes this opportunity to challenge its long-time rival Visa.
Let’s review what the benefits of World Legend Mastercard are and how the Citigroup elite cardholders maximize them.
What is World Legend Mastercard?
MasterCard is part of the MasterCard Collection and is the latest category to be added. The following are arranged in the lowest to the highest order:
- World Mastercard
- World Elite Mastercard
- World Legend Mastercard
The world’s elite Mastercard is the most famous on the market, including cards Citi Layer Premier® Card (See rates and fees) and Chase FreedomFlex® (See rates and fees).
The New World Legend Mastercard program competes with Visa Infinite by enabling cardholders to obtain membership, allowances and even declare credits. Currently, the Citigroup Elite is the world legend Mastercard, but we won’t be surprised to see the portfolio grow in the coming years.
Related: Comparison of visa signatures and world elite Mastercard benefits
What are the benefits of World Legend Mastercard?
The Mastercard benefits of the World Legend can be divided into two categories: Partner benefits and Mastercard benefits. To maximize the benefits of your partner, you must join the merchant, add your card to your account, or spend on the Citigroup Elite Card.
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MasterCard benefits are provided by the network and can work with partners including MasterCard services or offers.
World Legend Mastercard Partner Benefits
ALO Mobile
Cardholders receive membership discounts and other ALO privileges. Get up to 50% off on ALO MOVES membership; upon registration, you will also receive 300 bonus points in ALO Access, ALO loyalty program. You will also get a 20% discount on ALO gear and health products. The offer expires on September 30, 2025.
If you buy sportswear and take online health classes, this is a great way to save some of these costs. Otherwise, this privilege is not that useful and therefore does not add additional value to the elite cardholders of Citigroup.
booking.com discounts
As a Mastercard holder of World Legend, you will get up to 7% advance payments on Booking.com. The offer ended on September 30, 2025. While this is not a major benefit, saving money on your next stay can be useful. To take advantage of this, you just need to pay with a card at checkout.
Remember that booking with online travel agencies has pros and cons; the main disadvantage is sacrificing elite benefits and missing out on points for elite eligibility and paid treatment.
Related: Why You Don’t Earn Hotel Points when Booking Through Online Travel Agency
Healthlock
Cardholders can register HealthLock for Mastercard Medical Speart Monitor for free membership and receive a 90-day upgrade to all Healthlock services for a monthly fee. To activate your membership, visit the HealthLock website and enter your Citigroup Elite Card Number.
Instacart+ and statement credit
Cardholders receive new subscriptions each month and receive a three-month free trial of a new second qualified Instacart purchase. The offer ended on January 31, 2027.
Instacart+ costs $9.99 per month, so a three-month trial saves you about $30. If you maximize your $10 per two orders per month, you can save $120 in groceries per year.
Several shared chase cards also offer the same three-month trial membership and $10 credit, so this offer isn’t unique to World Legend Mastercard.
Lyft Credit
The cardholder earned $5 in credit through Lyft after completing three rides in a month. You can also benefit from 10% off on all booked rides at U.S. airports, but you have to pay with your Citigroup Elite Card. The offer ended on January 31, 2026.
The world’s elite All-Throughs also offers this revitalization, so it is not unique to the elite cardholders of the Citi class. This is definitely not a benefit or bankruptcy for potential cardholders.
Compared with other cards Chase SapphireReserve® (See interest rates and fees), with $10 per month in Lyft credit (as of September 30, 2027), the world legend Mastercard credit requires more spending and effort.
Mastercard bus benefits
With World Legend Mastercard, you can save money when you tap and enter participating transit locations. After spending $10 or more per month, get a stated credit of $2.50. Participated in transit agencies include:
- Boston: Massachusetts Bay Transportation Authority
- Chicago: Chicago Transportation Authority and Step Suburban Bus
- Dallas: Rapid Transportation in Dallas Area
- Miami-Dade County, Florida: Miami-Dade County Department of Transportation and Public Works
- New York/New Jersey: Port Authority Transgender and New Jersey Bus Company
- Philadelphia: Southeast Pennsylvania Transportation Administration
- Washington, DC: Washington Metropolitan Regional Transportation Bureau
To qualify, you must make contactless payments at the admissions point, and you can get benefits if you spend $10 per month on each qualified city and its transportation system. Interestingly, it lacks some well-known bus systems, such as the Bay Area Express Transit in San Francisco and the surrounding area.
Related: Best Credit Cards for Commuting Fees
Peacock Subscription Credit
The valuable allowance for the elite cardholders of Citigroup is Peacock Subscription Credit. World Legend Mastercard can enjoy $5 per month for Peacock Premium or Peacock Premium Discount. The offer ends on December 31, 2025.
