Citi PremierMiles Card Review | What You Need To Know

Citi PremierMiles Card

Earn 1.2 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per calendar year

Citi PremierMiles Card Overview:

If you love to travel and earn miles, the Citi PremierMiles Card might be a great entry card for you. This card lets you earn up to 2 Citi Miles per S$1 on overseas spending, and 1.2 Citi Miles per S$1 on local spending. Miles earned have no expiry, allowing you to take your time to accumulate miles for your next holiday. It gives you access to airport lounges worldwide with 2 free priority passes yearly as well as up to S$1 million in insurance coverage when you charge your travel tickets to Citi PremierMiles.

Local Earn Rate
1.2 miles per dollar
Foreign Currency Earn Rate
2.2 miles per dollar
Foreign Currency Fees
3.25%
Min. Miles Transfer
10,000 Citi Miles (10,000 miles)
Transfer Fee
S$27.25 (including 9% GST)
Points Pooling
No
Lounge Access
2x Priority Pass
Airport Limo
No
Points Expiry
No Expiry

Check out my TikTok video explaining the features of Citi PremierMiles Card where I break down the benefits, rewards, and tips for maximizing your miles!

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); S$42,000 (foreigners)
    • Don’t worry if you income is below this threshold, there is a more secured version of this card where you can do a S$10,000 fixed deposit
  • Annual Fee: S$196.20, waived for the first year

Key Benefits:

  • Earn 1.2 Citi Miles for every dollar spent locally
  • Earn 2.2 Citi Miles for every dollar spent overseas
  • No minimum monthly spending required
  • No maximum spending cap
  • Citi Miles never expire
  • Redeem Citi Miles for flights, hotel bookings, and more
  • Complimentary travel insurance of up to S$1 million when you charge your travel tickets to this card (Policy wording here)
  • Earn exclusive dining and lifestyle privileges
  • Use Citi PayAll to earn Citi Miles, Citi ThankYou Points or Cash Back when you pay your bills, rent, condo maintenance fees, school fees, taxes with your Citi Credit Card (This might not always be worthwhile. If it’s a good deal, I will share in my telegram channel.)

