For frequent travellers—or anyone who wants everyday spending to turn into flights—the Citi PremierMiles Card is a solid pick. Citi Miles never expire, so you can redeem them whenever you like. Earn 1.2 Citi Miles per $1 on local spend and up to 2 Citi Miles per $1 overseas, with no minimum spend. For travel bookings, you’ll get up to 10 Citi Miles per $1 through partners like Kaligo and Agoda.
Other perks include 2 complimentary airport lounge visits a year, the ability to transfer miles to 11 airline partners (including KrisFlyer), and a 10,000 Citi Miles renewal bonus annually.
So, is the Citi PremierMiles Card an air miles card worth getting? Let’s find out.
Citi PremierMiles Card Review—Is it MoneySmart? | ||
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Category | Our rating | The deets |
Earn rates: 360 Rewards Points | ✈️✈️✈️✈️ | – Citi Miles never expire! – 1.2 Citi Miles per S$1 local spend – 2 Citi Miles per S$1 foreign currency spend – 7 Citi Miles per S$1 overseas spend with Agoda’s Bonus Miles promotion – 10 Citi Miles per S$1 overseas spend with Kaligo’s Bonus Miles promotion – Renewal bonus of 10,000 Citi Miles on card anniversary with annual fee payment |
Earn categories | ✈️✈️✈️✈️ | |
Annual fees and charges | ★★★★☆ | $196.20 principal fee / $98.10 for supplementary cards |
Accessibility | ★★★★☆ | Minimum income requirement: $30,000 (Singaporeans) / $42,000 (non-Singaporeans) |
Extras/periphery rewards | ★★☆☆☆ | – 2 complimentary visits every year to Priority Pass airport lounges worldwide – Hotel, flight and other travel privileges—check them out here. |
Sign-up bonus | ★★★★☆ | Spend $500 within 30 days of card approval to receive one of the following: – $400 cash – 5,040 SmartPoints Plus, get an Eskimo Global 5GB eSIM (worth US$25). Promo ends 30 Sep 2025. |
Overall: ★★★★☆ Best for: Entry-level miles chasers who want miles that never expire.See our credit card ranking rubric to find out how we rank credit cards.
Citi PremierMiles Card (MoneySmart Review 2025)
- Citi PremierMiles Card: Essential information
- Citi PremierMiles Card: Eligibility
- Citi PremierMiles Card: Earn rates
- Citi PremierMiles Card: Sign-up promotion
- Who should use the Citi PremierMiles Card?
- Alternatives to the Citi PremierMiles Card
1. Citi PremierMiles Card: Essential information
- Local Spend
- S$1 = 1.2 miles
- All Foreign Currency Spend including Retail and Online
- S$1 = Up to 2.2 miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 miles
Apply and spend S$500 within 30 days to choose your reward: S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
The Citi PremierMiles Card is a good entry level miles card for the casual miles chaser. The earn rates are competitive, and we love that Citi Miles never expire. That means that you can take your time to accumulate them, and the card works for you even if you aren't a very frequent flyer.
Here's a quick overview of the fees and rates of the Citi PremierMiles Card:
Citi PremierMiles Card | |
Annual fee | $194.40 |
Supplementary annual fee | Complimentary |
Interest free period | 25 days |
Annual interest rate | 26.90% |
Late payment fee | $100 |
Minimum monthly repayment | Whichever is higher: – 1% + 1% of any outstanding unbilled instalment amounts, plus interest charges, plus late payment charge; OR – S$50 |
Foreign currency transaction fee | 3.25% |
Cash advance transaction fee | 8% or $15, whichever is higher |
Overlimit fee | $40 |
Minimum income | $30,000 (Singaporean/PR) / $42,000 (non-Singaporean) |
Card association | Mastercard |
Wireless payment | MasterCard PayPass, Samsung Pay, Apple Pay, Citi Pay |
2. Citi PremierMiles Card: Eligibility
The Citi PremierMiles card is about as accessible as miles card gets. Here are its eligibility conditions and income requirements:
- Minimum income for Singaporeans: $30,000
- Minimum income for non-Singaporeans: $42,000
- Minimum age: 21 years
So if you're a Singaporean adult (even if just barely one), you can apply for this card as long as you earn $2,500 a month.
3. Citi PremierMiles Card: Earn rates
The Citi PremierMiles card earns you 1.2 Citi Miles per S$1 local spend and 2 Citi Miles per S$1 foreign currency spend. That's pretty much the base rate for entry level miles cards—the Standard Chartered Journey Credit Card and DBS Altitude Visa Signature Card have the exact same earn rates for these spend types.
Some entry level cards edge past the Citi PremierMiles Card. The UOB PRVI MASTERCARD Miles Card, for example, earns you 1.4 miles per S$1 local spend (UNI$3.5 per S$5 spend) and 2.4 miles per S$1 overseas spend (UNI$6 per S$5 spend).
