Hereโs The MileLionโs review of the Citi PremierMiles Card, 18 years old this year and still going strong.
When this card launched back in July 2007, it was initially positioned as a premium product for those with a minimum income of S$80,000 (cardholders were even invited to join Citigold for a year, with a reduced AUM requirement!). Over time, however, it was repositioned towards the mass market, and today can be held by anyone who meets the MAS-mandated minimum of S$30,000 per annum.
But unless youโre a snob, more accessible doesnโt mean less desirable. With its welcome offer, transfer partner variety, lounge access and periodic Citi PayAll offers (though less lucrative than before), the Citi PremierMiles Card still serves as a solid general spending card.
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Citi PremierMiles Card |
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๐ฆ MileLion Verdict | |
โ Take It โ Take It Or Leave It โ Leave It |
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What do these ratings mean? | |
Its earn rates are modest, and Citi PayAll has lost some shine, but transfer partner variety, lounge access and travel insurance make the Citi PremierMiles a decent general spending card. | |
๐ The good | ๐ The bad |
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Full List of Credit Card Reviews |
Overview: Citi PremierMiles Card
Letโs start this review by looking at the key features of the Citi PremierMiles Card.
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Apply Here | |||
Income Req. | S$30,000 p.a. | Points Validity | No Expiry |
Annual Fee | S$196.20 (First Year Free) |
Min. Transfer |
10,000 Citi Miles (10,000 miles) |
Miles with Annual Fee |
10,000 | Transfer Partners |
11 |
FCY Fee | 3.25% | Transfer Fee | S$27.25 |
Local Earn | 1.2 mpd | Points Pool? | No |
FCY Earn | 2.2 mpd | Lounge Access? | Yes: 2x Priority Pass |
Special Earn | 7.2 mpd on Agoda 10 mpd on Kaligo |
Airport Limo? | No |
Cardholder Terms and Conditions |
The Citi PremierMiles Card was originally issued on the AMEX, Mastercard and Visa networks. However, the AMEX version was discontinued in 2019, and since April 2020 all new cards have been issued on the Mastercard network only.
Existing Citi PremierMiles Visa Cards remain valid, and will continue to be replaced/renewed unless you expressly consent to switch to the Mastercard version.
โ What happens to my Citi Miles if I switch? |
If you switch from the Visa to the Mastercard, any Citi Miles accrued on the Visa will be automatically transferred to the new Mastercard account. |
In any case, thereโs very little difference between the Mastercard and Visa. Weโll be referring to the Mastercard version in this review, but everything said here applies to the Visa as well unless explicitly stated.
How much must I earn to qualify for a Citi PremierMiles Card?
The Citi PremierMiles Card has a minimum income requirement of S$30,000, the MAS-mandated minimum.
If you donโt meet the income requirement, it may be possible to place a S$10,000 fixed deposit with Citibank and get a secured version of the card, with a credit limit of roughly 80-90% of the fixed deposit amount. Visit a Citibank branch if youโd like to explore this option.
How much is the Citi PremierMiles Cardโs annual fee?
Principal Card | Supp. Card | |
First Year | S$196.20* |
Free |
Subsequent | S$196.20 | Free |
*Can be waived for new-to-bank customers, with a smaller welcome bonus. Waived for existing customers (and no welcome bonus) |
The Citi PremierMiles Card has an annual fee of S$196.20 for the principal cardholder, and no fee for supplementary cards.
Cardholders can request a waiver of the first yearโs annual fee, although this means they will only be eligible for a smaller sign-up bonus (see next section). Assuming you meet the definition of a new-to-bank customer, Iโd strongly recommend paying the first yearโs annual fee to enjoy the bigger sign-up bonus.
Annual fee waivers are at the discretion of Citi, and in my personal experience are fairly easy to obtain.
Should a waiver not be granted, paying the annual fee gets you 10,000 miles in return, which means buying miles at ~1.96 cents each. Thatโs certainly not the lowest price you can buy miles for, though it could still be worth it for some depending on how much you value a mile.