    Best Used Locally:
    • This card is a general spending card, so you can use it anywhere except anything on the exclusion list. The optimal way is to use only for local spending. This might not be a great card to use overseas, in my honest opinion as the cost per mile is around 1.62 cents per mile. You are better off using another card.
    Free Insurance:
    • With insurance coverage of up to S$1,000,000 when you charge your travels on your card, this could be helpful to cover you for some small impromptu trips. Do read the policy wording to ensure that you are well-covered.
    Utilise Two Free Airport Lounge Passes Yearly:
    • Take advantage of the two free airport lounge passes per calendar year at over 1300 Priority Pass lounges worldwide. You can have two separate visits by yourself or use two passes in the same visit with an accompanying guest. Unused passes will not carry forward to the following 12-month period. So it is best to utilise it when you are taking budget flights out of Singapore. One pass is equivalent of USD35 so you get twice of the value just by having this card. Remember to register for it via below:
    Citi PayAll:
    • If you are wanting to use miles for business class flights, Citi PayAll could be a way to buy “Citi miles” when you pay for insurance, education, rent, utilities, mortgage, MCST fees etc., but it is subject to 2.6% service fee. It is not worth it during normal times, but when Citi PayAll has a promotion, it could be a time where we stock up on miles. Promotions are case-by-case basis and I will update it in my telegram channel when there is a good deal.
    • This is only valid during the promotional period, and the earning rate outside of the promo period is way lower than that of the Citi Prestige.
    Below is the monthly spending cap which you can spend on Citi PayAll:
    Category
    Monthly Cap
    Insurance
    S$200,000
    Education
    S$100,000
    Rent
    S$30,000
    Electricity Bills
    S$30,000
    Events Management etc.
    S$30,000
    Agoda x Citibank
    You can earn up to 7.2 Citi Miles for bookings made from now until 31 December 2025 (for stays from now till 30 April 2026)
    • Booking must be made here and must use Citi PremierMiles card to settle the payment; this will entitle you to a bonus 5 Citi Miles per S$1 spent on hotel bookings
    • However, bookings through these links may be more expensive, so do compare prices across different sites. I personally like Trip.com as they have consistent and low pricing across any links or platforms with no markup. I also liked that at Diamond tier (with a certain number of bookings), you get to redeem two free lounge passes with the added benefit of earning more Trip coins. You can sign up for a Trip.com account here to receive S$20 promo off your first hotel booking.
    Kaligo x Citibank
    You can earn 10 Citi Miles for every dollar spent when you book from now until 31 December 2025 
    • Booking must be made here and must use Citi PremierMiles card to settle the payment; this will give you an additional 8.8 Citi Miles for every S$1 spend on local currency, and an additional 7.8 Citi Miles for foreign currency spend.
    • However, bookings through these links may be more expensive, so do compare prices across different sites. I personally like Trip.com as they have consistent and low pricing across any links or platforms with no markup. I also liked that at Diamond tier (with a certain number of bookings), you get to redeem two free lounge passes with the added benefit of earning more Trip coins. You can sign up for a Trip.com account here to receive S$20 promo off your first hotel booking.
    Exclusion List:
    MCC
    Description
    6529
    Quasi Cash – Remote Stored Value Load – Financial Institute
    6530
    Quasi Cash – Remote Stored Value Load – Merchant
    6534
    Quasi Cash – Money Transfer – Member Financial Institution
    6540
    Non-Financial Institutions – Stored Value Card Purchase/Load
    7349
    Cleaning and Maintenance, Janitorial Services
    7511
    Quasi Cash – Truck Stop Transactions
    7523
    Parking Lots, Parking Meters and Garages
    7800
    Government-Owned Lotteries (US Region only)
    7995
    Betting, including Lottery Tickets, Casino Gaming Chips, OffTrack Betting, and Wagers at Race Tracks
    4829
    Wire Transfer Money Orders (WTMOs)
    4900
    Utilities – Electric, Gas, Water, and Sanitary
    5199
    Nondurable Goods(Not Elsewhere Classified)
    5960
    Direct Marketing – Insurance Services
    6012
    Financial Institutions – Merchandise, Services, and Debt Repayment
    6050
    Quasi Cash – Financial institutions, Merchandise, Services
    6051
    Non-Financial Institutions – Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card/Load, Travelers Cheques, and Debt Repayment
    6211
    Securities – Brokers and Dealers
    6300
    Insurance Sales, Underwriting and Premiums
    6513
    Real Estate Agents and Managers – Rentals
    8211
    Elementary and Secondary Schools
    8220
    Colleges, Junior Colleges, Universities, and Professional Schools
    8241
    Correspondence Schools
    8244
    Business and Secretarial Schools
    8249
    Vocational and Trade Schools
    8299
    Schools and Educational Services(Not Elsewhere Classified)
    8398
    Charitable and Social Service Organizations
    8062
    Hospitals
    8651
    Political Organizations
    8661
    Religious Organizations
    9211
    Court Costs Including Alimony and Child Support
    9222
    Fines
    9223
    Bail and Bond Payments
    9311
    Tax Payments
    9399
    Government Services(Not Elsewhere Classified)
    9402
    Postal Services – Government Only
    9405
    U.S. Federal Government Agencies or Departments
    9754
    Quasi Cash – Gambling – Horse Racing, Dog Racing, State Lotteries
    5993
    Cigar Stores and Stands

    i. AXS

    ii. AMAZE* AXS

    iii. BANC DE BINARY

    iv. BUS/MRT^

    v. AMAZE* BUS/MRT

    vi. EZ-link

    vii. AMAZE* EZ-link

    viii. OANDA ASIA PAC

    ix. SAM

    x. Saxo Cap Mkts Pte Ltd

    xi. SIMPLYGO*

    xii. SPL AUTO*

    xiii. SPL ATU*

    xiv. SPL ONLINE*

    xv. SKYFX.COM

    xvi. TL-ABT

    xvii. TRANSIT

    xviii. AMAZE* TRANSIT

    xix. Transit Link

    xx. Youtrip Singapore SG

    Here is the list of their current transfer partners:
    Transfer Partners
    Conversion Ratio
    Krisflyer
    10,000:10,000
    Flying Blue
    10,000:10,000
    British Airways
    10,000:10,000
    Thai Airways Royal Orchid Plus
    10,000:10,000
    Etihad
    10,000:10,000
    Asia Miles
    10,000:10,000
    EVA Air
    10,000:10,000
    Qantas
    10,000:10,000
    Qatar Airways
    10,000:10,000
    Turkish Airlines
    10,000:10,000
    IHG Rewards
    10,000:10,000
    Advantages
    • Two Free Priority Lounge Pass (worth US$70 in total) each year
    • Citi Cards have one of the widest variety of transfer partners – This allows you to take advantage of other frequent flyer programs that offer better deals than Krisflyer.
    • No expiry on your miles so you can take your time to earn miles
    • Free basic travel insurance
    •  
     
