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Credit Card Combo: Why You Should Pair Citi PremierMiles Card & Citi Rewards Card

Denise Bay

Denise Bay

Last updated 03 December, 2023

Want to start earning and accumulating miles in exchange for free travel in the future? Up your game strategically with Citi PremierMiles Card and Citi Rewards Card.

With the current climate now primed for resumed travels again, it's time to dust off our wallets and whip out our best credit card combinations again – post-COVID edition. 

Being savvy and strategic is of utmost importance for us mere mortals who don’t roll in cash. How can we maximise credit card miles and rewards points then? Use Citi PremierMiles Credit Card and Citi Rewards Credit Card to your advantage, of course.

Table of contents


Citi PremierMiles Credit Card

As far as travel credit cards are concerned, the Citi PremierMiles Card is a decent and versatile credit card that lets you earn expiry-free Citi miles on literally every purchase you make, including big-ticket items

There’s no cap on how many miles you can earn and no minimum spend to start earning miles. That’s the beauty of this credit card. 

Here’s a quick rundown of what this card has to offer: 

Local spend
1.2 mpd
Overseas spend
2 mpd
Dedicated travel spend
10 mpd on eligible Kaligo bookings
Up to 7 mpd on eligible Agoda bookings
Airport lounge access
2 complimentary Priority Pass lounge visits per year
Travel insurance
Up to S$1 million complimentary coverage
⭐ Earn miles on rent, condo management fees, school fees, taxes, and bills via Citi PayAll too

Note: "Mpd" refers to "miles per S$1 spend".

CITI_LIGHTNING_BLOGARTICLE_KV2_800x250

⚡Flash Deal⚡: Be one of the first 500 applicants to get a PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 ecapitaVoucher when you apply for a Citi Card and spend a minimum of S$500 within 30 days of card approval. Remaining applicants will enjoy existing rewards. Applicable to new-to-Citibank cardmembers only. Promo runs from 9 April, 9AM SGT - 30 April 2024. T&Cs apply.

SS_Citi_PM_BLOGARTICLE

SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for a Citi PremierMiles Card:

Receive an Apple iPad 10th Gen Wifi 64GB (worth S$691.60) or Dyson Supersonic (worth S$699) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.

To reiterate, Citi Miles do not expire and can be redeemed for frequent flyer miles, hotel stays, cash rebates and other rewards. 

Credit cards that offer very generous miles-earn rates typically come with caps on the number of miles you can actually earn at that rate per statement or calendar month. For instance, despite offering above-average rates, bonus miles for the HSBC Revolution Card and UOB Lady's Card are capped at S$1,000 spend per calendar month.

This is why Citi PremierMiles is especially handy if you tend to spend on big-ticket items such as watches, bags, shoes or even medical, beauty or wellness treatments. 


Citi Rewards Credit Card

In this day and age, it wouldn’t be far-fetched to say most of us are fans of online shopping. If getting everything online is what you’ve already been doing and you aren’t using Citi Rewards Card yet, it’s definitely time to add this rewards credit card to your arsenal. For starters, you get to earn 10X Citi ThankYou Points (4 miles per S$1) on in-store shopping purchases and online purchases (excluding mobile wallet and travel-related transactions).

Here’s a quick rundown of what this card has to offer: 

Bonus points/miles
10X Citi ThankYou Points (4mpd) on shopping transactions:
  • Department stores, clothing stores and more
10X Citi ThankYou Points (4 mpd) on online transactions:
  • Lazada, ZALORA, Shopee, Amazon and more
  • Online groceries
  • Ride-hailing apps and more
  • Food delivery

Excludes travel and mobile wallet transactions

Base points/miles
1X ThankYou Points (0.4 mpd) on all other spend
Bonus point/miles cap
9,000 bonus points / S$1,000 spend per statement month
Travel insurance
Up to S$1 million complimentary coverage
Flexible rewards redemption through Citi ThankYou Rewards
Offset transactions with Citi Pay with Points or redeem points for cash rebate all via Citi Mobile®️ app

To be honest, although the 10X Citi ThankYou Points rate is capped at 10,000 points (9,000 bonus points + 1,000 base points) per month i.e. S$1,000 spent, it’s still much better than what many other credit cards offer. Plus, there’s no minimum spend required to start earning those generous rewards.

