BestCreditCards.sg's Review of Citi PremierMiles Visa Card
|Highlights||Credit Card Feature|
|Things We Like||10% off Expedia hotel bookings|
|Our Least Favourite||Transferring miles costs time and money|
|Our Verdict||One of the top air miles credit cards in Singapore|
- S$1 = 2 Citi Miles on foreign currency spend.
- S$1 = 1.2 Citi Miles on Local spend (no min. spend)
- S$1 = 1.5 Citi Miles on Local spend (min. spend of S$3,000 total retail purchase per statement month, valid till 31 Dec 2019). Citi PayAll transactions are considered qualifying spend
- Earn miles when you pay your rent, education expenses, tax, electricity bills and condominium management fee via Citi PayAll
- Travel with miles that never expire.
- No caps on miles earned
- Redeem your miles for flights, hotels, merchandises via Citi ThankYouSM Rewards or cash rebates
- 1 Citi Mile = 1 Mile with: KrisFlyer, Asia Miles, Qantas, Qatar, Flying Blue, Ethad Guest, Royal Orchid Plus, Executive Club, Enrich, Infinity MileageLands, Garuda Frequent Flyer
- 1 Citi Mile = 1 IHG Rewards Club point; 1 Citi Mile = 1.5 Hilton HHonors points
- Upon renewal of annual membership and payment of annual fee, you will receive 10,000 Citi Miles
- Complimentary access to hundreds of airport VIP lounges twice a year & Personalised Priority Pass membership card
- Complimentary Travel Accident Insurance: Up to S$1,000,000 coverage in the event of death or permanent disablement, arising from an accident in a common carrier. (Up to S$50,000 coverage for your child)
- Earn up to 10% Citi Rebate at over 300 locations (including Starbucks and Subway) on top of your other card benefits.
- Year-long Visa Signature privileges
- Citi World privileges
- Wireless payment: Visa payWave, Apple Pay, Google Pay, Samsung Pay
- 14% discount at Esso stations: 5% Esso site discount + 5% Esso Smiles card discount + 4% Citi Card discount
- 14% discount at Shell stations: 5% Shell site discount + 5% Shell Escape discount + 4% Citi Card discount
- Intro Interest p.a.
Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.
- Annual Fee
$192.60 (first year annual fee waiver)
- Minimum Income
S$30,000 for Singaporean, Singapore PR; and S$42,000 for Foreigners
- Standard Interest p.a.
26% per annum
Citi PremierMiles Visa Card is a credit card that's suitable for spenders who want to earn miles which can be used to offset some of your travel expenses. Through the Citi Miles programme, cardholders can earn miles on both local and overseas spending, and redeem these for miles on a wide range of frequent flyer programmes. Citi PremierMiles Visa Card offers several complimentary travel perks, and also lets you earn rebates when you shop at any of their over 500 participating retailers.
Things We Like About Citi PremierMiles Visa Card
Enjoy 10% off hotel bookings on www.expedia.com.sg/citibank. Valid till 31 December 2019, use promo code: CITIEXPSG. Terms and conditions apply.
Earn 2 Citi Miles overseas and 1.2 Citi Miles locally. As a cardholder, you will earn 2 Citi Miles for every $1 that you spend on purchases overseas, and 1.2 Citi Miles for every $1 spent on purchases locally. No minimum spend required. Citi Miles don't expire.
Earn Citi Miles via City PayAll when you pay your rent, education expenses, tax, electricity bills and condominium management fee.
Earn bonus Citi Miles on renewal. Earn a bonus 10,000 Citi Miles after renewing your membership every year. This annual bonus makes up for the cost of the annual fee, and gives your miles a nice boost.
You can redeem airline tickets, hotel stays, travel purchases and cash rebates. There are a whole lot of options when it comes to redeeming your Citi Miles.
Redeem them for travel with a participating frequent flyer programme. There are over 60 airlines you can choose from, so you get a lot of flexibility and freedom to pick your ride.
You can also redeem miles with one of 8,000 hotel properties.
Offsetting the cost of your travel related purchases immediately at selected merchants across Singapore, Bali and Bangkok is another smart way to redeem miles.
Cardholders can also redeem Citi Miles for cash rebates (1,000 Citi Miles = $10 value). If you want cash back, note that you will have to redeem a minimum of 2,000 Citi Miles and you can only redeem in increments of 1,000 miles.
Wireless payment option. Simply pay, wave your card and go! The Visa payWave, Apple Pay, Google Pay and Samsung Pay service allows you to make your purchases simpler and faster with secure contactless card technology.
You also get Citi Rebate. You earn up to 10% cashback instantly when you use this card to pay at over 300 merchant outlets. These include many popular shops and restaurants such as Subway, Sheng Siong Supermarket, and Starbucks.
It gives you exclusive hotel offers. Enjoy offers from the Visa Luxury Hotel Collection which may include best available rate guarantee, free in-room internet, complimentary continental breakfast, $25 food or beverage voucher and more.
2 complimentary Priority Pass airport lounge passes every year. Sitting around in an airport doesn't having to be unpleasant. With this card you enjoy complimentary access to over 600 members-only Priority Pass airport lounges twice a year! You can make use of phones, fax machines, internet and conference rooms in these airport lounges. This is limited to 2 complimentary visits per year. The principal cardholder can take an accompanying guest, but this counts as 1 extra visit.
