Citi PremierMiles Card
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Snap up baseline gifts: be among the first 200 approved applicants spending S$500 to enjoy S$450 Upsized Cash or a S$500 Amazon.sg Gift Card, or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after.
But the real treat? Dive into spooktacular Halloween rewards with MoneySmart! Each day, the first 10 fastest claimants snatch exclusive Flash Deal prizes—from iPhone 18 Pro, MacBook Neo, Switch 2, PS5 and more—on top of your baseline reward! T&Cs apply.
Valid till 31 Oct 2026
ARE YOU ELIGIBLE?
MoneySmart Promotion is valid from 10 October 2026 to 31 October 2026
Apply as main "New-to Citibank" cardholder for an eligible Citibank Credit Card via MoneySmart within the qualifying period
Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.
Complete and submit the MoneySmart Claim Form with valid contact details and Unique Reference Number (URN) by 30th November 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Meet the minimum S$500 spend within 30 days to unlock your choice of reward
First 200 customers to submit the claim form:
—Upsized S$450 Cash or $500 Amazon.sg Gift Card[MoneySmart Baseline Gift]
Meet the minimum S$500 spend within 30 days to unlock your choice of reward
201th customers to submit the claim form:
—S$400 Cash via PayNow or 6,140 SmartPoints for exciting products in the MoneySmart Rewards Store[MoneySmart Halloween Ghost Gifts Promotion 2026]
This Halloween, unlock a treasure trove of ghostly gifts just for you! Claim your spooky reward like the Apple iPhone 18 Pro, MacBook Neo, Sony PlayStation 5, Nintendo Switch 2, Apple Watch Series 12, or Apple AirPods 5 — or simply grab S$5 cash via PayNow! Hurry, these ghoulish treasures vanish after October 31st, so don't miss out on your ultimate Halloween treat! T&Cs apply.[MoneySmart Halloween Ghost Gifts Promotion 2026]
Be among the first 10 eligible customers each day during 10-31 October 2026 to submit the MoneySmart Claim Form, to qualify for Flash Deal prizes*Faster Rewards Redemption: Reward fulfillment happens as fast as 5 weeks from meeting spend criteria, and is processed on a rolling basis, so the sooner you spend, the sooner you receive your reward.
Use the SmartPoints earned to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
MoneySmart Exclusive promotions do not stack with third-party promotions unless stated otherwise—check T&Cs for complete details.
Card Details
Good For
Things To Note
Foreign currency transactions carry a 3.25% fee, so the higher overseas earn rate comes at a cost.
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Citi PremierMiles Credit Card Features & Benefits: Overview
The Citi PremierMiles Credit Card is an all-rounder miles card for Singaporeans who want flexibility, rewards that never expire, and essential travel perks—without entering luxury territory. It stands out for its unlimited Citi miles that don't expire, priority pass airport lounge access, strong global airline partners, complimentary travel insurance, and online travel booking promotions.
Feature | Details |
Local miles earn | 1.2 Citi Miles per $1 spent on local purchases |
Overseas miles earn | 2.2 Citi Miles per $1 spent on overseas purchases (including online transactions in foreign currency) |
Miles expiry | Never |
Travel portal bonus | Up to 10 miles per $1 via Kaligo; 7.2 miles per $1 via Agoda |
Airport lounge access | 2 complimentary visits per year at Plaza Premium Lounges |
Travel insurance | Up to S$1 million complimentary coverage when you charge the full travel fare to the card |
Transfer partners | KrisFlyer, Asia Miles, Velocity, Etihad Guest, and other airline programmes |
Card network | Global Mastercard World/Select acceptance and premium merchant offers |
Annual renewal bonus | 10,000 Citi Miles every card anniversary |
Annual fee | $196.20 (1st year waived) |
Pros & Cons of Citi PremierMiles Card
Note: “Mpd” refers to “miles per S$1”.
