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.
Many of us presume that credit card combinations are best reserved for home ground, but did you know that you can definitely adopt a credit card strategy to optimise your travels, too?
Being savvy and strategic is paramount for us mere mortals who don’t roll around in cash. So 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
- Benefits of the Citi PremierMiles Card
- Benefits of the Citi Rewards Card
- Other Citi credit card perks to consider
- Why should you consider this Citi credit card combo?
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📣ONLY AVAILABLE ON SINGSAVER📣: You won't find this offer anywhere else!
Heads up! Citi and SingSaver are running an exclusive campaign for the Citi PremierMiles Card and Citi Prestige Card! Apply for either of these cards to receive the following:
For Citi PremierMiles Card: Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
For Citi Prestige Card: Get a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson TP10 (worth S$599) or 18K Heymax Miles (worth S$300) or S$320 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
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:
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Local spend
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1.2 mpd
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Overseas spend
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2 mpd
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Dedicated travel spend
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10 mpd on eligible Kaligo bookings
Up to 7 mpd on eligible Agoda bookings
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Airport lounge access
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2 complimentary Priority Pass lounge visits per calendar year
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Travel insurance
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Up to S$1 million complimentary coverage
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⭐ Earn miles on rent, condo management fees, school fees, taxes, and bills via Citi PayAll too
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Note: "Mpd" refers to "miles per S$1 spend".
📣ONLY AVAILABLE ON SINGSAVER📣: Enjoy the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi PremierMiles Card.
SingSaver Exclusive Offer: Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
Plus, get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 31 July 2024. T&Cs apply.
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⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
- S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529)
- S$200 for an Apple Watch Series 9 (GPS) 41mm (worth S$604.50)
- S$800 for an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10)
- S$980 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
- S$1,200 for an Apple iPhone 15 Pro 128GB (worth $1,664.25)
- S$1,786 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth $2,128.00)
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:
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Bonus points/miles
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10X Citi ThankYou Points (4mpd) on shopping transactions:
10X Citi ThankYou Points (4 mpd) on online transactions:
Excludes travel and mobile wallet transactions |
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Base points/miles
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1X ThankYou Points (0.4 mpd) on all other spend
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Bonus point/miles cap
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9,000 bonus Citi ThankYou Points / S$1,000 spend per statement month
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Travel insurance
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Up to S$1 million complimentary coverage
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⭐ Flexible rewards redemption through Citi ThankYou Rewards
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⭐ Offset transactions with Citi Pay with Points or redeem points for cash rebate all via Citi Mobile®️ app
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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.
SingSaver Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Rewards Card:
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Receive an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
- S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529)
- S$200 for an Apple Watch Series 9 (GPS) 41mm (worth S$604.50)
- S$800 for an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10)
- S$980 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
- S$1,200 for an Apple iPhone 15 Pro 128GB (worth $1,664.25)
- S$1,786 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth $2,128.00)
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:
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Method
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Instructions
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Pay with Points via Citi Mobile®️ App
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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
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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
Citi PremierMiles X Citigold One Sell Promo: Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
Plus, get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. For customers who apply for BOTH Citi PremierMiles Card + Citigold products using the one-sell journey only. Valid until 31 July 2024. T&Cs apply.
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.
SingSaver's Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Credit Card:
*📣For Citi PremierMiles Card: Receive a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
Get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 31 July 2024. T&Cs apply.
*📣For Citi Prestige Card: Get a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson TP10 (worth S$599) or 18K Heymax Miles (worth S$300) or S$320 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
*📣ONLY AVAILABLE ON SINGSAVER📣
Other Citi Credit Cards: Receive an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 July 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
- S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529)
- S$200 for an Apple Watch Series 9 (GPS) 41mm (worth S$604.50)
- S$800 for an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10)
- S$980 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
- S$1,200 for an Apple iPhone 15 Pro 128GB (worth $1,664.25)
- S$1,786 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth $2,128.00)
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