Sign-up bonus
New-to-bank
New-to-bank customers have a choice of two welcome offers when they apply for a Citi PremierMiles Card:
- 8,000 bonus miles with a first year fee waiver
- 30,000 bonus miles with the payment of the first yearโs S$196.20 annual fee
โ New-to-bank Definition |
New-to-bank customers are defined as those who do not currently hold a principal Citi card, and have not in the 12 month period before application. Debit cards, supplementary cards and corporate cards do not count. |
Both offers require a minimum spend of S$800 within the first 2 months after approval, otherwise known as the qualifying period. The qualifying period runs from the approval date and two full calendar months following that. For example, those approved on 15 July 2025 will have until 30 September 2025 to meet the minimum spend.
In other words, you actually have 2-3 months to hit the minimum spend, and should apply as early in the month as possible to maximise your time.
Existing
If you already hold any principal Citi credit card, or cancelled one in the past 12 months, there is no sign-up bonus available to you. You will automatically be granted a first year fee waiver.
How many miles do I earn?
๐ธ๐ฌ SGD Spending | ๐ FCY Spending | โญ Bonus Spending |
1.2 mpd | 2.2 mpd | 7.2 mpd on Agoda 10 mpd on Kaligo |
SGD/FCY Spending
Citi PremierMiles Card members earn:
- 1.2 Citi Miles for every S$1 spent in Singapore Dollars (SGD)
- 2.2 Citi Miles for every S$1 spent in foreign currency (FCY)
1 Citi Mile is worth 1 airline mile, so equivalent to 1.2 mpd for local spending, and 2.2 mpd for FCY spending.
These were once respectable rates for its segment, but in recent times, the HSBC TravelOne Card, DBS Altitude Card and OCBC 90ยฐN Card have leapfrogged the PremierMiles.
๐ณ Earn Rates for General Spending Cards (income req.: S$30K) |
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Cards | Local Spend | FCY Spend |
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1.4 mpd | 3 mpd IDR, MR, THB, VND 2.4 mpd All Others |
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1.2 mpd | 2.4 mpd |
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1.3 mpd | 2.2 mpd |
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1.3 mpd | 2.1 mpd |
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1.2 mpd | 2.2 mpd |
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1.2 mpd | 2 mpd |
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1 mpd | 2 mpd |
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1.2 mpd | 1.2 mpd |
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1.2 mpd | 1.2 mpd |
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1.1 mpd | 1.1 mpd |
All FCY transactions are subject to a 3.25% fee, which is par the course for the market.
๐ณ FCY Fees by Issuer and Card Network |
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Issuer | โ MC & Visa | AMEX |
Standard Chartered | 3.5% | N/A |
American Express | N/A | 3.25% |
Citibank | 3.25% | N/A |
DBS | 3.25% | 3% |
HSBC | 3.25% | N/A |
Maybank | 3.25% | N/A |
OCBC | 3.25% | N/A |
UOB | 3.25% | 3.25% |
BOC | 3% | N/A |
CIMB | 3% | N/A |
With a 3.25% fee, using your Citi PremierMiles Card overseas represents buying miles at 1.48 cents each.
Bonus miles on Kaligo & Agoda
Citi PremierMiles Cardholders can earn bonus miles for hotel bookings made through Kaligo or the Citi x Agoda websites. However, do note that the prices here may be inflated compared to other channels (how this works is that Kaligo/Agoda are simply rebating some of the commission they receive from the booking in the form of miles).
It might still be worth it, depending on the price difference and how much you value a mile. Think of it like buying additional miles when booking a hotel.
While both of these offers technically have end dates, they have been perpetually renewed for the past few years and can be considered evergreen until further notice.
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Citi x Kaligo |
T&Cs |
Citi PremierMiles Cardholders can earn an uncapped 10 mpd on hotel bookings made through Kaligo by 31 December 2025 (the stay can be for any future date).
They will initially receive the usual 1.2/2.2 mpd for SGD/FCY-denominated bookings, with the balance 8.8/7.8 mpd credited within two months after the check-out date.
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Citi x Agoda |
T&Cs |
Citi PremierMiles Cardholders can also earn an uncapped 6.2 mpd (SGD) or 7.2 mpd (FCY) on hotel bookings made through the special Citi x Agoda landing page by 31 December 2025 (for stays till 30 April 2026).
They will initially receive the usual 1.2/2.2 mpd for SGD/FCY-denominated bookings, with the balance 5 mpd credited within two months after the check-out date.
When are Citi Miles credited?