Pros ✅ | Cons ❌ |
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Citi PremierMiles vs. HSBC TravelOne vs. Standard Chartered Journey: Comparison
Beyond Citi's own card family, the HSBC TravelOne Card and Standard Chartered Journey Card are popular air miles alternatives worth comparing head-to-head:
Criteria | |||
Interest rate | 27.9% p.a. | From 26.9% p.a. | 27.9% p.a. |
Annual fee | $196.20 (1st year waived) | $196.20 (no 1st-year waiver; waived from year 2 onward with $25,000+ annual spend) | $0 (no annual fee) |
Min. annual income (Singaporean/PR) | $30,000 |
| $30,000 |
Min. annual income (Foreigner) | $42,000 | $65,000 | $90,000 |
Bonus miles earn | 1.2 mpd on eligible local spend 2.2 mpd on eligible foreign currency spend | 1.2 mpd on eligible local spend Up to 2.4 mpd on eligible foreign currency spend | Up to 3 mpd on transport, food delivery, and online groceries (capped at $1,000 spend per month) |
Travel portal bonus | Up to 10 mpd (Kaligo); 7.2 mpd (Agoda) | N/A | N/A |
Complimentary airport lounge access | 2 visits per year at Plaza Premium Lounges | 4 visits per year | 2 visits per year at Priority Pass lounges |
Complimentary travel insurance coverage | Up to S$1 million | Up to S$150,000 | Up to S$500,000 |
Miles expiry | Never | Expires after 37 months | Never |
Best for | Frequent travellers wanting Kaligo / Agoda travel portal bonuses and PayAll bill payments | Travellers wanting fee-free transfers, instant app redemptions, and highest overseas earn rate | Travellers preferring no annual fee and spend regularly on transport, food delivery, and online groceries |
Citi PremierMiles Fees, Charges & Waivers
Here is a breakdown of the real costs and fee waivers behind the Citi PremierMiles Card:
Fee/Charge | Amount |
Annual principal fee | $196.20 (1st year waived) |
Supplementary card fee | $98.10 annually |
Interest rate on purchases | 27.9% p.a. on outstanding balances not paid in full |
Foreign currency transaction fee | 3.25% on all overseas / non-SGD spend |
PayAll service fee | Typically deducted per transaction |
PayLite processing fee | Promotion based/check campaign when converting spend |
Transfer to airline/hotel partner | $27.25 per redemption |
Late payment fee | $100 if minimum payment not received by due date |
Cash advance | 8% or $15, whichever is higher during cash withdrawals |
Overlimit fee | $40 if you exceed your credit limit |
Minimum monthly repayment | 1% of balance + 1% of unbilled instalments + interest and late charges, or $50 (whichever is higher) |
💡 MoneySmart Tip: You request a Citi card annual fee waiver via Citi's hotline, chat, or online banking. Approval may depend on your spend level and customer loyalty.
Feature Compatibility: PayAll, PayLite & Digital Wallets
Citi PremierMiles packs popular travel and payment features:
- Citi PayAll: Pay rent, education, insurance, taxes, and utilities via the Citi Mobile App while earning miles. A service fee applies, though periodic promos offer a 0.3%–0.6% cash rebate or bonus miles.
- PayLite: Convert big purchases into instalment plans, though instalment transactions may earn limited or no miles. Check current campaign terms.
- Digital wallets: Supports Apple Pay, Google Pay, Samsung Pay, Citi Pay, and Mastercard Contactless.
Miles Redemption Guide: How to Transfer, Redeem & Maximise Value
Citi Miles deliver different values depending on where and how you redeem them.
Citi portals & transfer partners redemption values
Transfer partner / Portal | Approx. value per mile | Best use case |
KrisFlyer (Singapore Airlines) | ~1 cent | Reliable award availability for long-haul flights |
Asia Miles (Cathay Pacific) | ~0.9 cent | Strategic bookings on Asian routes |
Marriott Bonvoy | ~1.2 cents | Premium hotel stays and 5-star property rates |
Velocity (Virgin Australia) | ~0.85 cent | Domestic Asia-Pacific flights |
Etihad Guest | ~0.9 cent | Middle East and Europe routes |
Kaligo travel portal (10 mpd) | ~1.2 cents | High-spend travel packages, premium hotels |
Agoda portal (7.2 mpd) | ~1 cent | Last-minute hotel deals |
Citi PayAll redemptions | 0.8–1.1 cents (varies by payment type) | Rent, taxes, insurance, recurring bills |
Your redemption choice matters: Per 10,000 miles, Marriott Bonvoy unlocks roughly $120 versus $85 for Velocity—a 20%+ swing based on partner alone. Meanwhile, use Kaligo or Agoda for big-ticket travel bookings and transfer to airline partners for specific award flights or upgrades where seat availability matters more than speed.
