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Citi PremierMiles Credit Card Review: Versatile Air Miles Credit Card

SingSaver team

SingSaver team

Last updated 25 December, 2023

The Citi PremierMiles Credit Card is a steady workhorse when it comes to racking up miles. Find out what this credit card has to offer.

It's slow and steady in terms of miles per dollar earn rates – 1.2 miles per S$1 spend for local spend and 2 miles per S$1 spend for foreign spend. Arguably, the best part of Citi PremierMiles credit card is that its Citi Miles (which you can convert to a wide range frequent flyer programs like KrisFlyer) never expire. Let's break down all the other card benefits you’ll find. 

Table of contents


What the Citi PremierMiles Credit Card can do for you

Citi PremierMiles Credit Card product summary: 

  • Local spend: 1.2 miles per S$1 spend
  • Foreign spend: 2 miles per S$1 spend
  • Bonus miles earn:
    • 10 miles per S$1 spend on Kaligo bookings
    • 7 miles per S$1 spend on Agoda bookings
  • No minimum spend required to start earning miles
  • 2 complimentary airport lounge visits per year via Priority Pass
  • Up to S$1 million complimentary travel insurance coverage
  • Citi Miles never expire
  • Redeem Citi Miles for travel, tech and more  
  • Annual income requirement: $30,000 (Singaporeans/PR), $42,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: $196.20 (Receive 10,000 Citi Miles on your card anniversary upon renewal of your annual membership and payment of the annual fee)
Pros ✅
Cons ❌
1.2 mpd on local spend
Admin fee of $26.75 for each conversion of Citi Miles to frequent flyer miles
2 mpd on foreign spend
Service fee applies to Citi PayAll facility
Earn bonus miles with 10 mpd on Kaligo bookings and 7 mpd on Agoda bookings
 
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates
 
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll
 
2 free airport lounge visits per year to over 1,300 Priority Pass lounges worldwide
 
Up to $1 million travel insurance coverage when you charge your travel tickets to this card
 

Do note that the Citi PremierMiles is only issued in the Mastercard version as of 2023. The AMEX version was phased out in 2019, while the Visa version remains valid for existing cardholders who hold this particular version.

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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

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

Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson Supersonic (worth S$699) or  Dyson V8 Slim Fluffy (worth S$509) or S$300 Cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 29 March 2024. T&Cs apply.


Why should you choose the Citi PremierMiles Credit Card?

#1: Citi Miles do not expire

Yes, you heard us. Citi Miles never expire so you will never have to feel rushed to use your miles on things that do not tickle your fancy. As mile chasers, we wholeheartedly appreciate earning and accumulating miles that do not expire as the whole process takes time. This is especially true if you, like us, are gunning for award Business Class or First Class flights to far-flung cities like Paris or London.


#2: Earn more miles on your spending

Besides earning 1.2 Citi Miles per $1 on local spend and 2 Citi Miles per S$1 (mpd) on foreign currency spend, look forward to earning 10 Citi Miles per $1 spent on Kaligo and up to 7 Citi Miles per $1 spent on Agoda

These bonus miles for dedicated travel bookings come as no surprise since the Citi PremierMiles Credit Card since it's already a popular travel credit card. Moreover, these rates are comparable to its close competitor – DBS Altitude – which awards up to 10 mpd on Kaligo bookings and up to 6 mpd on Expedia bookings.

You can also earn miles on rent, condo management fees, school fees, taxes and electricity bills — basically big payments — via Citi PayAll. Take note that Citi PayAll Service Fee applies. 

From time to time, Citibank also runs spend promotions that let cardmembers earn miles at an accelerated rate when they register for the promotions and meet the spend requirements.

Another easy way to chalk up miles? Simply renew your Citi PremierMiles membership and pay the $196.20 annual fee (w.e.f. 1 Jan 2024) to snag 10,000 Citi Miles on your card anniversary.

