Citi PremierMiles Card
Citi PremierMiles Card
- S$1 = 1.2 miles
- Local Spend
- S$1 = Up to 2.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 10 miles
- Selected Online Hotel Bookings
Enjoy an UPSIZED 6,140 SmartPoints or S$400 Cash, and a S$50 Trip.com Hotel Coupon in as fast as 5 weeks when you spend S$500 within 30 days. Get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
Are you eligible?
MoneySmart Exclusive Promotion is valid from 19-March 2025 to 31-March-2025
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.
Log into your MoneySmart account and submit your claim by 30th April 2025
What you need to know
Get EXTRA S$50 Cash or 700 SmartPoints on top of your baseline gifts when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months!
Only recurring payments to eligible merchants listed in the T&Cs will be deemed eligible for this promotion. Refer to the T&Cs for more information on the participating merchants.
Get a S$50 Trip.com Hotel Coupon* when you are the first 1,000 customers to meet the eligibility criteria and submit the claim form.
[Rollin’ Rewards] We’re giving away 93,800 SmartPoints this month! Enrol in Rollin' Rewards by completing a simple 3-min questionnaire today.
[Rollin’ Rewards] This earns you 1 chance to win in our draw.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this Citibank Credit Card Promotion, submit the claim form, and have it approved.
[Rollin’ Rewards] 5 lucky winners walk away with 18,760 SmartPoints each (enough to redeem an Apple iPhone 16 Pro Max 256 GB)
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—your chance(s) of winning will automatically roll over into next month’s draw. T&Cs apply.
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use 6,140 SmartPoints 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.
All Details
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Citi PremierMiles Card Benefits 2025
Customer Reviews on MoneySmart Credit Card Applications
Pros & Cons Of Citi PremierMiles Card
Pros ✅
- Earn unlimited Citi Miles that don't expire
- Up to 10 Citi Miles per $$1 spent on online travel bookings via Kaligo
- Up to 7.2 Citi Miles per $$1 spent on online travel bookings via Agoda
- Up to 2.2 Citi Miles per $$1 spent overseas including retail and online
- 1.2 Citi Miles per S$1 on local spend
- No minimum spend or cap
- Annual fee of $196.20 (First year waived with min. qualifying S$500 spend when applying through MoneySmart)
- Renewal bonus of 10,000 Citi Miles on your card anniversary
- 2 complimentary visits per year to over 1,300 airport lounges worldwide
- Up to S$1 million complimentary travel insurance coverage
- Earn Citi Miles on rent, insurance premiums, education expenses, and more with Citi PayAll
- Members-only dining, shopping, travel privileges, and redemption discounts
Cons ❌
- Supplementary card annual fee of $98.10
- Relatively lower miles earn rate on foreign currency spend as compared to other miles cards
The Citi PremierMiles Card is a good entry-level miles card for the casual miles chaser.
Learn more in our full review of Citi PremierMiles Card.
Comparison: Citi PremierMiles Card vs. HSBC TravelOne Card vs. SCB Journey Credit Card
Besides the Citi PremierMiles Card, 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 comparison wizard.
Let’s do a quick comparison of these 3 credit cards, focusing on the the components: air miles benefits, interest rates, annual fees and minimum annual income requirements.
Interest rate: 27.9% p.a.
Annual fee: $196.20 (First year waived with min. S$500 qualifying spend within 30 days of card approval when applying through MoneySmart)
Minimum annual income:
Air miles benefits:
Interest rate: 27.8% p.a.
Annual fee: $196.20 (Subsequent years' fee waived with min. S$25,000 annual card spend)
Minimum annual income:
Air miles benefits:
Interest rate: 27.9% p.a.
Annual fee: $196.20 (First year waived with "FEE WAIVED" option selected)
Minimum annual income:
Air miles benefits:
Overall, the Citi PremierMiles Card offers the best travel benefits, earning cardholders up to 10 Citi Miles and 7.2 Citi Miles per S$1 spend on Kaligo and Agoda travel bookings respectively. Plus, cardholders are entitled to 2 complimentary airport lounge visits per year. The other 2 miles cards don’t explicitly offer bonus miles on dedicated OTA travel bookings.
Moreover, the Citi PremierMiles Card still offers a fairly attractive rate of 1.2 miles per S$1 (mpd) on local spend and 2 mpd on foreign currency spend. Although these rates aren’t as competitive as HSBC Revolution for instance, ultimately, the significance of this difference depends on your spending habits and appetite tolerance for maximising miles.
Credit Card With Complimentary Travel Insurance Coverage
Many credit cards offer complimentary travel insurance, providing a safety net for your journeys. While benefits can vary widely between card issuers like Citi, AMEX, UOB, DCS, DBS Altitude, and CIMB, common coverages include:
- Medical emergencies: Coverage for medical expenses incurred while travelling overseas.
- Trip disruptions: Assistance with costs if your trip is cancelled or interrupted.
- Travel delays: Compensation for unexpected delays during your journey.
- Lost or Delayed luggage: Reimbursement for essential items if your baggage goes missing.
- Rental car coverage: Protection against damages or theft to your rental vehicle.
- Personal accidental coverage: Protection against unforeseen accidents such as death or personal disablement during your trip.
Note: There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please refer here.
Discover More About Credit Cards With Complimentary Travel Insurance
Citi PremierMiles Card Requirements
Age
Singapore Citizens/PRs
21 and above
Foreigners/Expats
21 and above
Income
S$30,000
S$42,000
Documents required
For salaried employees:
- A copy of NRIC/passport
- Latest original computerised payslip or Tax Notice of Assessment or last 12 months' CPF statements
For self-employed:
- A copy of NRIC/passport
- Last 2 years' Income Tax Notice of Assessment
- Last 3 months' bank statements
- A copy of passport and valid work permit (with minimum 6 months validity)
- A copy of utility/telephone bill or bank statement with your name and address
- Income Tax Notice of Assessment and latest original computerised payslip
How to Apply For Citi PremierMiles Card in Singapore?
Here are 3 simple steps to apply for the Citi PremierMiles Card
Apply via MoneySmart
Start your application by clicking the “Apply Now” button via MoneySmart.
Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.
Once successfully submitted, the approval-in-principle page should appear within a few minutes.
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)
Receive your Citi PremierMiles Card
Activate your Citi PremierMiles Card instantly via the Citi Mobile® app using a 6-digit code for secure transactions. Once activated, you can start tracking your miles and rewards with your expenses.
Frequently Asked Questions About Citi PremierMiles Card
What are the fees payable when I apply for the Citi PremierMiles Card?
- The Citi PremierMiles Card charges an annual fee of $196.20 (first year waived with min. S$500 eligible spend within first 30 days of card approval)), cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.
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, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $42,000 (Foreigners), you’re eligible to apply for the Citi PremierMiles Card.
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.