Citi Miles are credited when your transaction posts, which generally takes 1-3 working days.
How are Citi Miles calculated?
Hereโs how you can work out the Citi Miles earned on your Citi PremierMiles Card.
Local Spend | Round down transaction to nearest S$1, then multiply by 1.2 Round to the nearest whole number |
FCY Spend |
Round down transaction to nearest S$1, then multiply by 2.2 Round to the nearest whole number |
This means the minimum spend required to earn miles is S$1. Because of this rounding policy, the Citi PremierMiles Card can potentially outperform a โhigher-earningโ card like the UOB PRVI Miles Card, depending on transaction size.
![]() Earn rate: 1.2 mpd |
![]() Earn rate: 1.4 mpd |
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S$5 | 6 miles | 6 miles |
S$9.99 | 11 miles | 6 miles |
S$15 | 18 miles | 20 miles |
S$19.99 | 23 miles | 20 miles |
S$25 | 30 miles | 34 miles |
S$29.99 | 35 miles | 34 miles |
S$35 | 42 miles | 48 miles |
S$39.99 | 47 miles | 48 miles |
If youโre an Excel geek, hereโs the formulas you need to calculate:
Local Spend | =ROUND (ROUNDDOWN (X,0) *1.2,0) |
FCY Spend |
=ROUND (ROUNDDOWN (X,0) *2.2,0) |
Where X= Amount Spent |
For the full list of formulas that banks use to calculate credit card points, refer to these articles:
What transactions arenโt eligible for Citi Miles?
The full list of ineligible transactions for Citi Miles can be found in the general Citi rewards T&Cs.
Iโve highlighted a few noteworthy categories below:
- Quasi cash transactions (MCC 6529-6540)
- Utilities payments (MCC 4900)
- Insurance (MCC 6300)
- Real Estate Agents and Managers (MCC 6513)
- Top-ups to prepaid accounts like GrabPay and YouTrip (MCC 6540)
- Hospitals (MCC 8062)
- Educational Institutions (MCC 8211-8299)
- Professional Services and Membership Organizations (MCC 8651-8661)
- Government Services (MCC 9000-9999)
For the avoidance of doubt, Citi PremierMiles Cardholders will earn rewards for CardUp transactions, though they may prefer to use Citi PayAll instead especially during promo periods
Citi PremierMiles Cardholders will also earn miles when they pair their card with Amaze, but since Amaze converts all transactions to SGD, miles will be awarded at the local rate of 1.2 mpd.
What do I need to know about Citi Miles?
โ Expiry | โ๏ธ Pooling | ๐ฐ Transfer Fee |
No expiry | No | S$27.25 per conversion |
โฌ๏ธ Min. Transfer | โ๏ธ No. of Partners | โฑ๏ธ Transfer Time |
10,000 Citi Miles (10,000 miles) |
11 | 24-48 hours (for KrisFlyer) |
Expiry
Citi Miles never expire, so long as your card account is kept open. This isnโt a license to hold on to them indefinitely (since all airline frequent flyer programmes will, over time, devalue), but does give you some breathing room.
Pooling
Citibank has a policy of not pooling points across cards.
If you have 12,000 Citi Miles on the Citi PremierMiles Card and 25,000 ThankYou points on the Citi Rewards Card, you will have to pay two separate conversion fees. This also means that youโll need to transfer all your points out before cancelling the card, or else forfeit them.
Partners and Transfer Fee
Citibank offers a wide variety of transfer partners, with 11 airline and hotel loyalty programmes to choose from. This includes some programmes with good value sweet spots like British Airways Executive Club, Qatar Privilege Club and Turkish Miles&Smiles.
Points transfer at a 1:1 ratio, with a minimum transfer block of 10,000 miles.
Frequent Flyer Programme | Conversion Ratio (Citi Miles: Partner) |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
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10,000: 10,000 |
Transfers cost S$27.25 per programme, regardless of how many points are transferred.
Citi also allows cardholders to pay with Citi Miles, but the regular rate on offer (165 miles = S$1) is quite frankly dreadful. Itโs currently upsized to 100 miles = S$1 for airline, hotel and travel agency expenses till 15 July 2025, but even that shouldnโt be on your radar.
