One of the nice things about the Citi PremierMiles Visa is that itโs not shy about offering bonuses to existing customers. And by โexistingโ I donโt mean existing Citibank cardholders; I mean existing Citi PremierMiles Visa cardholders.
Citi has just launched another โSpend & Getโ promotion, which is basically an option to buy additional miles upon hitting a S$7.5/14K threshold. Assuming youโre going to spend that money anyway, itโs a fantastic price to buy miles- starting at just 0.97 cents each.
Whoโs eligible?
To be eligible, you need to be a current Citi PremierMiles Visa principal cardholder who has held the card for more than 6 months prior to 21 January 2020. In other words, if you havenโt got a card yet, or you got it less than 6 months ago, youโre not eligible to take part.
To participate, youโll need to register by sending the following SMS to 72484:
PMVSPEND<SPACE>Last 4 digits of your Citi PremierMiles Visa Card (main card) number
(e.g PMVSPEND 1234)
The full T&C can be found here.
There are two flavors of this promotion.
Tier A: Spend S$7.5K and pay S$215 for 30,000 miles total
With Tier A, you need to register and spend at least S$7,500 by 31 March 2020. Within 2 months from 31 March 2020, youโll be charged a S$215 admin fee and receive 21,000 bonus miles.
| Do note that Citiโs wording makes it seem like youโre paying S$215 for 30,000 miles- youโre not. That 30,000 miles is split into 9,000 base miles (S$7,500 @ 1.2 mpd) that youโre entitled to anyway, and the 21,000 bonus miles you get from paying the admin fee |
The equivalent cost per mile is 1.02 cents.
| Admin Fee | Miles | CPM |
| S$215 | 21,000 | 1.02 |
Tier B: Spend S$14K and pay S$515 for 70,000 miles total
With Tier B, you need to register and spend at least S$14,000 by 31 March 2020. Within 2 months from 31 March 2020, youโll be charged a S$515 admin fee and receive 53,200 bonus miles.
| Admin Fee | Miles | CPM |
| S$515 | 53,200 | 0.97 |
The equivalent cost per mile is 0.97 cents.
Do note that if you register and hit the S$14,000 Tier B threshold, you cannot opt to pay the S$215 admin fee for Tier A instead.
What spending is eligible?
As per the T&C:
| โQualifying Spendโ refers to any retail transactions (including internet purchases) which do not arise from (i) any Equal Payment Plan (EPP) purchases, (ii) refunded/ disputed/ unauthorised/ fraudulent retail purchases, (iii) Quick Cash/Ready Credit PayLite and other instalment loans, (iv) Paywise/ cash advance/ quasi-cash transactions/ balance transfers/ annual card membership fees/interest/goods and services taxes, (v) bill payments made using the Eligible Card as a source of funds, (vi) late payment fees and (vii) any other form of service/ miscellaneous fees. |
Based on previous Citi promotions, Citi PayAll transactions will count towards the spending threshold (some people may point to (v), but Iโve asked about this previously and it doesnโt refer to PayAll- ask Citi yourself if youโre still paranoid). Likewise, insurance, education, government services, charitable donations and top ups of prepaid accounts will count towards the spending threshold, but wonโt earn any base points.
Where have I seen this before?
If the mechanics of this promotion sound familiar, thatโs because Citiโs run similar campaigns before:
- From July-Aug 2017, cardholders who spent S$9,000 and paid an admin fee of S$238 got 31,200 bonus miles
- From Feb-Mar 2019, cardholders who spent S$8,888 and paid an admin fee of S$288 got 28,223 bonus miles
Hereโs how those campaigns measure up to this one.
| 2017 Promo | 2019 Promo | 2020 Promo | |
| Spend | S$9,000 | S$8,888 | S$7,500/14,000 |
| Admin Fee | S$238 | S$288 | S$215/515 |
| Bonus Miles | 31,200 | 28,223 | 21,000/53,200 |
| CPM | 0.76 | 1.02 | 1.02/0.97 |
Citi Miles are one of the most useful transfer currencies in Singapore
Citi Miles can be transferred to 11 different frequent flyer programs and 1 hotel partner at a 1:1 ratio.
| Transfer Ratio | |
 Singapore Airlines KrisFlyer |
1:1 |
 Asia Miles |
1:1 |
 British Airways Executive Club |
1:1 |
 Etihad Guest |
1:1 |
 EVA Air Infinity Mileagelands |
1:1 |
 Flying Blue |
1:1 |
 IHG Rewards Club |
1:1 |
 Malaysia Airlines Enrich |
1:1 |
 Qantas Frequent Flyer |
1:1 |
 Qatar Airways Privilege Club |
1:1 |
 Thai Airways Royal Orchid Plus |
1:1 |
 Turkish Airlines Miles&Smiles |
1:1 |
Why would you be interested in earning anything other than KrisFlyer miles? Well, other frequent flyer programs have great sweet spots for certain destinations, which means you could earn your free flight with even less spending than if you had chosen KrisFlyer.
