Citi PremierMiles Card Review—Citi Miles That Never Expire

Citi PremierMiles Card Review—Citi Miles That Never Expire

The Citi PremierMiles Card used to be in the spotlight for the longest time: It was considered one of the most popular Citibank credit cards, and once upon a time, some even regarded it as the best miles credit card in Singapore. It was an accessible, entry-level card, has decent earn rates, and most importantly, came with one of the best sign-up bonuses in town of 45,000 miles.

Earning miles on an air miles credit card takes a painfully long time, and one way to work around that is to get a credit card with a big sign-up bonus so you can get a sizeable bump in your miles. But with the days of a 45,000 miles present behind us, is the Citi PremierMiles Card still worth getting? Let’s find out.

Citi PremierMiles Card Review—Is it MoneySmart?
citi-premiermiles-card

Overall: ★★★★☆
Best for: Entry-level miles chasers who want miles that never expire.

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
Up to 10 Citi Miles per S$1 on online travel bookings via Kaligo and Agoda
– Renewal bonus of 10,000 Citi Miles on card anniversary with annual fee payment
Earn categories ✈️✈️✈️✈️
Annual fees and charges ★★★★☆ S$194.40 principal fee / No fee 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
– Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount = Total of 14% savings effectively
– Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount = Total of 14% savings effectively
Sign-up bonus ★★★★☆ Spend $500 within 30 days of card approval to receive one of the following:
– Apple iPad 10.2′ 64GB, 9th Gen (worth S$503.65)
– ErgoTune Supreme V3 Ergonomic Chair (worth S$599)
– Apple HomePod 2nd Gen (worth S$429)
– S$300 Cash via PayNow 

See our credit card ranking rubric to find out how we rank credit cards.

 

Contents:

  1. Citi PremierMiles Card: Essential information
  2. Citi PremierMiles Card: Eligibility
  3. Citi PremierMiles Card: Earn rates
  4. Citi PremierMiles Card: Sign-up promotion
  5. Who should use the Citi PremierMiles Card?
  6. Alternatives to the Citi PremierMiles Card

 

1. Citi PremierMiles Card: Essential information

Citibank logo
MoneySmart Exclusive
Faster Gift Redemption | Earn 2 Miles per S$1
Local Spend
S$1 = 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2 Miles
Selected Online Hotel Bookings
S$1 = Up to 10 Miles
MoneySmart Exclusive:

[FASTER GIFT FULFILMENT | FLASH DEAL]
Get an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED + S$60 Cash (worth S$609) or S$450 Lendlease E-Vouchers (can be used at 313@somerset, Jem, Parkway Parade, PLQ) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS for a limited time only, get an additional S$50 Shopee E-Voucher on top of your baseline gift when you are the first 15 customers to submit the claim form at 2PM & 9PM daily! T&Cs apply.

Valid until 31 May 2024

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 6% 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

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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: S$30,000
  • Minimum income for non-Singaporeans: S$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.

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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!

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4. Citi PremierMiles Card: Sign-up promotion

The Citi PremierMiles Card comes with a pretty generous sign-up promotion if you apply via MoneySmart:

  • Apple iPad 10.2′ 64GB, 9th Gen (worth S$503.65) OR
  • ErgoTune Supreme V3 Ergonomic Chair (worth S$599) OR
  • Apple HomePod 2nd Gen (worth S$429) OR
  • S$300 Cash via PayNow

And the spending requirement to redeem the welcome gifts also isn’t too difficult to meet: spend $500 within 30 days of card approval.

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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) and complimentary travel insurance coverage of up to $1,000,000.

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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).

UOB logo
MoneySmart Exclusive
LUCKY DRAW | UP TO S$11,000 WORTH OF PRIZES!
Local Spend
S$1 = 1.4 Miles
Overseas Spend
S$1 = 2.4 Miles
Selected Online Hotel and Flight bookings
S$1 = 6 Miles
MoneySmart Exclusive:

[UP TO S$11,000 WORTH OF PRIZES]
Stand a chance to win up to 2 Grand Prizes when you apply through MoneySmart! No min. spend required! T&Cs apply.
 

  • A pair of Day 1 Category 1 Ticket for ASMeiR Max 2024 World Tour - Singapore (worth S$656)! [10 Winners]
  • Samsung Galaxy S24 Ultra 512GB (worth S$2,458) or 68,000 Air Miles (worth a Business Class Round Trip to Taiwan for 1) or a Sony WH-1000XM5 Headphones (worth S$589)! [3 Winners]

 
PLUS get up to 50,000 miles from UOB when you spend a min. of S$1,000 on their new UOB PRVI credit card for 2 consecutive months from card approval date, payable first-year annual fee and SMS registration required. T&Cs apply.

Valid until 31 May 2024

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 (3.2 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 month of card approval and pay the annual fee of S$340.20.

American Express logo
Convenience & Perks for Frequent Flyers
Local Spend
S$1 = 1.2 Miles
Overseas Spend
S$1 = 2 Miles
on Eligible Grab transaction, capped at $200 per month
S$1 = 3.2 Miles

Maybank Horizon Visa Signature CardWith high bonus earn rates ($1 = 3.2 miles) on local dining, petrol and taxis, it’s hard to beat this one for getting miles on your daily expenses. There is a $300 minimum spend, which is reasonably low. Rewards are capped at 30,000 TREATS points per month.

Maybank logo
Online Promo
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.

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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.

  • 5 stars means this card’s got the highest earn rates within that credit card type.
  • 3-4 stars mean it’s average
  • 1-2 stars reflect earn rates that are below average.
Earn categories This category looks at the breadth rather than depth of your earnings.

  • 5 stars: Earn with ANY spend.
  • 3-4 stars: Earn on a large number of categories (e.g. all dining, transport and retail, but not telco bills) OR earn on 1 very broad category (e.g. all contactless/mobile payments).
  • 1-2 stars: Earn a decent rate only on selected categories, such as fast food only.
Annual fees and charges
  • 5 stars: $0 
  • 4 stars: $1-200
  • 3 stars: $201-500
  • 2 stars: $501-$999
  • 1 star: $1,000 and up
  • We dock a star if fee waiver is NOT allowed.
Accessibility Minimum income requirements:

  • 5 stars: Less than $30,000 a year
  • 4 stars: Around $30,000 a year for Singaporeans and $40,000-$45,o00 for non-Singaporeans
  • 3 stars: $30,000-$60,000 a year for Singaporeans, $40,000-$70,000 for non-Singaporeans
  • 2 stars: $60,000-$120,000 a year for Singaporeans, $70,000-$120,000 for non-Singaporeans
  • 1 star: $120,000 and up for either, or both

Exclusivity: We dock 1-2 stars if there is/are another category/categories that make the card exclusive and very specific to a certain clientele.

Extras/periphery rewards These include:

  • Travel benefits, such as airport lounge access
  • Lifestyle benefits, such as spa privileges
  • Dining benefits, such as complimentary AMEX Love Dining or Entertainer with HSBC subscriptions

We count the number of benefits and award between 0.5 to 2 stars for each, depending on how good the perk is.

Sign-up bonus
  • 5 stars: The gift(s), cash, or miles are the highest we see out there compared to other credit cards of the same type (miles, cashback, etc). Also easy to attain these welcome bonuses.
  • 3-4 stars: Average but not disappointing sign-up bonus compared to other credit cards. You aren’t losing out.
  • 1-2 stars: You are probably losing out in terms of the welcome bonus you’re getting; there are other similar credit cards with sign-up bonuses that are better or easier to attain.

Check out all our MoneySmart credit card reviews: The Ultimate List of Credit Card Reviews in Singapore.

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