Citi PremierMiles Card offering โenhancedโ Pay with Miles value
Transfer Times
Citibank tells customers that points transfers will take 14 business days, but in reality itโs usually 24-48 hours for KrisFlyer, or 2-4 working days for other programmes.
If you need your points credited instantly, you can do so via Kris+ at a rate of 4,000 Citi Miles = 3,400 KrisPay miles. KrisPay miles can then be instantly converted to KrisFlyer miles at a 1:1 ratio with no fees.
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S$5 for new Kris+ Users |
Get S$5 (in the form of 750 KrisPay miles) when you sign-up with the code W644363 and make your first transaction |
However, those 4,000 Citi Miles would normally be worth 4,000 KrisFlyer miles, so you effectively take a 15% haircut. Therefore, I wouldnโt recommend taking this option, unless you need a small top-up to redeem a flight, or have an orphan Citi Miles balance.
If you choose to do so nonetheless, do remember that itโs a two-step process:
- Transfer Citi Miles to KrisPay miles
- Transfer KrisPay miles to KrisFlyer miles
Do not forget the second step! If you wait more than 21 days, or spend any of the converted KrisPay miles via Kris+, the entire balance will be stuck in the Kris+ app. KrisPay miles expire after six months, and can only be spent at a relatively poor ratio of 100 miles = S$1.
Other card perks
Two free lounge visits
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Registration |
Principal Citi PremierMiles Cardholders enjoy two free Priority Pass lounge visits per calendar year. This is notably different from most other travel cards, which award free lounge visits by membership year.
In other words, if you get a Citi PremierMiles Card towards the end of the year, you could enjoy four lounge visits in relatively quick succession (e.g. in December then January, since your allowance resets on 1 January).
Lounge entitlements can be shared with a guest, but once you exhaust your free visits youโll be charged US$35 per additional visit.
Hereโs how this compares to other cards in its segment.
Card | Network | Free Lounge Visits (per year) |
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DragonPass | 4X* Share |
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Priority Pass | 4X* |
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Priority Pass | 2X* Share |
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Priority Pass | 2X Share |
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Priority Pass | 2X Share |
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N/A | N/A |
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N/A | N/A |
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N/A | N/A |
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N/A | N/A |
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N/A | N/A |
*Allowance tracked based on calendar year |
Citi PayAll
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Citi PayAll |
Citi PayAll is a platform that allows Citibank cardholders to pay various types of bills and earn rewards points in the process. Citi PayAll transactions will count towards the minimum spend for welcome offers and other promotions, provided the service fee is paid.
24 categories of payment are currently supported:
๐ฐ Citi PayAll: Supported Payments | |
Category | Monthly Cap |
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S$200,000 |
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S$100,000 |
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S$30,000 (each category) |
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Outstanding balance with IRAS |
โ ๏ธ Earn miles for free! |
While most of the abovementioned categories are excluded from rewards by most card issuers, there are still a handful of exceptions out there. Before resorting to Citi PayAll, be sure to check whether any of your existing cards would let you earn miles for free! |
Citi PremierMiles Cardholders will earn 1.2 mpd on all Citi PayAll payments, with a service fee of 2.6%, which means that under regular circumstances, you would be paying 2.17 cents per mile. Thatโs very expensive, and not worth considering.
While Citi has historically run promotions that have upsized the earn rate to as much as 2.5 mpd (lowering the cost per mile to just 0.8 cents!), the generosity has been dialed back significantly in recent times. Citiโs recent promotion for the 2025 income tax season offered up to 1.8 mpd for tax payments, resulting in a cost per mile of 1.44 cents. This is not bad in and of itself, but nowhere as good as before.
Iโve written a comprehensive guide to Citi PayAll, so be sure to check out the article below.
Complimentary travel insurance
Benefit | Cardholder |
Accidental Death & Permanent Disablement | S$1M |
Overseas Medical Expenses | S$40K |
Emergency Medical Evacuation | S$100K |
Repatriation of Mortal Remains | S$50K |
Baggage Loss | S$1K |
Baggage Delay | S$600 |
Flight Delay | S$500 |
Trip Cancellation | S$500 |
Trip Interruption | S$500 |
Overseas Medical Expenses (COVID-19) |
S$50K |
Overseas Hospital Allowance (COVID-19) |
S$1K |
Coverage may also apply to spouse and children. Refer to policy for full details | |
Policy |
Complimentary travel insurance is offered by numerous cards, but not all policies are made equal. Some offer bare bones coverage, others are much more comprehensive.