    Disadvantages
    • Citi PremierMiles Card don’t pool with other Citibank cards— Pooling means that if you have points on your Citi PremierMiles Card and you have points on other Citi Credit Card, you can consolidate them for you to redeem all the points. In this case, since it does not allow pooling, you’ll need to make two separate redemptions therefore paying two separate transfer fee as well.
    • Slow miles earn rate as compared to a card like Citi Rewards.
    •  
    • When is the miles credited: This usually credits when the transaction posted, usually takes 24 hrs, or in some, it could take 2-3 days.
    • How is miles calculated: For every S$1, you can get 1.2 miles per dollar on local spend, and 2 miles per dollar on overseas spend
      • Let’s say you spent S$49 locally (S$49 x 1.2mpd = 58.8 miles earned). This is great since the minimum spend required is only S$1, comparing it to OCBC’s 90N card which has a minimum increment of S$5 (S$45 x 1.3 mpd = 58.5 miles earned), this is a greater option for miles conversion.
    • How to redeem:
      • You can redeem your rewards via your Citi Mobile app.
        • Click on your Points
        • Click on “Redemption Catalogue” or “Miles Transfer”

    Comparison table with other non-expiring cards with similar earn rates:

    Cards
    Citi PremierMiles
    DBS Altitude
    Local Earn Rate
    1.2 miles per dollar
    1.3 miles per dollar
    Foreign Earn Rate
    2 miles per dollar
    2.2 miles per dollar
    Lounge Access
    2x Priority Pass
    Yes (on VISA)
    Transfer Partners
    SIA, British Airways, Cathay Pacific, Etihad, EVA Air, Flying Blue, Qantas, Qatar Airways, THAI, Turkish Airlines, IHG
    SIA, Air Asia, Cathay Pacific, Qantas
    Transfer Fee
    S$27.25 (including 9% GST)
    S$27.25 (including 9% GST)
    Min. Transfer Block
    10,000 Citi Miles(10,000 miles)
    5,000 DBS Points(10,000 miles)
    Final Thoughts:
    • A particularly good choice in a miles chaser’s arsenal of cards
    • What I like is, the Citi PremierMiles Card gives you access to two free airport lounges passes per year. You could even use one to bring an accompanying guest in with you. If you apply for the card in Nov, you could technically use the lounge passes in Dec, and in Jan, you receive two new lounge passes for the new year! Yay to free bougie experiences!
    • This card’s points never expire, which is a truly wonderful feature that lets you accumulate points at your own time and utilize them to book a big vacation. This is especially beneficial if you’re not a frequent traveller, or a high spender.
    • Overall, this is a great miles credit card for someone starting on their miles journey!

    💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

    💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

    Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

    lobangsis

    Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

    You may have missed…

    OCBC infinity
    maybannk xl cardface with sky background

    Leave a Reply

    This site uses Akismet to reduce spam. Learn how your comment data is processed.

    Citi Rewards

    Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or S$430 Grab Voucher or Xiaomi Robot Vacuum X20 Pro or S$360 Cash via PayNow when you spend S$500 within 30 days of card approval

    Valid till: August 31, 2025

    HSBC Live+

    Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson OnTrac headphones or S$480 Grab Vouchers or S$450 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

    Valid till: August 31, 2025

    Maybank Family & Friends

    Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

    Valid till: May 1, 2026

    UOB PRVI

    Get S$60 Cash via PayNow or S$70 Grab Vouchers when you spend S$500 within 30 days from approval

    Valid till: August 31, 2025

    Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

    Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

    Citi Rewards

    Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or S$430 Grab Voucher or Xiaomi Robot Vacuum X20 Pro or S$360 Cash via PayNow when you spend S$500 within 30 days of card approval

    Valid till: August 31, 2025

    HSBC Live+

    Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson OnTrac headphones or S$480 Grab Vouchers or S$450 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

    Valid till: August 31, 2025

    Maybank Family & Friends

    Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

    Valid till: May 1, 2026

    UOB PRVI

    Get S$60 Cash via PayNow or S$70 Grab Vouchers when you spend S$500 within 30 days from approval

    Valid till: August 31, 2025

    Citi PremierMiles Card

    Option 1: Direct Bank Promotion

        • Receive 8,000 bonus Citi Miles (with no annual fee paid) or 30,000 bonus Citi Miles (with annual fee paid) when you spend S$800 in the first 2 months of card approval.
        • Valid til 28 February 2026
        • Read Terms and Conditions here

         

        Option 2: Singsaver Promotion

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$438) or Dyson Airwrap Origin (worth S$549) or Xiaomi Robot Vacuum X20 Pro (worth S$579) or S$430 Grab Voucher or S$360 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
        • Valid from 27 August to 31 August 2025
        • Promotion is valid for new to bank credit card holders
        • Read Terms and Conditions here
        • Must fulfill spending requirement to receive gift confirmation
        • Remember to check for SingSaver email and complete the registration to secure your reward!
        •  

        Citi PremierMiles Card

        • Earn uncapped 1.2 miles for every dollar spent in Singapore dollars and 2 miles for every dollar spent overseas. Even though the earn rate is quite low, the miles never expire. This may be useful for those starting out on their miles accumulation journey with low spending.