See also: Best Credit Cards For Paying Utility Bills in Singapore


#3: Use your miles in a myriad of ways

The next best thing about Citi Miles is that you have true flexibility in utilising your miles. Log in to your account on the Citi ThankYou Rewards site to instantly redeem for flights or hotel stays from eligible transfer partners with no blackout dates. 

You can also transfer your Citi Miles to participating frequent flyer programmes like Singapore Airlines KrisFlyer at a 1:1 ratio. Each transfer comes with a fee of $26.75

At the moment, Citibank is partnering with the following transfer partners: 

  • Asia Miles
  • British Airways Executive Club
  • EVA Air Infinity MileageLands
  • Etihad Guest
  • Flying Blue
  • IHG Rewards Club
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles&Smiles 

Don’t wish to use your miles on travel? Feel free to turn your miles into things you love, such as Apple products. You may also use Pay with Points Online to redeem statement credits to cover the cost of recent purchases in select categories made with your eligible Citi credit card.

Alternatively, you can also convert your Citi Miles to KrisPay Miles instead to be used for shopping and dining rewards on the Kris+ app. It follows a conversion rate of as low as 4,000 Citi Miles to 3,400 KrisPay miles. Once converted, these KrisPay Miles can subsequently be transferred instantly to your KrisFlyer account* for flight redemptions! ✈️ So it's a win-win situation here.

Or if – for some reason – you don't feel like converting your Citi Miles into frequent flyer miles, you can redeem it for cash rebate. A minimum of 1,650 Citi Miles is required per S$10 cash rebate redemption.

*The whole conversion timeline from Citi Miles to KrisPay Miles to KrisFlyer Miles is only valid for 7 days. Transfers of miles from Kris+ app to the KrisFlyer Account after 7 days will be invalid.


#4: Awesome travel perks

Citi PremierMiles offers cardmembers who love travelling greater peace of mind at no extra charge. Get up to $1 million in travel insurance coverage when you charge your travel tickets to Citi PremierMiles. T&Cs apply. Cardmembers also enjoy two complimentary Priority Pass airport lounge visits per year worldwide. 

Read more:
Which Credit Cards Offer Free Travel Insurance in Singapore?
Cheap and Free Ways to Access Changi Airport Lounges


#5: Sign-up bonuses

And lastly, don't forget to check out our exclusive SingSaver promotion when you sign up for your Citi PremierMiles Credit Card. Our offer change every month so keep a lookout for the best deals and rewards that pique your interest. 😉


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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

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

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Citi PremierMiles Card and Citi Rewards Card Only: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth S$509) or S$300 Cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.

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Other Citi Credit Cards: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or a Dyson V8 Slim Fluffy (worth S$509) or Nintendo Switch OLED (worth S$549) or S$300 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.


What charges or fees should you look out for?

  • Annual fee: $196.20 (First year waived; 9% GST w.e.f 1 Jan 2024) 
  • Late payment charge: $100 
  • Minimum monthly payment: 1% of current balance plus an overdue amounts, or $50, whichever is higher 
  • Overlimit fee: $40 if the total outstanding card balance exceeds the total credit limit at any time
  • Interest rate on purchases: 26.9% p.a. subjected to compounding if full payment is not made by payment due date
  • Interest rate on cash advance: 26.9% p.a. compounded daily on the amount withdrawn from the transaction date until the date that full payment is made
    • Promo rate of 20.9% p.a. is charged if account is deemed under good conduct. This rate will be effective after the next statement billing fate following the payment due date.
    • Otherwise, an increased interest of 29.9% p.a. will be charged if account is past due in the current month.
  • Cash advance fee: 6% of withdrawal amount or S$15, whichever is higher
  • Foreign transaction fee: 3.25%

💡 Pro-tip: To request an annual fee waiver, you can dial Citibank's automated self-service number at +65 6225 5225 and follow the instructions/inputs accordingly. However disclaimer, only the first year's annual fee waiver is complimentary. Subsequent year's waivers are subject to approval from Citibank.


Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore citizens and PRs: $30,000 
  • Minimum annual income for Foreigners: $42,000

How to apply?

Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees: Past 12 months' CPF statement or latest Income Tax Notice of Assessment or latest original computerised payslip (Singaporean/PR)
  • Self-employed: Last 2 years' Income Tax Notice of Assessment and last 3 months' bank statements (Singaporean/PR)
  • Foreigners: Work Permit, utility/telephone bill or bank statement with name and address, Income Tax Notice of Assessment and latest original computerised payslip

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SingSaver's Exclusive Flash Deal: The first 5 applicants of any participating Citi, Standard Chartered, CIMB and HSBC credit cards at 12pm and 3pm daily will receive a PlayStation5 Console (SLIM) Disc Edition (worth S$799) or S$500 eCapitaVoucher on top of their existing promotional offers.

Valid till 29 February 2024. T&Cs apply. Click here to check out our past Lucky Draw winners!


Key takeaways: Other similar travel credit cards

If you want to consider other travel credit cards, here are alternative options:

DBS Altitude Credit Card

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The DBS Altitude Credit Card is another crowd favourite, boasting 1.3 mpd on local spend and 2.2 mpd on overseas spend. It used to offer a bonus 3 mpd on eligible online flight and hotel transactions, but that's since been scrapped following its revamp.

However, what it does still reward bonus miles on include dedicated travel and accommodation bookings such as:

  • Up to 10 mpd on selected Kaligo bookings
  • Up to 6 mpd on selected Expedia bookings 

Furthermore, DBS Altitude cardholders (specifically Visa version) are entitled to 2 complimentary Priority Pass airport lounges per year. Subsequent entry will be charged at US$32 per pax per visit – so bear this in mind when intending to bring guests along.

Lastly, it also provides up to S$1 million complimentary travel insurance coverage when you charge your full travel fare to the card. 

All things considered, the DBS Altitude Credit Card is probably Citi PremierMiles' closest rival in terms of bonus miles earn rates and travel privileges offered – especially for dedicated travel bookings.

🌍 Read our full DBS Altitude Credit Card review here.

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.


OCBC 90°N Credit Card

This travel credit card shouldn't be a surprise to seasoned miles chasers, but for the uninitiated, the OCBC 90°N Credit Card has consistently been a favoured choice among miles cards too.

In fact, until recently, it provided one of the most attractive bonus miles earn rates, with 1.3 mpd on local spend and 2.2 mpd on overseas spend. Besides that, cardholders can also enjoy an impressive up to 6 mpd and 7 mpd when booking Agoda accommodations in local and foreign currencies, respectively. 

Much like Citi Miles, the 90°N Miles you earn will never expire. There won't be any haphazard miles accumulation here! ☝🏻

🌍 Read our full OCBC 90°N Credit Card review here.


UOB PRVI Miles Credit Card

Coming in Visa, Mastercard, and AMEX versions, it's no wonder the UOB PRVI Miles Credit Card is a beloved travel credit card choice among frequent travellers and miles enthusiasts.

Hailed for its versatility and generous rewards programme, cardholders can earn miles quickly at up to 1.4 mpd locally and 2.4 mpd overseas. What sets it apart is its boosted 6 mpd rate earned on major airline and hotel bookings worldwide via Agoda, Expedia, and UOB Travel. (To date, this is the highest rate earned among miles cards.)

To stay protected on your travels, charge your full travel fare to the card to receive up to S$500,000 complimentary insurance coverage. And if you hold the UOB PRVI Miles AMEX version specifically, you'll be entitled to two free airport transfers per quarter (with min. S$1,000 overseas spend) and a free Mr and Mrs Smith Silversmith membership (worth S$200).

🌍 Read our full UOB PRVI Miles Credit Card review here.

UOB PRVI Miles World Mastercard Welcome Offer: Get up to 50,000 miles when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date plus annual fee payment and SMS enrolment. Valid till 29 February 2024. T&Cs apply.