Some examples of sweet spots accessible through the Citi PremierMiles Visa are shown below:
| Turkish Airlines Miles&Smiles |
||
| One Way Business Class | With Miles&Smiles | With KrisFlyer |
| Singapore to Europe | 45,000 miles | 92,000 miles |
| Singapore to North America | 67,500 miles | 92,000-99,000 miles |
| Singapore to South America | 75,000 miles | 119,000 miles |
| Do note that Miles&Smiles imposes fuel surcharges on award redemptions, while KrisFlyer only imposes them on non-Singapore Airlines redemptions | ||
| Etihad Guest |
||
| With Etihad Guest | With KrisFlyer | |
| Singapore to Koh Samui | 10,000 miles (Business) | 21,500 miles (Business) |
| Singapore to Seoul | 30,000 miles (Business) | 47,000 miles (Business) |
| Singapore to Colombo | 28,000 miles (Business) | 39,000 miles (Business) |
| Intra-Brazil | 3,000-17,000 miles (Economy) | 12,500 miles (Economy) |
| Intra-Europe | 5,000-10,670 miles (Economy) | 12,500 miles (Economy) |
| British Airways Executive Club |
||
| One Way Economy | With BA Executive Club | With KrisFlyer |
| Intra-Europe | 4,000-13,000 miles | 12,500 miles |
| Intra-Japan | 6,000-9,000 miles | 12,500 miles |
| Intra-Australia/Trans Tasman | 6,000-13,000 miles | 11,000-20,000 miles |
| Singapore to Hong Kong | 11,000 miles | 15,000 miles |
| Singapore to Perth | 13,000 miles | 20,000 miles |
Citi Miles do not expire, and can also be used to offset the cost of revenue flights and hotels via Citiโs travel portal (although for the best value, youโll obviously want to convert them to miles).
Conclusion
0.97 cents is one of the lowest prices to buy miles in Singapore, so if youโre planning to spend anyway, Iโd definitely shell out the admin fee for the miles.
If youโre reading this article after 21 January and have already hit the qualifying spending without registering, no worries- so long as you register before 31 March, youโll still be eligible for the promotion.
(HT: yk)
Welcome back from the drawer, old friend Premiermiles. Iโve missed you.
But you didnโt analyse the opportunity loss of using a competitor card (eg. BOC Elite Miles or UOB PRVI Miles) that earns a higher 1.5 / 1.4 base miles per SGD spentโฆ hence the calculated CPM would be slightly different.
Sure- if you have Boc elite miles itโs a 4200 mile opp cost, adjusted cpm is 1.05 cents. Still a great price.
Any idea funds used to top up Grab Pay will be counted towards the qualifying spend?
Curious about this too
No. Source: confirmed with citi customer care
Iโve got a big ticket AXA insurance payment which would qualify for the higher tier B, but they donโt accept credit card. The CSO mentioned that AXS credit payment is possible, so it seems that the 2 payment options would be Cardup vs AXS. Which option would be better โ Iโm confused as to how we would calculate this: Assuming AXS gets no base points, then subtracting the opportunity cost of the base points: $515 / (53,200 โ 16,800) = 1.41 CPM VS Cardup, incurring an additional cost of 2.25%: ($515 + $315) / 70,000 = 1.18 CPM Does thatโฆ Read more ยป
If AXA doesnโt accept credit card to start, then the opportunity cost is moot. Your calculation for AXS should be solely $515 / 53200 = 0.97 CPM
no
โnoโ was very helpfulโฆ.not
Hi,
Just wondering if I use PM cards to top up the youtrip card for an overseas trip. Will it count under the qualifying spend ?
try & let us know ๐
zero points, but as mentioned it counts towards qualifying spend.
Will the spends of your supplementary card be eligible to be added to spends of main card holder? Thanks.
yup
Iโm new to this Does spending by a sup-card holder qualify?
yes, even though itโs not said explicitly in t and c.
I signed up for this card in early Oct 2020. I did not receive the sms but sent a message myself to the listed number with the card details, and I did get a successful registration sms.
Not sure how strictly will they adhere to their T&C of needing to have signed up for the card 6 mths before 21 Jan 2020.
I received confirmation on successful sign up even though the card is less than 6 months. Any clues if Citibank will allow? Or should we write in to ask?
Does Etihad fly to Koh Samui? I tried online but cant find the route.
Bangkok air
any bill payment thru AXS will count towards the 14k right? Except for the 1.2miles
I vaguely recall this article previously mentioned ipaymy transactions. Has this been removed? Whatโs the latest as Iโm looking to pay rent using ipaymy since the fee is lower than payall
Hi Aaron! Any idea if Cordlife payment is qualifying spend? Thanks!
I called Citibank earlier, the โqualifying spendingโ of $7,500/$14,000 is limited to merchants/transactions who provide miles.
Me: โDo I meet the qualifying spending if I pay $14,000 to my insurance? I know I donโt get the base miles but do I still get 53,200 bonus miles if I pay the program fee?โ
Citibank: โno, thatโs not qualifying spending. You need to spend $14,000 on qualified merchantsโ
hmm, thatโs the opposite of what the citi CSO told me. she said it would count, but 0 points.
Will it work on ipaymy?
Hi Aaron, will cardup expenditure qualify too?
Hi sorry Iโm looking to pay my AIA insurance premium to hit the spending threshold. Was wondering if it is feasible to do so through:
a) using AXS e-station to pay, just no accumulate base points; or
b) using Cardup or ipaymy โ but will it accumulate base points.
Appreciate some advice on this please! Thanks
Anyone received this bonus yet? Or would it be closer to 31 may?
I just receive a reply from CITI, stated as under:
We acknowledge receipt of your message and we wish to clarify that
education and rental fees will no longer be considered for card rewards.
Meaning, you will not be awarded rewards/miles for these transactions.
For details on merchant/MCC excluded from earning rewards/miles โ please
read http://www.citibank.com.sg/rwdexcl
Not yet, program fee hasnโt been charged also