        • Citibank credit cards have one of the widest variety of transfer partners, which makes the miles very flexible for miles redemption.

        • The principal card entitles you to 2 free Priority Pass airport lounge visits per calendar year!

         

        Annual Fee
        • S$196.20, waived for the first year

         

        Income Requirement
        • S$30,000 (locals/PRs); S$42,000 (foreigners)

         

        Points Expiry
        • The Citi Miles never expire

         

        Transfer Partners
        • Singapore Airlines, Flying Blue, British Airways, Thair Airways, Etihad, Asia Miles, EVA Air, Qantas, Qatar Airways, Turkish Airlines, IHG

         

        Know what this card is best for:

         

        Terms and Conditions

        Read Full Review

        maybank xl cardface

        Maybank XL Rewards/Cashback Card

        To maximize perks, consider doing this strategy of applying to other Maybank cards first. Apply for the Maybank Family & Friends Card (if you’re eyeing the XL Cashback) or the Maybank World Mastercard (for XL Rewards). These unlock stronger sign-up bonuses and complementary benefits later on.

        • Receive a Samsonite ENOW Spinner (worth S$570) when you spend S$1,300 (or S$1,200 with CreditAble application) within two months on your first card—then apply for your chosen XL card to get 12 months of complimentary travel insurance.
        • Read Terms and Conditions here
        • Fill up this google form after signing up to qualify for rewards

         

        Apply for a Different Card First: If you’re eyeing the XL card, consider starting with another Maybank card to make the most of your sign-up bonus. Going for the Maybank World Mastercard or the Family & Friends Card first can unlock more valuable perks—like non-expiring miles through Rewards Infinite Membership or higher everyday cashback. It’s a smart way to maximise your rewards right from the start.

          Maybank Family & Friends Card

          Earn 8% cashback for five of your chosen categories.


          Maybank World Mastercard

          Earn 4 miles per dollar on selected petrol stations islandwide and up to 3.2 miles per dollar on foreign currency spend 

          maybank xl cardface

          Maybank XL Rewards/Cashback Card

            • Maybank XL Rewards:

              • Earn 4 miles per dollar on bonus categories such as

                • Local currency spend: dining, travel, shopping, play

                • All foreign currency spending

              • Earn 0.4 miles per dollar on other spends

              • Minimum spend of S$500 and a spending cap of S$1,000 per calendar month

            • Maybank XL Cashback:

              • Earn 5% cashback on bonus categories such as

                • Local currency spend: dining, travel, shopping, play

                • All foreign currency spending

              • Earn 0.2% cashback on other spends

              • Minimum spend of S$500, spending capped at S$1,600; cashback capped at S$80 per calendar month. Yes, the spending cap is higher than the miles version.

              • Only for Maybank XL Cashback card— Cardmembers who hold a Maybank DUO Platinum Mastercard before 1 August 2025 will receive 5% cashback on petrol transactions in Singapore and Malaysia, with no minimum spend required, as long as their card account is in good standing.

                • Eligible petrol transactions include those made at petrol stations classified under MCC 5541 and 5542, as well as fuel purchases charged to a Diamond Sky Fuel Card (linked to the Mastercard) under MCC 8699.

            Annual Fee
            • S$87.20 (waived for the first 2 years), can be waived when you perform an annual spend of S$6,000

             

            Age Requirement: 
            • 21 to 39 years old
             
            Income Requirement
            • S$30,000 (Singaporeans/PRs), S$45,000 (Malaysian), S$60,000 (Foreigners)

             

            Terms and Conditions:

             

            Read Full Review

            Maybank Family & Friends Card

            • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
            • Fill up this google form after signing up to qualify for rewards
            • Read Terms and Conditions here

            Maybank Family & Friends Card

            • Earn 8% cashback for five (5) of your chosen spend categories across ten (10) options.
              • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
            • Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
            • Minimum spend of S$800
            • Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
            • Earn unlimited 0.3% cash rebates on all spends below S$800

             

            Annual Fee
            • S$180 (First 3 years free)

             

            Income Requirement
            • S$30,000 (locals/PRs); S$60,000 (foreigners)

             

            How to choose my Categories
            • To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

             

            Know what this card is best for

             

            Terms and Conditions

            Read Full Review

            Maybank World Mastercard

            • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
            • Fill up this google form after signing up to qualify for rewards
            • Read Terms and Conditions here

            Maybank World Mastercard

            • Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
            • Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
              • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
              • Earn 2.8 miles per dollar when you spend a minimum of S$800
              • Earn 0.4 miles per dollar when you spend below S$800
            • Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

            This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

             

            Annual Fee
            • S$240, waived for the first year

             

            Income Requirement
            • S$80,000 (locals/PRs)

             

            Know what this card is best for

             

            Terms and Conditions

            Read Full Review