This card is one of our top travel reward cards available in the market. If you're a consumer who is willing to jump through a few hoops to get extra savings and earn miles concurrently, this is the card for you. Citi PremierMiles Card is great for an average consumer because it’s relatively affordable to use, earns great miles and provides flexible redemption with over 60 airlines and 8,000 hotel properties.
Pros of Citi Premier Miles
- 1.2 miles for S$1 spent locally, 2 miles for S$1 spent overseas, 10x miles for online travel bookings
- 14% off petrol spend at Shell & Esso
- Flexible convertibility to over 60 airlines & 8,000 hotel properties, including Star Alliance, Skyteam, IHG rewards and Hilton HHonors points
- Promotion: Up to 30,000 bonus miles (15,000 when you apply and spend within first 3 months + 15,000 miles when you spend a total of $10,000 within first 3 months, 10,000 miles when you pay the annual fee and renew
Cons of Citi Premier Miles
- No annual fee waiver
- S$25 administration fee for each Frequent Flyers Programme redemption
What makes the Citi Premier Miles Card stand out
The rewards you earn using this card are called Citi Miles – they are among the best rewards miles available. What makes the miles so valuable is the ability for Citi Premier Miles Card holders to transfer their miles to over 60 airlines and 8,000 hotel properties, including Singapore Airlines (KrifsFlyer), Korean Air (SkyMiles) and Hilton Hotels (HHonors points). These credit cards perform the best for travelers who aren’t particularly loyal to one airline or hotel brand, and prefer to shop around for the best prices. This feature is what makes the Citi Premier Miles Card excellent for travelers who may have their loyalty spread across an array of different brands. You can pick and choose where to allocate them, depending on your vacation and trip needs.
Citi Premier Miles Card also features some of the best ways to rack up miles and save money. First, its 1.2x Citi Miles on all local spend plus 2x Citi Miles on all overseas spend are a nice way to earn miles. It isn’t as high as what you get with Citi Prestige or Standard Chartered Visa Infinite cards, but you are only paying S$192.6 a year to use Citi PremierMiles compared to almost S$600 for the other two. While Citi doesn’t provide a waiver for this card’s annual fee, you receive a loyalty gift of 10,000 miles when you pay and renew the card. Citi PremierMiles isn’t cheap with bonus miles either, adding up to 30,000 miles when you apply and spend S$10,000 within the first 3 months. That is worth anywhere between S$300 and S$2,400 when redeemed for air miles. As if that were not enough, you can save 14% off your petrol purchase at Shell & Esso stations in Singapore, a courtesy of Citibank.
To summarize, Citi PremierMiles Card combines a great affordability, abundant mile awards, flexible redemptions and smart savings into one card. If you are not looking to spend too much money, but still want to reap the benefits of a quality travel card, Citi PremierMiles Card could definitely be an adequate solution to fulfill your needs.
Citi PremierMiles Visa Card's Features and Benefits:
- Annual fee: S$192.6, but not waived, 10,000 miles when you pay the annual fee and renew
- APR: 24%
- 50,000 salary requirement for both citizens & foreigners
- Earn 1.2 Citi Miles for every S$1 you spend locally
- Earn 2 Citi Miles for every S$1 you spend overseas
- Up to 10x Citi Miles for online travel bookings
- 14% off your petrol at Shell & Esso
- Miles never expire
- Part of Visa Signature Privileges, with discounts & benefits at shopping, golf, dining.
- Citi Rebate: Up to 10% rebate at over 700 merchant outlets including Burger King, Cold Storage, Shell and Starbucks
How Does the Citi PremierMiles Compare Against Other Credit Cards?
We have done a compare and contrast analysis of Citi Premier Miles card against other cards in the market. Read below to learn how they are different and which card would be most suitable for your circumstances.
Citi PremierMiles Card vs Citi Prestige MasterCard Credit Card
Citi Prestige MasterCard Credit Card is essentially a higher-end version of Citi PremierMiles Card. While Citi PremierMiles Visa Card charges S$192.6 of annual fee (no waiver), Citi Prestige MasterCard Card costs S$535 per year to use. Because of this difference, Prestige awards you 1.3 miles for your local spend vs 1.2 miles awarded by PremierMiles. Prestige also includes many more perks like unlimited VIP lounge access, SPG Gold Status and a whole bunch of other rewards. Other attributes are quite similar. Both cards reward you 2 miles for every dollar spent overseas and 10x miles for every dollar spent on travel. PremierMiles has a welcome bonus of 30,000 miles, while Prestige is giving out 25,000 miles of welcome award. So if you are looking for a decent travel card that doesn’t require a lot of spending and you don’t care much for perks, Citi PremierMiles Visa Card might be a better choice for you. If you like to travel in style and you have the budget to support a high level of expense, we think Citi Prestige MaterCard Card could be a better fit.