Non-travel redemption options
Redemption Type | Value per Mile | Caveat |
Electronics/shopping vouchers | 0.3–0.5 cents | Store prices may exceed retail |
Small-block transfers (<10,000 miles) | ~0.7 cents | Fees and poor conversion rates erode value |
Offset purchases with Pay with Miles, Kris+ conversion, or cash rebate | Not fixed; varies at checkout, by offer, or by promotion | Convenient for offsetting statement charges, but typically lower value than travel transfers |
In-app redemptions (Pay with Miles, Kris+ conversion, cash rebate, Apple Rewards Store) | Not fixed; varies by option or promotion | Convenient for offsetting statement charges or redeeming via the Citi Mobile App Cash Rebate is usually the lowest-value option |
Travel redemptions typically deliver 2–3x more value than non-travel options. Hence, we recommend reserving vouchers or small transfers for when you need an item urgently or a partner account is about to expire.
How to transfer your miles: Step-by-step guide
Once you've picked the best option, here's how to complete the transfer:
Step | Action | Details |
1 | Identify transfer partner | Choose your desired airline or hotel partner (e.g. KrisFlyer, Asia Miles, Velocity). |
2 | Check minimum miles balance | Most partners require at least 10,000 Citi Miles per transfer; some accept as few as 5,000. |
3 | Log in to your account | Access your Citi Rewards account or Citi Mobile App. |
4 | Initiate the transfer | Submit the transfer request (1:1 ratio); a $27.25 service fee applies per redemption. |
5 | Check processing time | Processing takes 3–5 business days; allow for potential partner blackout dates. |
6 | Verify recipient details | Ensure recipient account names match to avoid failed transfers. |
How to Maximise Citi PremierMiles Earning & Redemption
To get maximum value:
- Route recurring bills (rent, insurance, tax) through Citi PayAll to earn miles on payments other cards don't reward; check for active promo rebates first.
- Use Citi PremierMiles for uncapped everyday spend, but switch to a higher-mileage card for capped bonus categories like groceries or dining.
- Redeem in larger blocks (10,000+ miles) to justify the $27.25 transfer fee, and transfer promptly. Partner devaluations can quietly erode your miles' value over time.
- Target big one-off expenses (renovations, weddings) in your first 3 months to maximise any sign-up bonus.
Risk reminder: Credit cards involve the risk of incurring high interest charges if balances are not paid in full, and overseas spend may yield less value after fees. Always track spending, pay on time, and review reward terms for any policy change.
Risk reminder: Credit cards involve the risk of incurring high interest charges if balances are not paid in full, and overseas spend may yield less value after fees. Always track spending, pay on time, and review reward terms for any policy change.
How to Apply For a Citi PremierMiles Card: Eligibility & Step-by-Step Guide
Step | Action | Details |
1 | Apply via MoneySmart | Click "Apply Now" on the Citi PremierMiles Card to begin your application. |
2 | Log in with Singpass MyInfo (Singaporean / PR) | Requirements include:
Use Singpass MyInfo to auto-fill personal details from government records; if unavailable, submit NRIC, latest payslip / CPF Contribution Statement, and last 2 years' NOA (self-employed). |
3 | Upload documents manually (Foreigners) | Requirements include:
Submit passport, Employment/S Pass (min. 6 months' validity), latest payslip or 3 months' salary-crediting bank statement, address proof (utility bill/tenancy agreement/bank statement), and Income Tax NOA. |
4 | Review and confirm | Double-check pre-filled and manually entered details before submitting. |
5 | Submit and await approval | MyInfo applicants often receive instant approval; manual applications may take longer if extra documents are needed |
6 | Card delivery and activation | Digital card details are usually available immediately in the Citi Mobile App Physical card is mailed separately |
Common card pitfalls to avoid
- Check the exclusion list: Not all spend qualifies for miles. Review Citi's merchant category code (MCC) exclusion list before large payments.