Peacock premium plus subscription costs $16.99 per month (plus tax), and a $5 declared credit reduces the monthly cost to $11.99. Meanwhile, the Peacock Premium subscription costs $10.99 per month (plus tax), and the cardholder receives a $3 statement credit, reducing its monthly fee to $7.99. If you’re already paying for Peacock, then this will pay for some, which is great.
Unfortunately, credit is not enough to provide a credit from a competitor’s statement to cover the full cost of a streaming or entertainment subscription.
Related: How to use Amex Platinum Digital Entertainment Credit
Priority to pass membership
Today, premium credit cards that offer lounges are the norm. With the World Legend Mastercard, both the main cardholders and authorized users can get a free Priority Pass lounge, where they can invite up to two guests.
In addition to visiting the lounge, cardholders can also offer special offers and discounts on dining, retail and spa experiences within the airport terminal. For the Mastercard, it is competitive to include a restaurant access at the airport terminal to make it infinitely different from the visa; however, it misses the mark.
Remember that elite Citibank cardholders receive four Admiral Club Passes for each calendar year, a unique perk for this card.
ResortPass
If you are interested in experiencing the hotel and its amenities, such as a spa, ResortPass is a great benefit. It offers access to a number of destination resorts, pools or water parks, as well as a wide variety of property options. When using a qualified card, you can get a $30 stated credit on your next resort booking. The offer ended on September 30, 2025.
Want to experience the conveniences of another hotel while on vacation or while on a cruise? ResortPass can be a fun way to enjoy real estate without paying for an evening stay. But spending $200 on Resortpass may not be worth it for most people, who would rather pay more for nighttime stays.
Related: Cruiser’s Resort Pass: Why I Still Love the Idea despite the rains that ruined my first experience
SOHO Friends Membership
Soho Friends is a travel and lifestyle program from Soho House, a private member club with locations worldwide. Soho House operates clubs, hotels, restaurants and other venues. World Legend Mastercard card holders receive a free year from SOHO friends. The offer ended on December 31, 2027. This enables cardholders to stay in all SOHO home bedrooms worldwide.
Enjoy 15% off the home fee, check out at 12pm and upgrade for three nights or more (if available on arrival). You can also get 15% off on full price and discounted products at SOHO Home.
One of the best benefits is the ability to access the Soho house while living in the bedroom. This is an amazing and underrated privilege, as membership in Soho House can be difficult to obtain due to its lengthy application and interview process, not to mention a long waitlist.
In the Mastercard welfare list of World Legends, I see it as the best revitalization that world legends must provide for elite cardholders of Citi class.
To register, visit the website.
Related: Exclusive: Founder and CEO of Soho House reveals major North American expansion plans
The direct benefits of World Legend Mastercard
Mastercard offers the following benefits directly to Strata Elite Carddorder.
- Global Emergency Services: Call 1-800-MasterCard (1-800-627-8372) to report lost or stolen cards with 24/7 help.
- Mastercard Concierge: This is a free 24/7 concierge service similar to a personal assistant. It is perfect for keeping tables in popular restaurants, finding items that are difficult to secure, booking a selection of experiences and more.
- Mastercard Golf: MasterCard’s golf concierge service receives PGA Tour experience and golf benefits.
- Mastercard ID Theft Protection: Monitor fraud reports in your credit reports and receive alerts about suspicious activity.
- Mastercard Travel Rewards: An international program that offers cashback rewards in 25 countries when shopping for a variety of well-known brands. You can receive rewards at participating businesses such as restaurants and entertainment venues while traveling and online.
- Mastercard zero responsibility: Provides protection against unauthorized use of your World Legend Mastercard.
- Priceless experience: World Legend Mastercard holders have exclusive face-to-face and digital experiences in culture, catering, sports, entertainment and more around the world.
One of the best benefits of Mastercard is the priceless experience. If visiting restaurants and events is important to you, then leveraging this is a benefit. You will get priority reservations at thousands of the most popular restaurants. Tickets get music, drama and sporting events; and more. Pre-sales and preferred tickets for Mastercard access to music and entertainment are only valid until March 31, 2027.
Bottom line
The Citi Class Elite is the first card in the world to have the first Mastercard New World Legend Layer. It comes with good privileges like Priority Pass and MasterCard priceless experiences. It also offers exclusive benefits such as free SOHO friends membership. That said, some of the benefits of the program are no different from those on the World Elite Mastercard.
Remember that most benefits have limited or limited time to apply, so be sure to start utilizing immediately after applying for a Citigroup Elite Card.
Related: Citigroup Elite Review: Unique Statement Credit and Admiral Club Visit
