Citi PremierMiles Card

Citi PremierMiles Card

Citi PremierMiles Card

Citi PremierMiles Card

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EARN SMARTPOINTS OR CASH
Citibank PremierMiles Card is a frequent flyer’s card with priority pass lounge access in airports, travel insurance, miles that don’t expire, and online travel booking promotions. With Citi-wide lifestyle and dining promotions in Singapore and an accessible minimum income, this makes a good entry-level air miles 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 Exclusive

[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
 
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
 
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
 
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
 
Alternatively, you can also choose S$300 Cash via PayNow. T&Cs apply

Valid until 30 Nov 2023 - See more details below

Are you eligible?

    • Promotion is valid from 01-November-2023 to 30-November-2023

    • Applicable for New-to Citibank Cardmembers only

    • Customers need to apply through MoneySmart to be eligible

What you need to know

  1. Log into your MoneySmart account and submit your claim by 30th December 2023

  2. *Faster Rewards Redemption: Receive your Reward as fast as 6 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.

  3. Charge S$500 in eligible transactions within the first 30 calendar days from the Credit Card approval date to qualify for your SmartPoints. 

  4. Get S$300 Cash via PayNow as your reward

  5. OR Earn 5,100 SmartPoints which can be used to redeem any product from the Rewards Store here.

  6. Use SmartPoints earned to redeem: Apple iPad Wi-Fi 9th Gen, 64GB (5,040 SmartPoints) OR Nintendo Switch OLED (5,000 SmartPoints) OR Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)  AND many other products!

  7. SmartPoints will be credited into your SmartPoints Wallet with a validity period of 60 days. T&Cs apply.

  8. For more information regarding SmartPoints, refer to our FAQ here.

  9. 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.

  10. MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Making full use of the welcome bonuses with upcoming big expenses like home renovations, weddings, or family vacations

Good for

Frequent travelers who require priority pass lounge access and travel insurance; homeowners with bills to consolidate

Categories to maximise this card

Online travel booking sites such as Kaligo and Agoda; bills and IRAS tax

What people use it for

Travel bookings, big expenses, and daily local and overseas expenditure

Get if

You need to maximize your online travel bookings, bills, tax, and daily expenditure; you appreciate miles that don’t expire

All Details

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Citi PremierMiles Card Review 2023

Ever since Citibank launched one of its earliest frequent flyer air miles credit cards in the 1980s, it has been providing an attractive range of credit card options that cater to frequent flyers. Among its more popular cards is the Citi PremierMiles Card which offers miles that don’t expire, priority pass lounge access in airports, 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.

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

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.

CitiPremierMiles Card

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:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

    • Air miles benefits:
  • 10 Citi Miles per S$1 spent on online travel bookings via Kaligo and Agoda
  • 2 Citi Miles per S$1 spent overseas
  • 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
  • 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)
  • 2 complimentary airport lounge visits per year for primary cardholders
  • Complimentary travel insurance coverage

    • HSBC TravelOne Card

    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:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners

    • Air miles benefits:
  • Welcome gift of up to 20,000 air miles upon annual fee payment
  • 2.4 miles for every S$1 spent overseas
  • 1.2 miles for every S$1 spent locally
  • Complimentary travel insurance coverage
  • 4 complimentary airport lounge visits for primary cardholders

    • SCB Journey Credit Card

    Interest rate: 26.90

    Annual fee: $194.40 (First and second year waiver available)

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners

    • Air miles benefits:
  • Welcome gift of up to 10,000 air miles upon annual fee payment
  • 7.5 Rewards Points / 3 miles for every S$1 spent on online transactions for transportation, grocery and food delivery
  • 5 Rewards Points / 2 miles for every S$1 spent overseas
  • 3 Rewards Points / 1.2 miles for every S$1 spent locally
  • 2 complimentary airport lounge visits for primary cardholders
  • Complimentary travel insurance coverage

    • Citi PremierMiles Card Application

    Here are 3 simple steps to apply for the Citi PremierMiles Card

    Step 1

    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.

    Step 2

    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:

  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)

    • Step 3

    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.

    Read card review