Citi Premier vs DBS Altitude
DBS Altitude Card is a middle of the road travel card that is quite suitable for people who crave a mix of affordability and rich awards. Both DBS Altitude and Citi PremierMiles cards require an annual fee of S$192.6, and both provide 1.2 miles for S$1 spent locally and 2 miles for S$1 spent overseas. In our mind, the biggest difference between DBS Altitude and Citi PremierMiles is the tradeoff between annual fee and bonus award. While Citi Premier does not waiver its annual fee, DBS Altitude waivers your first year’s fee and subsequently waivers annual fee for those who can spend least S$25,000 a year on the card. To make up for this difference, Citi PremierMiles awards you up to 30,000 miles as a welcome gift and another 10,000 miles when you renew. Ultimately, the difference in annual fees between the two card comes to be about S$400 in a 2-year period, while the dollar value of 40,000 miles from Citi PremierMiles is about S$400.
Citi Premier vs HSBC Revolution Card
HSBC Revolution Card is a great air miles card targeted toward the average consumer that we think would be a great fit for people looking to balance their active social lives and love of shopping with the constraints of a modest budget. It does this by beating the Citi PremierMiles Visa Card on affordability, allowing customers to avoid paying the S$160.5 annual fee by waiving the fee for the first 2 years and requiring a very low annual spend of only S$12,500 to waive the fee in subsequent years. This makes it very easy for people to reap all the benefits of the HSBC Revolution and earn miles at essentially no cost. For the person who loves to eat out at restaurants, shop online, and enjoy all the nightlife Singapore has to offer, the HSBC Revolution Card is a better choice than Citi PremierMiles, as it awards 2 miles for every S$1 spent on dining, entertainment and online shopping.
If you don't tend to spend very much in these three categories, however, or spread your expenditures out among a wide variety of categories, we would recommend Citi PremierMiles over the HSBC Revolution.
Citi Premier vs ANZ Travel card
ANZ Travel Visa Signature Card is great for people who frequent Australia or Singapore, but not for others. As long as most of your air travel is between Singapore and Australia/New Zealand, It’s almost impossible to beat the 2.8 miles spent in Australia or New Zealand, or on Qantas Qirways and Jetstar Airways, combined with 1.4 miles for every S$1 everywhere else. As with most other mile programs, every mile is transferrable 1 for 1 to Asia Miles or Krisflyer Miles, with small fee of S$25.
However, if you don’t travel to Australia or New Zealand frequently (or if you also frequent other countries), there may be better cards out there for you. Citi PremierMiles Card awards you 2 miles for S$1 spent anywhere overseas, not just in Australia or New Zealand. While ANZ Travel card still earns you a great flat rate of 1.4 miles on your local spend, it doesn’t make sense to use ANZ Travel card over other travel cards if you go to Hong Kong or Bali more frequently than Australia. Furthermore, CitiPremier is more generous with its bonus of 30,000 miles compared to ANZ Travel’s 2,000 bonus miles.
Citi Premier vs Amex Krisflyer
American Express Singapore Airlines KrisFlyer Card is a really great card for an average person if you are new to travel cards and if you are a loyal Singapore Air or Silk Air customer. It is one of the few products in the market that provide direct credit into your KrisFlyer account, so you don’t need to worry about paying mile conversion fee that most other cards charge. Furthermore, Amex Krisflyer will also award you 2 miles for all your overseas spend and online travel bookings via Singapore Airlines or Silk Air.
So you if you want an easy and convenient card to use for redeeming miles and you don’t mind being limited to flying only Singapore Airlines or Silk Air, American Express Singapore Airliens KrisFlyer card is a great choice. On the other hand, Amex Krisflyer only awards 1.1 mile for all your local spending. Given this, Citi PremierMiles may be more suitable if you are looking for a more well-rounded and flexible card to use for using air miles.
*ValuePenguin calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. ^OCBC Voyage and Standard Chartered Visa Infinite cards' dollar values are calculated based on S$4,000 of monthly spending, as they are designed for high spenders.