Citi PremierMiles Card
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Get Upsized S$400 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) when you charge a min. of S$500 within 30 days!
PLUS, win a S$15,000 Dream Holiday to your preferred destination! T&Cs apply.
Valid till 09 Jun 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 05-June 2026 to 09-June-2026
Applicable for New-to Citibank Cardmembers only
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.
This Promotion is only valid for Citibank PremierMiles and Cashback+ credit cards.
Log into your MoneySmart account and submit your claim by 9th July 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Choose between S$400 Cash via PayNow OR 6,140 SmartPoints when you meet the criteria above.[MoneySmart S$15,000 Getaway Lucky Draw]
Grab an extra gift! Stand a chance to win a S$15,000 Dream Holiday to your desired destination when you apply and meet the spend criteria! T&Cs apply.*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
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.
Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
Card Details
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Citi PremierMiles Credit Card Features & Benefits: Overview
Ever since Citibank launched one of its earliest frequent flyer air miles credit cards in the 1980s, it's been offering an attractive range of credit card options. Among its more popular cards is the Citi PremierMiles Card which offers unlimited Citi miles that don't expire, priority pass airport lounge access, complimentary travel insurance, and online travel booking promotions.
Moreover, as a Citi PremierMiles Card holder, you'll be entitled to Citi-wide lifestyle and dining promotions in Singapore. If you're still considering whether to get the Citi PremierMiles Card, let's find out if this card is suitable for you as we consider the requirements, pros and cons and more.
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 (excluding online transactions in foreign currency) |
Miles expiry | Citi Miles never expire |
Travel portal bonus | Up to 10 miles per $1 via Kaligo and Agoda (Citi portal) |
Airport lounge access | 2 complimentary visits per year at Plaza Premium Lounges |
Travel insurance | Complimentary coverage when you charge full travel fare to card |
Annual renewal bonus | 10,000 Citi Miles every card anniversary |
Transfer partners | KrisFlyer, Asia Miles, Velocity, Etihad Guest, and 13+ airline programs |
Citi PayAll compatibility | Earn miles on rent, taxes, insurance payments |
Annual fee | $192.60 (1st year waived) |
Exclusive MoneySmart offer | Upsized $430 cash reward or 6,140 SmartPoints with min. $500 eligible spend within 30 days of card approval (Valid till 14 Mar 2026) |
Card Comparison: Citi PremierMiles vs HSBC TravelOne vs Standard Chartered Journey
Besides the Citi PremierMiles Card, the HSBC TravelOne Card and Standard Chartered Journey Card are among the many air miles credit card options available via MoneySmart's comparison tool. Let's compare their bonus miles earn rate, annual fees, and more.
Citi PremierMiles | HSBC TravelOne | Standard Chartered Journey | |
Interest rate | 27.9% p.a. | 27.8% p.a. | 27.9% p.a. |
Annual fee | $196.20 (1st year waived) | $196.20 (1st year waived) | $196.20 (1st year waived) |
Minimum annual income (Singaporeans/PRs) | $30,000 | $30,000 | $30,000 |
Minimum annual income (Foreigners) | $42,000 | $65,000 | $90,000 |
Bonus miles earn | 1.2 miles per $1 on local eligible spend 2.2 miles per $1 on overseas eligible spend | Up to 1.2 miles per $1 on local eligible spend Up to 2.4 miles per $1 on eligible foreign currency spend | Up to 3 miles per $1 on selected categories* (Transportation, food delivery, online groceries and other merchants) 1.2 miles per $1 on local eligible spend 2 miles per $1 on eligible foreign currency spend |
Travel portal bonus | Up to 10 miles per $1 on Kaligo; 7.2 miles per $1 on Agoda | N/A | N/A |
Airport lounge access | 2 complimentary visits per year | 4 complimentary visits per year | 2 complimentary visits per year |
Travel insurance | Up to S$1 million complimentary coverage | Up to S$150,000 complimentary coverage | Up to S$500,000 complimentary coverage |
Miles expiry | Citi Miles never expire | HSBC Rewards Points never expire | 360º Rewards Points never expire |
*Capped at $1,000 spend per statement month
Overall, the Citi PremierMiles Card stands out for travel portal bonuses (up to 10 Citi Miles and 7.2 Citi Miles per $1 spent on Kaligo and Agoda travel bookings respectively), while the HSBC TravelOne offers higher overseas miles earn rates (2.4 miles per $1) and more lounge visits. Standard Chartered Journey appeals to fee-conscious travellers seeking $0 annual fees and strong bonus category rewards.