- Don't delay activation: Welcome promo windows typically start from approval or activation, not first card usage.
- Complete all promo steps diligently: For MoneySmart exclusive offers, confirm eligibility and submit required claim forms within the stated deadline.
- Avoid unnecessary instalment plans: Activating "FlexiBill" or similar instalment features on non-essential purchases can disqualify you from sign-up rewards.
- Keep the Citi Mobile App updated to track offers, e-statements, and spend against promo requirements.
Customer Reviews on MoneySmart Credit Card Applications
Your Miles Don’t Have a Boarding Deadline
Every miles card earns, caps and charges a little differently. Compare earn rates, annual fees and travel perks across cards to find the one that fits how you spend and fly.
FAQs About Citi PremierMiles Credit Card
Which airlines can I transfer Citi PremierMiles miles to?
- Citi Miles can be transferred to KrisFlyer, Asia Miles, Velocity, Etihad Guest, and 13+ other airline and hotel partners for a flat $27.25 administrative fee, with miles posting within 14 business days. Minimum thresholds vary by partner, so check the Citi Mobile App for current requirements before transferring.
How does Citi PayAll work with Citi PremierMiles?
- With Citi PayAll, you pay recurring bills—rent, taxes, insurance—through the Citi Mobile App while earning base Citi Miles on the amount. A service fee applies per transaction, though promos sometimes offer cash rebates or bonus miles.
What purchases are excluded from earning Citi PremierMiles miles?
- appears on your statement. Review Citi's MCC exclusion list before large payments, as excluded categories update periodically.
Do Citi PremierMiles miles expire?
- No, Citi Miles never expire as long as your account remains valid and in good standing. This is ideal for long-term planners and infrequent travellers banking miles for a future trip.
What are the annual fee and foreign currency fee for Citi PremierMiles?
- The Citi PremierMiles Card charges a $196.20 annual fee (waived in year 1) and a 3.25% foreign currency fee on overseas / non-SGD transactions. A 10,000 Citi Miles renewal bonus is credited each year when you pay the fee, partially offsetting the cost.
How quickly are miles credited after a PayAll or PayLite transaction?
- Citi Miles are credited once your PayAll or PayLite transaction posts to your monthly statement, not instantly at payment. Timing can vary by promotional period and billing cycle, so check your statement if miles appear delayed.
What travel perks does Citi PremierMiles offer besides miles?
- Beyond uncapped, non-expiring miles, Citi PremierMiles cardholders get:
- 2 complimentary airport lounge visits a year via Priority Pass
- Enhanced travel insurance for medical, inconvenience, and baggage claims (World Select Mastercard variant)
- A Flight Delay Pass granting lounge access across 1,800+ LoungeKey lounges when a flight is delayed 2+ hours
Is the Citi PremierMiles Card worth using for overseas spending?
- Overseas spend earns a higher 2.2 miles per $1, but a 3.25% foreign currency fee applies on top. Net value can lag behind fee-free overseas cards, so weigh the bonus miles against the extra FX cost before large overseas purchases.
How much are 10,000 KrisFlyer miles worth?
- 10,000 KrisFlyer miles are typically worth about S$100 (roughly 1 cent per mile) for Singapore Airlines / Scoot flights, KrisShop purchases, or Kris+ redemptions—more for premium cabin awards during high-demand periods.
Can I convert Citi PremierMiles purchases into instalment plans?
- Yes, eligible transactions can be converted into instalment plans like FlexiBill, spreading a purchase or statement balance into fixed monthly repayments subject to Citibank's approval. Interest and processing fees apply, and instalment transactions typically don't earn miles.