Citi PremierMiles Card

Citi PremierMiles Card

Citi PremierMiles Card

Citi PremierMiles Card

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UPSIZED CASH | FASTER FULFILMENT
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
on 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
MoneySmart Exclusive

Get UPSIZED S$370 Cash or 5,040 SmartPoints  in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).

Valid until 20 Dec 2024 - See more details below

Are you eligible?

    • Promotion is valid from 14th December 2024 to 20th December 2024.

    • 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 20th January 2025

What you need to know

  1. *Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.

  2. Use 5,040 SmartPoints to redeem any product on our Rewards Store such as:
    - Apple 13-inch MacBook Air M2 | Top up $920 more only
    - Apple iPad (10th Gen) | Top up $110 more only
    - Apple iPad (9th Gen) | Redeem in full
    - S$360 GrabGifts Vouchers | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  3. 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. 

  4. Get an additional S$80 Trip.com Coupon on top of the base gift! The S$80 Trip.com Coupon consists of a: S$50 New User Coupon + S$30 Existing User Coupon. Refer to T&Cs for more details.

  5. [Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 50,000 SmartPoints

  6. [Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.

  7. [Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this Citi PremierMiles Card, submit the claim form, and have it successfully approved.

  8. [Rollin’ Rewards] Redeem Epic Rewards with 50,000 SmartPoints such as:
    - iPhone 16 Pro Max (18,760 SmartPoints)
    - AND Apple Watch Ultra 2 (12,345 SmartPoints)
    - AND Apple AirPods Pro (4,030 SmartPoints)
    - AND Apple iPad Air Wi-Fi 11” (10,030 SmartPoints)

  9. [Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.

  10. Trip.com Coupon are only eligible to be used at this link: https://sg.trip.com/w/moneysmart20

  11. 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.

  12. 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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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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Citi PremierMiles Card Benefits 2024

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.

Customer Reviews on MoneySmart Credit Card Applications

⭐⭐⭐⭐⭐

Review by TJ. Hoo

"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "

As seen on Google

⭐⭐⭐⭐⭐

Review by D. Ng

"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."


As seen on Google

⭐⭐⭐⭐⭐

Review by A. Koh

"Great experience by signing up credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up another credit card as currently reviewing own financial expenses. Good job, Guys!"

As seen on Google

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.

Read Card Review

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.


Citi PremierMiles Card

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:

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

    • Air miles benefits:
  • Up to 10 Citi Miles per S$1 spent on online travel bookings via Kaligo and Agoda
  • 2.2 Citi Miles per S$1 spent overseas including retail and online
  • 1.2 Citi Miles per S$1 spent locally
  • No minimum spend or cap
  • Renewal bonus of 10,000 Citi Miles on your Card anniversary
  • 2 complimentary airport lounge visits per year for primary cardholders
  • Up to S$1 million complimentary travel insurance coverage

    • HSBC TravelOne Card

    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:

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

    • Air miles benefits:
  • 2.4 miles for every S$1 spent overseas
  • 1.2 miles for every S$1 spent locally
  • Up to S$150,000 complimentary travel insurance coverage
  • 4 complimentary airport lounge visits for primary cardholders

    • SCB Journey Credit Card

    Interest rate: 27.9% p.a.

    Annual fee: $196.20 (First year waived with "FEE WAIVED" option selected)

    Minimum annual income:

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

    • Air miles benefits:
  • 7.5 Rewards Points / 3 miles per S$1 spent on online transactions for transportation, grocery and food delivery
  • 5 Rewards Points / 2 miles per S$1 spent overseas
  • 3 Rewards Points / 1.2 miles per S$1 spent locally
  • 2 complimentary Priority Pass airport lounge visits for primary cardholders
  • Up to S$500,000 complimentary travel insurance coverage

    • 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.

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    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.

    Discover More About Credit Cards With Complimentary Travel Insurance

    Read More

    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

    Step 1

    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.

    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

    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.