On top of the regular earn rates for general local and foreign spend, you'll also earn extra for certain travel bookings:
- 7 Citi Miles per S$1 overseas spend with Agoda
- 10 Citi Miles per S$1 overseas spend with Kaligo
But the biggest draw of the Citi PremierMiles Card? You don't get with many miles cards is the fact that Citi Miles have eternal life. Yup, that's right—these miles never expire!
4. Citi PremierMiles Card: Sign-up promotion
The Citi PremierMiles Card comes with a pretty generous sign-up promotion if you apply via MoneySmart:
- $400 cash OR
- 5,040 SmartPoints
Plus, get an Eskimo Global 5GB eSIM (worth US$25).
And the spending requirement to redeem the welcome gifts also isn't too difficult to meet: spend $500 within 30 days of card approval.
5. Who should use the Citi PremierMiles Card?
The Citi PremierMiles Card is fantastic for making travel bookings and big purchases. Both the overseas and local earn rates lose to its biggest competitor the UOB PRVI Miles Card ($1 = 2.4 miles for foreign currency spend, and $1 = 1.4 miles for local spend, no minimum).
That said, you may get quite a bit of utility out of the Citi PremierMiles Card if you make most (if not all) your bookings via travel aggregators Agoda and Kaligo, thanks to the current travel promotions and bonus earn rates.
The Citi PremierMiles Card also comes with Priority Pass membership for the Principal cardmember only (on application basis, 2x airport lounge visits per year).
6. Alternatives to the Citi PremierMiles Card
I mentioned earlier that the Citi PremierMiles has poorer earn rates than its main competitor, the UOB PRVI Miles Card. Let’s compare it against similar credit cards on the market:
UOB PRVI Miles Card: Better earn rates than the Citi PremierMiles, at $1 = 1.4 miles (local) and 2.4 miles (overseas), hence a better credit card for day-to-day use. It also has a competitive travel booking promotion with $1 = up to 6 miles (Agoda, Expedia, UOB Travel).
- on agoda and Expedia bookings via UOB PRVI Miles website.
- S$1 = Up to 8 miles
- on Overseas Spend
- S$1 = Up to 3 miles
- on Local Spend
- S$1 = 1.4 miles
Get a SURE-WIN S$30 Cash for New-To-UOB customers who apply and make just one eligible transaction within 30 days from approval. T&Cs apply.
American Express Singapore Airlines KrisFlyer Ascend Credit Card: Poorer overall earn rates than the Citi PremierMiles Card, but has bonus accrual for Grab rides capped at $200 (2 KrisFlyer miles = S$1). Its welcome offer is also less attainable: You'll only get your 21,500 worth of KrisFlyer Miles after you spend at least S$1,000 within the first 2 months of card approval.
- on eligible Singapore Airlines, Scoot flight bookings, KrisShop & Pelago purchases, with no cap
- S$1 = 2 KrisFlyer miles
- on eligible Grab Singapore transactions
- S$1 = Up to 2 KrisFlyer miles
- on all other eligible purchases
- S$1 = 1.2 KrisFlyer miles
Maybank Horizon Visa Signature Card—High rte of 2.8 air miles (7X TREATS Points) for every S$1 spent on air tickets and foreign currency transactions. The catch? The $800 minimum spend requirement.
- on Air Tickets and Foreign Currency Spend
- S$1 = 7X Points
- on local Shopping, Groceries, Dining, Hotel Bookings
- S$1 = 3X Points
- Rewards to Miles Conversion for Selected Airline Partners
- 1 Point = 0.4 Miles
All in all, the Citi PremierMiles Visa Card has a decent, no-strings-attached welcome bonus, and is a decent entry level miles card. Its main spend category for bonus miles is travel booking sites, but even for those, you're better off with the UOB PRIVI Miles card's more attractive earn rates.
If you want to earn miles while swiping for day-to-day stuff like meals and transport instead, then the Maybank Horizon Visa Signature is a much, much better choice.
P.S. Here’s our MoneySmart credit card ranking rubric
In case you’re wondering, here’s how we decide on our credit card rankings.
Is that credit card MoneySmart? Our MoneySmart credit card ranking rubric | |
Category | Our rating |
Overall | The average rating for the credit card on the whole, calculated from the ratings for the individual categories below. Plus, we’ll give you a one-liner on who we think the credit card is best suited for. |
Earn rates: Air miles / Cashback / Rewards points | Air miles ✈️✈️✈️✈️✈️ / Cashback / Rewards points . This category looks at the depth rather than breadth of earn rates.
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Earn categories | This category looks at the breadth rather than depth of your earnings.
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Annual fees and charges |
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Accessibility | Minimum income requirements:
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Extras/periphery rewards | These include:
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Sign-up bonus |
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Check out all our MoneySmart credit card reviews: The Ultimate List of Credit Card Reviews in Singapore.
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