Global recognition with Citi World privileges. Make impressive savings with the Citi World privileges programme. Over 40,000 merchants worldwide are included and span a great range of categories such as dining, shopping, sports and travel.
You get 24/7 assistance. Get peace of mind with a dedicated 24/7 number to call for enquiries about your card. You can also call the same number to make hotel and air reservations and get recommendations for your travel destinations. Just call 6225 2727 for immediate assistance.
Complimentary travel accident insurance. If you pay for your travel bookings using your Citi PremierMiles Visa Card, you enjoy a thorough personal protection insurance plan with the following benefits:
Up to $1,000,000 of travel accident insurance coverage for the cardholder and $50,000 for an accompanying dependent child.
Medical assistance. Overseas medical expenses will be covered including $100,000 for emergency medical evacuation. If you suffer an injury or illness while on a covered trip, you can get up to $40,000 of coverage for medical expenses. You can also benefit from up to $50,000 coverage for repatriation for medical care. This coverage only applies when you charge your travel bookings to your card.
Baggage loss/loss delay coverage. If your luggage is lost by a common carrier while traveling the baggage loss coverage of up to $500 reimbursement per article (up to max $1,000) can help offset the inconvenience. You also get baggage delay coverage of $200 for every consecutive 8 hours of delay, up to max $500. Coverage applies when you pay for your travel with Citi PremierMiles Visa Card.
Trip delay/interruption insurance. If your flight is delayed you can benefit from flight delay coverage of $100 for every consecutive 8 hours of delay (up to a $500 maximum). If a flight you are booked on is cancelled unexpectedly, you can get up to $500 reimbursement thanks to trip cancellation coverage. You can also get reimbursed with up to $500 for unexpected expenses arising from an interruption to your trip thanks to the trip interruption coverage this card provides. This coverage only applies when you pay for your trip using your card, and you will only be able to get reimbursed for expenses paid for with this card.
Credit limit flexibility. Need a little extra credit one month? No problem, Citi PremierMiles Visa cardholders can request both a temporary and permanent credit increase when the need arises.
Worldwide cash withdrawal. You can also use your card to get instant cash advances (of up to 100% of your credit limit), from over 500,000 Visa PLUS ATMs worldwide, helping you avoid any sticky situations.
Year-long Visa Signature privileges. Enjoy the privileges a Visa Signature card brings all year long! These include special rates at some of Asia's best golf courses and shopping and car rental savings.
Best petrol deals. Benefit from special offers on your petrol spending at Esso and Shell all year round.
You can benefit from a 0% interest rate on balance transfers for 3, 6 or 12 months when you transfer a balance from another bank's credit card or credit line to Citibank. Keep in mind that there is an upfront service fee starting at 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan. But do the math, with interest rates for card balances averaging 24% per annum, you can save a lot of money over 3, 6 or 12 months by moving your debt to this account. If you manage to pay off your debt during that 3/6/12-month promotional period, you won't have to pay the regular 26% interest per annum when the promo period is over.
You can get a lower interest rate. You get a promo interest rate of 20% per annum for purchases and 20.9% per annum for cash, which is a huge discount on the standard 26% interest per annum. This promo rate may be extended based on the good conduct of your account.
Our Least Favourite Things About Citi PremierMiles Visa Card
Transferring miles costs time and money. You will pay a $25 administration fee every time you transfer your miles to frequent flyer programmes. The process also takes 5 working days. This is a disadvantage compared to other airline co-branded credit cards which let you earn miles directly into your frequent flyer account. However, Citi PremierMiles Visa Card gives you the freedom to transfer your miles to many different frequent flyer programmes.
How Other Cards Compare With Citi PremierMiles Visa Card
|Intro APR:||Transfer your outstanding balances on any other bank's credit card or credit line to Citibank at 0% nominal interest rate for 3/6/12 months with upfront service fee from 1.58%. Eligible for new Citibank customers who apply for Citibank Ready Credit account with minimum $500 loan.|
|Regular APR:||26% per annum|
|Annual Fee:||$192.60 (first year annual fee waiver)|
|Regular APR:||25.90% p.a.|
|Annual Fee:||$192.60 (waived 1 year)|
Citi PremierMiles Visa Card helps you earn miles fast, gives you top travel insurance coverage and the income required to apply isn't too high.
In our opinion, Citi PremierMiles Visa Card is one of the top miles credit cards in Singapore right now. Only a handful of cards match the miles-earning rates you enjoy with this card. You earn a pretty decent number of miles for your purchases, and your Citi Miles can be redeemed towards flights on 60 different airlines and stays at over 8,000 hotels. So you have a lot of choices and can usually find the deal that gives you the most value. Citi PremierMiles Visa Card also provides solid travel insurance coverage and a number of travel perks.
You can save money by earning cash rebates at over 300 outlets in Singapore through the Citi Rebate programme (Starbucks lovers, how does 10% cashback sound?), so this card will help you save right here at home as well as when you travel.
What we appreciate most about this card is the complimentary access to Priority Pass airport lounges around the world, even though it's just 2 complimentary visits a year. Relaxing in style before a flight or during a layover is a high-end perk you won't want to miss!See more Citibank credit cards.