Citi PremierMiles Card – MoneySmart Review 2022

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Citi PremierMiles Card – MoneySmart Review 2022
© Provided by MoneySmart Citi PremierMiles Review The Citi PremierMiles Card has been in the spotlight for the longest time: It’s considered one of the most popular Citibank credit cards, and once upon a time, some even regarded it as the best miles credit card in Singapore. Why? Citi PremierMiles Card has one of the best sign-up bonuses in town. Earning miles on an air miles credit card takes a painfully long time, and one way to work around that is to get a credit card with a big sign-up bonus so you can get a sizeable bump in your miles. Is the Citi PremierMiles still worth getting? Let’s find out.

Citi PremierMiles Card essential information

Citi PremierMiles Card
Annual fee $192.60
Supplementary annual fee Complimentary
Interest free period 25 days
Annual interest rate 26.90%
Late payment fee $100
Minimum monthly repayment 1% or $50, whichever is higher
Foreign currency transaction fee 3.25%
Cash advance transaction fee 6% or $15, whichever is higher
Overlimit fee $40
Minimum income $30,000 (Singaporean/PR) / $42,000 (non-Singaporean)
Card association Mastercard
Wireless payment MasterCard PayPass, Samsung Pay, Citi Pay

How the Citi PremierMiles Card works

The Citi PremierMiles Card is a top pick for air miles because of its huge welcome bonus of 45,000 miles and spend $9,000 within 3 months. [ms-inline-widget channel=”credit-cards” category_slug=”best-credit-cards” product_slug=”citi-premiermiles-card” locale=”en” country_code=”sg”] Welcome promotions aside, the Citi PremierMiles Card standard miles accrual rate is $1 = 1.2 Citi Miles (local spend) and $1 = 2 Citi Miles (foreign currency spend). Also, Citi Miles never expire, so even if you aren’t travelling as frequently as before, you can still claim them later.

Who should use the Citi PremierMiles Card?

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The Citi PremierMiles Card is fantastic for making travel bookings and big purchases. Both the overseas and local earn rates lose to its biggest competitor the UOB PRVI Miles Card ($1 = 2.4 miles for foreign currency spend, and $1 = 1.4 miles for local spend, no minimum). That said, you may get quite a bit of utility out of the Citi PremierMiles Card if you make most (if not all) your bookings via travel aggregators Agoda and Kaligo, thanks to the current travel promotions and bonus earn rates. The Citi PremierMiles Card also comes with Priority Pass membership for the Principal cardmember only (on application basis, 2x airport lounge visits per year) and complimentary travel insurance coverage of up to $1,000,000.

Citi PremierMiles Card promotions

Kaligo

  • Earn 10 Citi Miles per $1 spent on Kaligo.com. Valid till 31 December 2022.
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Agoda

  • Earn up to 7 Citi Miles per $1 spent on hotel bookings worldwide. Valid for bookings made now till 31 July 2022 and for stays till 31 October 2022.

Alternatives to the Citi PremierMiles Card

I mentioned earlier that the Citi PremierMiles has poorer earn rates than its main competitor, the UOB PRVI Miles Card. Let’s compare it against similar credit cards on the market: UOB PRVI Miles Card – Much better earn rates than the Citi PremierMiles, at $1 = 1.4 miles (local) and 2.4 miles (overseas), hence a better credit card for day-to-day use. It also has a competitive travel booking promotion with $1 = up to 6 miles (Agoda, Expedia, UOB Travel). [ms-inline-widget channel=”credit-cards” category_slug=”best-credit-cards” product_slug=”uob-prvi-miles-card” locale=”en” country_code=”sg”] American Express Singapore Airlines KrisFlyer Ascend Credit Card – Poorer overall earn rates than the Citi PremierMiles Card, but has bonus accrual for Grab rides ($1 = 3.2 miles). Its welcome offers is also less attractive: You only get 5,000 KrisFlyer miles the first time you charge to your card — for first-time American Express Singapore Airlines Credit Card applicants only. [ms-inline-widget channel=”credit-cards” category_slug=”best-credit-cards” product_slug=”american-express-singapore-airlines-krisflyer-ascend-credit-card” locale=”en” country_code=”sg”] Maybank Horizon Visa Signature Card – With high bonus earn rates ($1 = 3.2 miles) on local dining, petrol and taxis, it’s hard to beat this one for getting miles on your daily expenses. There is a $300 minimum spend, which is reasonably low. Rewards are capped at 30,000 TREATS points per month. [ms-inline-widget channel=”credit-cards” category_slug=”best-credit-cards” product_slug=”maybank-horizon-visa-signature” locale=”en” country_code=”sg”] All in all, the Citi PremierMiles Visa Card has a decent, no-strings-attached welcome bonus, but that’s about it. Its main spend category for bonus miles is travel booking sites, but even for those, you’re better off with the UOB PRIVI Miles card’s more attractive earn rates. If you want to earn miles while swiping for day-to-day stuff like meals and transport instead, then the Maybank Horizon Visa Signature is a much, much better choice. [ms_related_articles] The post Citi PremierMiles Card – MoneySmart Review 2022 appeared first on the MoneySmart blog.

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