How to Apply For The Citi PremierMiles Card in Singapore?
Applying for the Citi PremierMiles Card is straightforward if you know what to prepare and keep an eye on deadlines. Below, you'll find an integrated step-by-step guide on eligibility, required documents, fees, and tips for a smooth application process.
Eligibility criteria
Requirement | Singaporeans and PRs | Expats/foreigners |
Minimum age | 21 years old | 21 years old |
Minimum annual income | $30,000 | $42,000 |
Required documents | If applying manually:
| |
Application method | Recommended to use Singpass MyInfo (fastest and most seamless) via MoneySmart | Manual upload with document verification via MoneySmart |
Card fees & charges
Fee type | Amount/rate |
Annual fee | $196.20 (1st year waiver available for new cardholders) Otherwise, renewal bonus of 10,000 Citi Miles on annual fee payment |
Supplementary card fee | None; free for life |
Interest on purchases | 27.9% p.a. |
Foreign currency fee | 3.25% per overseas transaction |
Cash advance fee | 8% or $15 (whichever is higher) |
Overlimit fee | $40 |
Late payment fee | $100, if minimum payment not received by due date |
Miles transfer/redemption fee | $27.25 per conversion |
Step-by-step guide: Citi PremierMiles card application
Step | Action | What to do | Timeline |
1 | Apply for Citi PremierMiles with MoneySmart | On this page, click on the "Apply Now" button of the Citi PremierMiles Card to begin your application journey. | Immediate |
2 | Login with MyInfo/Singpass | Authenticate using Singpass MyInfo to auto-fill your personal details from government records, minimising manual entry and errors | 1-2 minutes |
3 | Upload required documents | If MyInfo is unavailable, manually upload digital copies of NRIC (Singaporean/PR), Passport and Employment Pass (foreigners), and latest income documents (e.g. salary slips or Tax Notice of Assessment). | 3-5 minutes |
4 | Review and confirm | Double-check all pre-filled and manually entered details before submitting. Errors or omissions can delay the process | 2-3 minutes |
5 | Submit application & wait for approval | Once submitted, most applicants receive instant approval if MyInfo is used and eligibility is clear. If additional documents or clarification are needed, approval may take longer. | Instant to 1-3 business days (MyInfo); 5-7 business days (Manual) |
6 | Card delivery and activation | Upon approval, your digital card details may be available for immediate use in the Citi Mobile® app. Meanwhile, your physical Citi PremierMiles credit card is typically mailed, and may be activated through the Citi Mobile® app once received. | 3-5 business days for physical card |
Pro-tips and common pitfalls to avoid
- Check exclusion list: Not all spends are eligible. Refer to Citi's table of excluded merchant category code (MCC) transactions before making large payments.
- Don't delay activation: Your welcome promo window starts upon approval or card activation, not first usage.
- Complete all promo steps: For MoneySmart exclusive promos, double-check the promotion eligibility/requirements and submit required forms within stated deadline.
- Fee/interest warning: Avoid activating "FlexiBill" or instalment features unless absolutely necessary, as these may disqualify you from sign-up rewards.
- Keep mobile app updated: Offers, e-statements, and spend tracking are easiest through the Citi Mobile® App.
The Citi PremierMiles Card is a good entry-level miles card for the casual miles chaser.
Learn more in our full review.