CITI_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Be one of the first 500 applicants to get a PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 ecapitaVoucher when you apply for a Citi Card and spend a minimum of S$500 within 30 days of card approval. Remaining applicants will enjoy existing rewards. Applicable to new-to-Citibank cardmembers only. Promo runs from 9 April, 9AM SGT - 30 April 2024. T&Cs apply.

Citi CC_BLOGARTICLE_800x250

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card:

Get a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.


Other Citi credit card perks to take advantage of

But just when you think that's all there is to these Citi Credit Cards, think again; your hard-earned ThankYou Points and Citi Miles are so much more useful than you realise. 

1. Citi Pay With Points

The Citi Pay with Points function allows cardmembers to offset purchases using accumulated points and miles. Under this feature, there are 5 different ways to leverage your points for payments:

Method
Instructions
Pay with Points via Citi Mobile®️ App
1. Log into the Citi Mobile®️ App
2. Tap on your rewards balance on top of screen > Rewards Dashboard
3. Tap on "Pay with Points" or "Pay with Miles"
4. Select up to five transactions to redeem points/miles for
5. Review & tap on "Pay with Points" or "Pay with Miles" again to confirm redemption
6. Statement credit will be reflected in your next month's statement after successful confirmation


2. Redeem points/miles for cash rebate directly

Alternatively, you can always redeem your Citi Points/Miles for cash rebate directly via the Citi Mobile®️ App too.

Source: Citi

Simply navigate to your rewards balance and open your Rewards Dashboard. Thereafter, tap on "Cash Rebate" and key in the amount you'd like to redeem for, and voila! You have easy cash at your fingertips.

For your overall reference, here's how the point-to-cash value conversion works:

Source: Citi, T&Cs apply

Do note, cash rebate can only be redeemed in blocks of S$10, capped at S$50 per redemption. That said, there is no limit to the number of redemptions you can make; you can redeem your hard-earned Citi Points/Miles for cash as and when you want.

3. Citi Redemption Catalogue

Last but not least, Citi cardmembers can redeem merchant vouchers from the Citi ThankYou Redemption Catalogue. This exclusive catalogue offers a whole host of exciting offers and deals that you don't want to miss! Enjoy rewards across dining, travel, shopping, and more.

Source: Citi


Why mile chasers should consider this card combination 

For starters, it takes time to earn and accumulate enough miles to exchange them for Business Class or First Class tickets. This is true for the majority of us who are normal spending consumers i.e. not high rollers. 

Having miles or rewards points that don’t expire is one part of the equation; knowing how to earn those precious rewards strategically is another. That’s why we highly recommend you look into Citi Rewards despite the fact that the generous 10X Citi ThankYou Points that you earn are not expiry-free (valid for a period of 60 months). 

Pairing the Citi PremierMiles Card and Citi Rewards Card is a feasible strategy that I personally use as they let me earn and accumulate rewards on the ground while spending on non-travel related expenses like I normally would anyway. As the Citi Rewards Card does not allow accelerated points for travel spend, Citi PremierMiles should be the card for travel spend.

Plus, it’s really convenient for me to keep track of my Citi Miles and ThankYou Points via the Citi Mobile app

Need more convincing? Those who pay the Citi PremierMiles Card annual fee can earn a whopping 10,000 bonus miles every card anniversary year!

Both credit cards are accessible; applicants only need a minimum income of S$30,000 to apply for these cards.

CITI_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Be one of the first 500 applicants to get a PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 ecapitaVoucher when you apply for a Citi Card and spend a minimum of S$500 within 30 days of card approval. Remaining applicants will enjoy existing rewards. Applicable to new-to-Citibank cardmembers only. Promo runs from 9 April, 9AM SGT - 30 April 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Credit Card:

SS_Citi_PM_BLOGARTICLE

Citi PremierMiles Card: Receive an Apple iPad 10th Gen Wifi 64GB (worth S$691.60) or Dyson Supersonic (worth S$699) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.

Citi CC_BLOGARTICLE_800x250

Other Citi Credit Cards: Receive a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.

 

While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.

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