Citi PremierMiles Card Review: Well-rounded Air Miles Credit Card

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The Citi PremierMiles 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 dollar for local spend, 2 miles per dollar 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. 

SingSaver’s Exclusive Offer: Enjoy a 2D1N stay at Andaz Singapore with breakfast for 2 (worth S$420++) when you apply for the Citi PremierMiles Card and make one qualifying spend within 30 days of card approval. Valid till 25 April 2021. T&Cs apply.

Additionally, earn 4 miles per $1 on food delivery and home entertainment merchants. Valid till 31 August 2021. T&Cs apply.

What the Citi PremierMiles credit card can do for you

Citi PremierMiles product summary: 

  • Citi Miles never expire
  • Redeem Citi Miles for travel, tech and more 
  • No minimum spend required to start earning miles 
  • Income requirement: $30,000 (Singaporeans/PR), $42,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: $192.60 (Receive 10,000 Citi Miles on your card anniversary upon renewal of your annual membership and payment of the annual fee)
1.2 miles per $1 spent locally. 2 miles per S$1 spent in foreign currencyAdmin fee of $25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles
Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebatesService fee applies to Citi PayAll facility
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll
2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide
Up to $1 million travel insurance coverage when you charge your travel tickets to this card

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 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. 

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 $192.60 annual fee to snag 10,000 Citi Miles on your card anniversary.

#3 Use your miles in a myriad of ways

The next best thing about Citi Miles is that you have true flexibility in how you can utilise your miles. Log in to your account on the Citi ThankYou Rewards site to instantly redeem for flights or hotel stays 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 $25 (excluding GST). 

At the moment, Citibank is partnering with the following loyalty programmes: 

  • 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 choose to use Pay with Points Online to redeem for statement credits to cover the cost of recent purchases in select categories made with your eligible Citi credit card.

#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. Terms and Conditions apply. Cardmembers also enjoy two complimentary Priority Pass airport lounge visits per year worldwide. 

For whom is the Citi PremierMiles card best for?

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.

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

What charges or fees should you look out for?

  • Annual fee: $192.60 (first year waived) 
  • Late payment charge: $100 
  • Minimum monthly payment: 1% of current balance or $50, whichever is higher, plus any overdue amounts 
  • Overlimit fee: $40 if the total outstanding card balance exceeds the total credit limit at any time
  • Interest on purchases: 26.9% per annum subjected to compounding if full payment is not made by payment due date
  • Interest on cash advance: 26.9% per annum compounded daily on the amount withdrawn from the transaction date until the date that full payment is made

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 (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
  • Self-employed: Latest Income Tax Notice of Assessment and latest original computerised payslip

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