Citi PremierMiles Credit Card Review: Versatile Air Miles Credit Card

Since its introduction, the Citi PremierMiles Card has been reliable for earning miles on local and overseas spending. With 1.2 miles per S$1 spent locally and 2 miles per S$1 spent on foreign transactions, this travel credit card actually stands out as a well-rounded miles card no matter where you use it.

One of the best features of the Citi PremierMiles Card is that its Citi Miles, which can be converted to a wide range of frequent flyer programs like KrisFlyer, never expires. Let's break down all the other card benefits you’ll find. 

Table of contents

• Overview: Citi PremierMiles Credit Card
• Reasons to get the Citi PremierMiles Credit Card
• Eligibility, fees & charges
• How to apply?
• Should you get the Citi PremierMiles Credit Card?

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: 2.2 miles per S$1 spend
• Bonus miles earn:
  • 10 miles per S$1 spend on eligible Kaligo bookings
  • Up to 7 miles per S$1 spend on eligible Agoda bookings
• No minimum spend required to start earning miles
• 2 complimentary airport lounge visits per year via Priority Pass membership
• Up to S$1 million complimentary travel insurance coverage
• Citi Miles never expire
• Redeem Citi Miles for travel, vouchers, cash rebates, and more
• Annual income requirement: S$30,000 (Singaporeans/PR), S$42,000 (Foreigners)
• Minimum age: 21
• Annual fee: S$196.20 (Receive 10,000 Citi Miles on your card anniversary upon renewal of your annual membership by paying annual fee)

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 S$1 on local spend and 2.2 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 S$1 spent on Agoda. 

These bonus miles for dedicated travel bookings come as no surprise since the Citi PremierMiles Card since it's already a popular travel credit card. Moreover, these rates outperform 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 S$196.20 annual fee 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 $27. 

Below is a list of eligible airline partners: 

Note: Above list of travel partners is not exhaustive.

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 : 3,400 KrisPay miles. Once converted, these KrisPay Miles can subsequently be transferred 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

The Citi PremierMiles Card 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 a Citi PremierMiles Card. Our offer changes every month, so watch out for the best deals and rewards that pique your interest. 😉

What charges or fees should you look out for?

• Annual fee: S$196.20 (First year waived; inclusive of 9% GST) 
• Late payment charge: S$100 
• Minimum monthly payment: 
  • If balance < S$50: Pay current balance
  • If balance ≥ S$50: or 1% of current balance plus outstanding unbilled instalment amounts (if any), interest charges, upfront service fees (if any), late payment charges, or S$50, plus any overdue amounts, whichever is higher 
• Overlimit fee: S$40 if the total outstanding card balance exceeds the total combined credit limit at any time
• Interest rate on purchases: 27.9% p.a. subjected to compounding if full payment is not made by payment due date
• Interest rate on cash advance: 27.9% p.a. compounded daily on the amount withdrawn from the transaction date until the date that full payment is made
• Cash advance fee: 8% of withdrawal amount or S$15, whichever is higher
• Foreign transaction fee: 3.25%
• Dynamic currency conversion (DCC) fee: 1%

💡 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: S$30,000 
• Minimum annual income for Foreigners: S$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 (min. 6 months validity), a copy of utility/telephone bill or bank statement with name and address, and Income Tax Notice of Assessment and latest original computerised payslip

Should you get the Citi PremierMiles Credit Card?

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

If you have an undying love for all things travel, it 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.

Moreover, the card offers the convenience of easily converting your Citi Miles into your preferred frequent flyer miles, such as Singapore Airlines KrisFlyer miles, allowing you to redeem specific flight privileges.

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

Rest assured, Citi Miles never expire until you convert them into other frequent flyer miles. This way, you 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.