Customer Reviews on MoneySmart Credit Card Applications
How to Maximise Citi PremiereMiles: Miles Earning & Redemption Strategy
Citi Miles deliver strong value when redeemed strategically, but not all transfer partners and redemption types are created equal. Here, we focus on what makes Citi Miles programme valuable and where cardholders typically leave money on the table.
⭐ Before you transfer, keep these mechanics in mind:
- Most transfers require a minimum block of 10,000 miles; some partners accept 5,000 miles.
- Most transfers can take 3–5 business days to process.
- Take advantage of some airlines and partners that offer no miles conversion fees.
Comparison: Citi Miles value across transfer partners
Unlike a fixed "1 cent per mile" rule, Citi Miles value depends entirely on where you transfer them:
Transfer partner | Value per mile | Reason / Best-use case |
KrisFlyer (Singapore Airlines) | ~1 cent | Reliable award availability; consistent pricing across routes ⭐ Best value for consistent card users seeking long-haul flight redemptions |
Asia Miles (Cathay Pacific) | ~0.9 cent | Tighter award availability with higher fuel surcharges ⭐ Best for strategic bookings on Asian routes |
Marriott Bonvoy | ~1.2 cents | Premium hotel & 5-star property rates; transfer bonuses available ⭐ Best for luxury accommodation splurges |
Velocity (Virgin Australia) | ~0.85 cent | Good domestic availability but tight on international award flights ⭐ Best for domestic Asia-Pacific flights |
Etihad Guest | ~0.9 cent | Competitive on Middle East and Europe routes albeit lower fuel surcharges ⭐ Best for specific Middle East/Europe flight route redemptions |
Based on this table, transferring to Marriott Bonvoy delivers 20% more value than Velocity, and KrisFlyer beats Etihad by 10%. Your choice of partner directly impacts how much your miles are worth. Don't treat all travel partners equally; per 10,000 miles, some unlock $120 in value, while others deliver only $85 in value.
Citi portal vs transfer partners: Where to redeem?
Citi's Kaligo and Agoda portals offer bonus miles (up to 10 miles per $1 on Kaligo), but are they better value than transferring to partners?
Redemption method | Effective value | Processing | Best for |
Kaligo travel portal (10 miles per $1) | ~1.2 cents per mile | Immediate booking; miles credited within 7 days | High-spend travel bookings (packages, premium hotels) |
Agoda portal (7.2 miles per $1) | ~1 cent per mile | Immediate; miles credited within 7 days | Last-minute hotel deals; competitive rates |
Partner transfers (e.g. KrisFlyer) | ~1 cent per mile | 3–5 business days; flexibility to wait for award seats | Planned trips with fixed dates; premium cabin upgrades |
Citi PayAll redemptions | Variable (0.8–1.1 cent depending on payment type) | Instant credit; reduces outstanding balance | Rent, taxes, insurance payments; monthly recurring costs |
Recommendation:
- Use Kaligo or Agoda for big-ticket travel packages where you're booking hotels and flights together.
- Use partner transfers (KrisFlyer) for specific award flights or upgrades where availability matters more than flexibility.
READ: Best Credit Cards For Travel & Overseas Spending
Non-travel Citi Miles redemption options
Some Citi redemption methods deliver lower value-per-mile but may suit specific needs. Here's what to consider:
Redemption type | Value per mile | Caveat | When it makes sense |
Electronics/shopping vouchers | 0.3–0.5 cents | Prices in Citi's store might be higher than regular retail price online or in-store | You need something urgently or want a specific brand exclusive to the store |
Small-block transfers (< 10,000 miles) | ~0.7 cents | You lose out to fees and poor conversion rates when transferring small amounts | You're in a rush or a partner account is about to expire |
Overall, travel redemptions are still more worthwhile—in fact, it's usually worth 2–3 times more than alternative, non-travel redemption options. Hence, these options only make sense if you genuinely need an item or are at risk of wasting expiring frequent flyer (e.g. KrisFlyer) miles.
Who Should Get the Citi PremierMiles Card?