Fortunately, the Citi PremierMiles Card falls into the latter category. Its HL Assurance-underwritten policy offers up to S$1,000,000 for accidental death and permanent disablement, S$40,000 for medical expenses, S$100,000 for emergency medical evacuation, and coverage for travel inconveniences like lost or delayed luggage. COVID-19 medical expenses and hospital allowance are also provided for.
Coverage is activated when you use your Citi PremierMiles Card to pay for your round-trip airfare, or to pay for the taxes and surcharges on an award ticket.
Unfortunately, Citi will be phasing out complimentary travel insurance from 1 April 2026. What this means is that even if you used your Citi credit cards to buy tickets before this date, you wonโt have coverage if your travel takes place from 1 April 2026 onwards.
Here are three possible scenarios.
Trip Start Date | Trip End Date | Can you claim? |
On or before 31 March 2026 | Yes | |
On or before 31 March 2026 | 1 April 2026 onwards | Partial. You can make claims for incidents up till 31 March 2026 |
1 April 2026 onwards | No |
The most interesting scenario is a trip that straddles 1 April 2026. In this case, you can only make claims for incidents that happen up till 31 March 2026, so if youโre in this scenario, please make sure all your travel-related misfortune is front-loaded!
Citi credit cards ending complimentary travel insurance in 2026
Terms and Conditions
Summary Review: Citi PremierMiles Card
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Apply Here | |||
๐ฆ MileLion Verdict | |||
โ Take It โ Take It Or Leave It โ Leave It |
If youโre in the market for a general spending card, then the Citi PremierMiles Card ticks many of the right boxes: non-expiring miles with 11 transfer partners, two lounge visits per year, complimentary travel insurance with good coverage, and a great welcome offer with a relatively low minimum spend.
However, Citi continues to have an annoying practice of different rewards currencies across its cards, and not allowing the two to pool. Moreover, the earn rates are average at best, and Citi PayAllโs latest promotions havenโt exactly set the world on fire.
That said, if youโre interested in exploring programmes beyond KrisFlyer, or donโt have any Citi cards at the moment and qualify for the welcome offer, then some of these shortcomings can probably be overlooked.
So thatโs my review of the Citi PremierMiles Card. What do you think?
Itโs a shame that the new cards are all issued under MC no more under visa networkโฆ. No chance for grab top up points ๐
Lounge for 1st year only. Thereafter if U pay the card annual fee maybe U entitle to the lounge.
You get the 2 lounge visits every year regardless of whether you pay af
Hi Aaron, I was wondering, if we do not want miles for annual fee, can we get a waiver for annual fee?
Yes, worked for me for the past 6 years. Though I had to formally request to cancel the card one year before the waiver was granted.
sure, at citiโs discretion
Yes, Iโve been doing for the past few years.
I was also able to get the annual fee waived and keep the miles because I was charging a fair bit on the card.
YMMV
This series is great! What other cards are in the pipeline?
a lotโฆalthough iโm holding off on the hsbc and boc cards until they make their T&C changes. iโm feeling dbs altitude and uob prvi miles for the next 2.
Next review: DBS Altitude card please! ๐
Appreciate this review!
Hi Aaron,
U have any article that shares how to get the best deal out of which transfer partner for premier miles?
https://milelion.com/2019/06/03/british-airways-new-avios-chart-is-out-and-heres-how-the-sweet-spots-have-changed/
https://milelion.com/2018/12/24/good-value-star-alliance-bookings-with-turkish-airlines-miles-and-smiles/
https://milelion.com/2018/06/26/finding-the-sweet-spots-among-etihads-23-award-charts/
i just noticed that there is no more Sign-Up Bonuses if u sign up through Singsaverโฆ..
not correct- sign-up bonus continues to be available via Singsaver
edit: the sign up bonus for new-to-bank customers where you pay the annual fee and get up to 40k (37.3k now) miles is valid via SS
the other offer where you ask for a waiver and get up to 10k miles is not
Drop me an email via contact us and Iโll ask Singsaver to look at your case
Do you mean the 1st year annual fee waiver offer where you get 13200 bonus miles does not stack with singsaver bonus?