Alternatively, get 30,000 miles when you apply with first-year annual fee waiver and make a min. spend of S$1,000 for 2 consecutive months from card approval date (capped at first 50 eligible cardmembers monthly). Valid till 29 February 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


HSBC TravelOne Credit Card

HSBC TravelOne

Honestly, if there's any single travel card we recommend getting now – it's the HSBC TravelOne Credit Card. Featuring 1.2 mpd on local spend and 2.4 mpd on overseas spend, it definitely lives up to its promise as a reliable travel companion. Moreover, it comes with four complimentary airport lounge visits per year along with up to US$100,000 complimentary travel insurance coverage. 

What's more, there is absolutely no conversion fee from points to air miles or hotel points until 31 December 2023. So you're free to convert as many HSBC points as frequently as you want till then. 

🌍 Read our full HSBC TravelOne Credit Card review here.

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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any HSCB credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

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SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC TravelOne Card:

Receive a Dyson Supersonic™ hair dryer (worth S$699) or Sony WF-1000XM5 Wireless Noise Cancelling Headphones (worth S$429) or Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or S$300 Cash via PayNow upon activating and spending a min. $500 plus pay an annual fee of S$196.20 by the end of the following calendar month from the card account opening date. Valid till 29 February 2024. T&Cs apply.


Standard Chartered Journey Credit Card

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Similar to the HSBC TravelOne, the Standard Chartered Journey Credit Card is a newer entrant to the travel card scene. It offers a respectable 1.2 mpd on local spend and 2 mpd on overseas spend – making it on par with Citi PremierMiles and DBS Altitude. 

However, its distinguishing feature lies in its offering of 3 mpd on selected online transactions, including grocery shopping, food delivery, and transport. It also extends the benefit of 2 complimentary airport lounge visits per year, coupled with up to S$1 million complimentary travel insurance coverage. 

Furthermore, miles are earned in the form of 360° Rewards Points (which never expire) and cardholders can enjoy freedom from foreign transaction fees between the months of June to July and November to December 2023.

🌍 Read our full Standard Chartered Journey Credit Card review here.

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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any SCB credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

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SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

Receive a Laifen Swift High-Speed Hair Dryer (worth S$239) or AirTag 4 Pack (worth S$150.35) or up to S$120 upon activating your card within 30 days. No minimum spend required. Also, get an additional S$20 e-Capitaland voucher when you make a min. spending of $1,000 in your 2nd month. Valid till 10 March 2024. T&Cs apply.

Plus, get an additional $20 e-Capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay your bills with SCB Easybill or put any of your purchases on instalment in SCB Savings Account or Current Account within 60 days of approval. Valid till 10 March 2024. T&C applies.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


Should you get the Citi PremierMiles Credit Card?

At the end of the day... is the Citi PremierMiles Credit Card worth getting for you?

If you have an undying love for all things travel, Citi PremierMiles may just be the right air miles credit card for you. This credit card rewards you on all your travel purchases and day-to-day purchases, with no limit on how many expiry-free miles you can earn.

Although the Citi PremierMiles Card is a travel credit card by nature, it still accrues miles in the form of its Citi rewards point variant – Citi Miles. So do note that you'd still have to convert your Citi Miles into your preferred frequent flyer miles like for instance, Singapore Airlines' KrisFlyer Miles if you want to redeem specific flight privileges.

💡 Fun fact: Citi Miles has a 1:1 conversion ratio with KrisFlyer Miles.

Rest assured, Citi Miles never expire either until you choose to convert them into other frequent flyer miles. This way, you'll won't have to stress over meeting any deadlines when chasing miles.

You also enjoy the ultimate flexibility when it comes to utilising miles. Citi PremierMiles’ travel perks — free airport lounge access, and complimentary travel insurance — are fantastic, too.

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SingSaver Exclusive Flash Deal⚡: The first 5 applicants of any Citi credit card at 12pm and 3pm daily will receive a PlayStation®5 Disc Console (Slim) (worth S$799) or S$500 eCapitaVoucher on top of existing promotional offers. Valid till 29 February 2024. T&Cs apply.

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

Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson Supersonic (worth S$699) or  Dyson V8 Slim Fluffy (worth S$509) or S$300 Cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Valid till 29 February 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 29 March 2024. T&Cs apply.

 

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.

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