Citi PremierMiles Card
Citi PremierMiles Card
- S$1 = 1.2 Miles
- Local Spend
- S$1 = Up to 2 Miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 10 Miles
- Selected Online Hotel Bookings
[MONEYSMART LUCKY DRAW]
Get an Apple iPad Wi-Fi, 64GB 9th Gen (worth S$503.65) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) or S$300 Cash via PayNow when you apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from card approval date. T&Cs apply.
PLUS stand a chance to win a MacBook Air M2 15-inch or an Apple iPhone 14 Pro or an Apple Watch Ultra today! T&Cs apply.
Are you eligible?
Promotion is valid from 15-September-2023 to 30-September-2023
Applicable for New-to Citibank Cardmembers only
Customers need to apply through MoneySmart to be eligible
What you need to know
Log into your MoneySmart account and submit your claim by 30th October 2023
*Faster Gift Redemption: Receive your gift as fast as 6 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Spend a min. of S$500 in Eligible Spends within 30 days from account approval date
Gift Options: Apple iPad Wi-Fi, 64GB 9th Gen (worth S$503.65) OR a Nintendo Switch OLED Gaming Console (worth S$549) OR a Sony WH1000-XM5 Wireless Noise Cancelling Headphones (worth S$575) or S$300 Cash via PayNow
Stand a chance to win a MacBook Air M2 15-inch, 256GB (worth S$1,899) or an Apple iPhone 14 Pro, 256GB (worth S$1,664.40) or an Apple Watch Ultra (worth S$1,210.20) when you sign up through MoneySmart and participate in our MoneySmart Lucky Draw! T&Cs apply.
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 gifts and rewards do not stack with external or third party promotions. Kindly refer to T&Cs for details.
All Details
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Citi PremierMiles Card Review 2023
Pros & Cons
Pros
- Up to 30,000 bonus Citi Miles when you spend S$800 in the first 2 months (subject to change in promotions’ terms and conditions)
- Earn air miles that don’t expire
- Up to 10 Citi Miles per S$1 spent on online travel bookings via Kaligo and Agoda
- Up to 2 Citi Miles per S$1 spent overseas
- Up to 1.2 Citi Miles per S$1 spent locally
- No minimum spend or cap for overseas spending
- Renewal bonus of 10,000 Citi Miles on your card anniversary
- 2 complimentary visit per year to over 1,300 airport lounges worldwide
- Complimentary travel insurance coverage
- Members-only dining and shopping privileges
Cons
- Annual fee of $194.40 (waiver upon request for existing cardholders, first-year fee waiver available for new cardholders with a minimum spend of S$800)
- Supplementary card annual fee of $97.20
- Higher interest rates as compared to most cards in the air miles credit card category
Compare Citi PremierMiles Card vs. HSBC TravelOne Card vs. SCB Journey Credit Card (H2)
Besides the CitiPremierMiles Card, others like the HSBC TravelOne Card and Standard Chartered’s Journey Credit Card are among the many air miles credit card options you would have seen on MoneySmart’s online credit card comparisonwizard.
Let’s do a quick comparison of these 3 credit cards, focusing on the key factors including the air miles benefits, interest rates, annual fees and minimum annual income requirements.
The Citi PremierMiles Card used to offer the same interest rate and annual fee as the HSBC TravelOne Card and Standard Chartered’s Journey Credit Card, but has revised their interest rate to be slightly higher at 27.90% this year. Although the Citi PremierMiles Card charges the highest interest rates among the three cards, it offers the best miles earn rate with up to 10 miles for every S$1 spent on online hotel bookings, and on top of that, it has the most generous welcome bonus air miles.
As for the annual fees, Standard Chartered’s Journey Credit Card gives you the most flexibility in having the first and second year of annual fee waived. If you’re a Singaporean/PR, the minimum income requirement is the same for all these 3 cards, however, foreigners may find SCB Journey Credit Card’s minimum income requirement a little on the high side. Considering all these factors, the Citi PremierMiles Card seems to be a good entry-level air miles card with a wider range of benefits as compared to the other 2 cards.
Interest rate: 27.90%
Annual fee: $194.40 (waiver upon request for existing cardholders, first-year fee waiver available for new cardholders with a minimum spend of S$800)
Minimum annual income:
Air miles benefits:
Interest rate:26.90%
Annual fee: $194.40 for Year 1 (second year waiver available only upon minimum annual spending of S$25,000)
Minimum annual income:
Air miles benefits:
Interest rate: 26.90
Annual fee: $194.40 (First and second year waiver available)
Minimum annual income:
Air miles benefits:
Citi PremierMiles Card Application
Here are 3 simple steps to apply for the Citi PremierMiles Card
Apply via MoneySmart’s Best Air Miles Credit Cards in Singapore page
You may begin your application by clicking on our Citi PremierMiles Card "Apply now" button. When you choose to apply online or through the Citi Mobile® App and via SingPass MyInfo, Citibank will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Provide all documentation required
You’ll need to provide all the necessary documentation in order for Citibank to approve your personal loan application. This list of documents include:
Receive your Citi PremierMiles Card
You’ll be able to activate your Citi PremierMiles Card instantly through the Citi Mobile® App and be invited to enter your 6-digit Unlock Code to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your air miles rewards with your Citi Mobile® App!
Frequently Asked Questions
What are the fees payable when I apply for the Citi PremierMiles Card?
- The Citi PremierMiles Card charges an annual fee of $194.40 (waiver upon request for existing cardholders, first-year fee waiver available for new cardholders with a minimum spend of S$800), cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.
Are there any welcome bonus air miles when I sign up for the Citi PremierMiles Card?
- Yes, there is a welcome bonus of up to 30,000 Citi Miles when you spend S$800 in the first 2 months (subject to change in promotions’ terms and conditions) if you sign up for the Citi PremierMiles Card as a new cardholder.
Am I eligible for the Citi PremierMiles Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the Standard Chartered Journey credit card, as long as you’re aged 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $42,000 (for foreigners).
If I’m late for my monthly Citi PremierMiles Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Citibank at the point of your late payment.
The Citi PremierMiles Card is a good entry level miles card for the casual miles chaser.
Want to read more? Check out our full review of Citi PremierMiles in our blog.