My first CC and I still use it frequently.
Are we able to earn miles paying insurance through ipaymy?
Updates to Citi Asia miles?
Noticed this in the Citi PM T&C: asia miles is 1 Citi Mile = 0.4 Asia Miles
4.3 The cardmember can use Citi Miles to redeem for FFP miles/points at the redemption rate of 1 Citi Mile = 1 FFP mile (except for Asia Miles FFP where the redemption rate is 1 Citi Mile = 0.4 Asia Miles).
this is from the 2012 T&Cs file.
Do grab top ups using premiermiles Visa still earn miles?
hi Aaron, since PM card is transitioning from Visa to MC, upon card expiry and renewal, will citi keep our miles and uphold the never expire miles?
if your card is switched from visa to mc, your points will be transferred accordingly
Does this card award miles for grab top ups and paying grB transactions?
Hi Aaron,
Is paying the annual fee for the 10000 miles worthed it? I mean if we earn 1.2mpd wouldnโt paying $193 = 231 miles only? I know Iโm thinking too simply but I really do not understand. Some other review sites say these 10000 miles only have a value of $100 but for example if I buy spend $100 locally on retail wouldnโt that get me 102 miles only? Appreciate if you could help enlighten me
Thank you for the update. Anyone has experience booking hotel through Kaligo with Citibank card? My hotel bookings were in early March but the 10 miles has yet to be given out. As of now, I only received the base points of 1.2miles.
I use this card for Kaligo a lot. You have to phone in every time to ask them to credit the bonus milesbut they do award 10Mpd, provided you booked through their dedicated link
Is this statement really correct? โExisting Visa cards can continue to be used until expiry. โ
I had an expiring Citi Visa card. I called to ask for a Visa card replacement and they gave one to me with no problems. The CSO told me that unless the customer gave the consent for a Mastercard replacement, they would still give out Visa.
My expired Visa card was automatically replaced with a new one. For what it is worth, I have both the Mastercard and Visa versionโthe former paired with Amaze as a card of last resort.
do they pool?
Which is more lucrative, running it through Amaze card to pay in SGD or charge it directly in FCY for this card?
Am I required to pay the annual fee for the first year in order to receive the 10,000 miles?
is there a cap to the number of miles per month/transection?
ie is this card good for adhoc large spends
Does adding Citi Premier to Apply Pay means no miles can be earned?
Citi not pooling points is a huge neg for them. Would get more of their cards if this was made possible.
Hi Aaron, CitiBank has extend the sign up bonus to 31st July 2024. https://www.citibank.com.sg/pdf/credit-cards/travel/premiermiles-card/welcome-offer.pdf
thanks, will update the post
Citi credit cards have very frequent unauthorized use. I have reported more than 5 times within 6 months. Anyone have this problem? Now I have to lock my cards in app and unlock to use it, very troublesome
Happened twice to me as well. Also once on DBS. Looks like widespread issue
Is there any point to getting this card if you already have a Citi Prestige?
Hi sir, could I check with you, it appears that Citi PremierMiles no longer qualifies for free travel insurance?
https://www1.citibank.com.sg/credit-cards/travel/complimentary-travel-insurance
Thereโs still complimentary travel insurance for PremierMiles. Check the T&Cs Bullet Point 5.
https://www1.citibank.com.sg/credit-cards/travel/premiermiles-card
https://www.citibank.com.sg/pdf/credit-cards/complimentary-travel-insurance.pdf?icid=SGLEUJ5ENPREMCAAN19
[โฆ] Citi PremierMiles Card Review โ The MileLion [โฆ]
Been putting most of my spending on this card (Visa version) for about 13 years except for transport and insurance. I like that itโs simple with the 1 to 1.2/2.2 ratio across the board. Mostly happy with it but they started waving the annual fee without telling you.. they probably realised that $196 for 10,000 is a good proposition. In the past theyโd send you a notice to let you know the fee was waived. Either way you can request for the annual fee to be reinstated but they not telling you its waived is a sneaky way to hopeโฆ Read more ยป
Can I apply for this card just to use the lounge visit, and cancel if cannot waive annual fee? like $0 spend. Already have Citi Rewards and not cancelling cuz love the 4mpd, so wont get sign up bonus.
thereโs 1% DCC charges on agoda