Frequent travellers
Miles enthusiasts/chasers
KrisFlyer & Star Alliance loyalty chasers
Perks & bonus hunters
Best for | Those travelling multiple times per year |
Local miles earn | 1.2 Citi Miles per $1 on eligible local spend |
Overseas miles earn | Up to 2.2 Citi Miles per $1 on eligible foreign currency spend |
Airport lounge access | 2 complimentary visits per year |
Travel insurance | Up to S$1 million complimentary coverage when you charge full travel fare to card |
Best for | Those maximising miles strategies |
Travel portal bonus | Up to 10 miles per $1 via Kaligo and Agoda (Citi portals) |
Perks | Citi Miles never expire and are redeemable across multiple airline programmes |
Best for | Singapore Airlines and Star Alliance loyalists |
Transfer partners | Direct transfers and seamless integration to KrisFlyer and global airline programs |
Redemption options | Award flights, upgrades, partner redemptions |
Best for | Value-seekers who maximise bonuses and perks |
Annual renewal bonus | 10,000 Citi Miles every card renewal (paying $196.20 annual fee + skipping waivers) |
Lounge access | Complimentary airport lounge visits |
Citi PayAll compatibility | Earn miles on rent, taxes, insurance |
Welcome promotions | MoneySmart exclusive offers (SmartPoints or cash rewards) |
Why it fits | Big recurring expenses and signup bonuses accelerate miles earning |
FAQs About Citi PremierMiles Card in Singapore
How much are 10,000 KrisFlyer miles worth?
10,000 KrisFlyer miles typically equal about S$100 (1 cent per mile) when redeemed for Singapore Airlines or Scoot flights, KrisShop purchases, or with Kris+ partners.
Do Citi Miles expire?
No, your Citi Miles never expire. This gives you the flexibility to accumulate miles over time for big-ticket redemptions.
How do I redeem my Citi Miles for airline or hotel rewards?
You can transfer miles to airline partners (e.g. KrisFlyer) or select hotel programmes, usually in blocks. Minimum transfer amounts and fees apply; transfers aren't instant, so factor in lead time.
What's the annual fee for the Citi PremierMiles Card?
The annual fee is $196.20 (with first-year fee waiver available) for the principal card, and is free for life for supplementary cards. If you skip the fee waiver, paying the annual fee earns you a 10,000 Citi Miles bonus upon each yearly renewal.
Who is eligible to apply for the Citi PremierMiles Card?
You must be at least 21 years of age and meet the minimum annual income requirement:
- Singaporeans/PRs: $30,000 per year
- Foreigners: $42,000 per year
How to apply: Use our MoneySmart Citi Credit Card comparison tool to compare all Citi credit card options, then click on the "Apply Now" button on the Citi PremierMiles Card to begin your application. Remember to fill up the MoneySmart Rewards Form to track your exclusive sign-up promotion fulfilment status.
During application, Singaporeans and PRs can leverage Singpass MyInfo to seamlessly retrieve personal details, or if submitting manually or are a foreigner, documents required typically include:
- A copy of your passport and work permit (min. 6 months' validity).
- A copy of utility/residential telephone/home broadband internet bill (excluding mobile phone bill) or bank statement with your name and address.
- Income Tax Notice of Assessment and latest computerised pay slip.
Can I convert my purchases into installments?
Yes. Eligible Citi PremierMiles Card transactions can be converted to installment plans such as FlexiBill. This allows you to convert either part of your statement balance or specific purchases into fixed monthly repayments (subject to Citibank approval). Note that interest and processing fees apply, and that early repayment may incur extra charges.
What fees and charges does the Citi PremierMiles Card have?
The card charges the following fees and charges:
- Annual fee: $196.20
- Supplementary card annual fee: None, free for life
- Foreign currency transaction fee: 3.25%
- Cash advance fee: 8% or $15, whichever is higher
- Overlimit fee: $40
- Late payment charge: $100 (plus daily interest accrues at Citibank's current EIR)
- Minimum monthly repayment: 1% of balance + 1% of unbilled installments + interest charges and late payment charges, or $50 (whichever is higher)