Is Citi PremierMiles Visa Card really the best card to earn miles? - Seedly
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Citi PremierMiles Visa Card

MileLion

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Anonymous

Asked on 17 Nov 2019

Is Citi PremierMiles Visa Card really the best card to earn miles?

For someone with an annual salary under S$60K.

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HI anon,

Citi PM is a very decent general spend card which you can put any non-specialised spend on. The miles do not expire, similar to OCBC 90N and DBS Altitude. However, better general spend cards such as BOC Elite miles and UOB Priv Miles exist, but they have an expiry on their miles, so there will be a need to ensure you can burn what your earn. I like the fact that Citi PM can earn 7/10 mpd on hotel stays through Expedia/Agoda/Kaligo, which can lead to massive boosts in accural (imagine if your company reimburses you for hotel stays on business trips).

What is 'best' has no clear answer since it does depend on your expenditure patterns and where you can maximize it. In general, you can look at your spending categories and have a 4mpd card for those. Overseas spending is currently boosted by 4mpd on OCBC 90N till end Feb 2020, so go for that if you're travelling. Priority pass has its perks as well, and you can add a second one via DBS Altitude for more visits, since both cards earn miles that never expire.

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Aaron Wong
Aaron Wong, Founder at The Milelion
Level 6. Master
Answered on 18 Nov 2019

"Best" is subjective. In terms of pure miles earning potential, the Citi PMV (1.2/2.0 for local/overseas spending) is outstripped by the UOB PRVI Miles (1.4/2.4), OCBC 90N (1.2/4.0- until 29 Feb 2020) and BOC Elite Miles (1.5/3.0) cards.

However, the key advantage of Citi is that they have the most transfer partners of any bank in Singapore. There are a total of 11 transfer partners- not just "classic" ones like KrisFlyer and Asia Miles, but more "exotic" ones like British Airways Avios ( https://milelion.com/2019/06/03/british-airways-new-avios-chart-is-out-and-heres-how-the-sweet-spots-have-changed/ ) EVA Air ( https://milelion.com/2019/10/24/amex-adds-eva-air-infinity-mileagelands-as-transfer-partner-good-option-for-japan/ ), Etihad ( https://milelion.com/2018/06/26/finding-the-sweet-spots-among-etihads-23-award-charts/ ) and Turkish Airlines ( https://milelion.com/2018/12/24/good-value-star-alliance-bookings-with-turkish-airlines-miles-and-smiles/ )

As you can see, each FFP has its own sweet spots, and holding Citibank points gives you the flexibility to pick and choose depending on where you're flying to.

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Cedric Jamie Soh
Cedric Jamie Soh
Level 8. Wizard
Answered on 23 Dec 2019

For me I love the part that its miles does not expire.

There are better cards around, such as UOB Priv miles that is a better earn than Citibank.

However, Citibank Premiermiles's benefit of miles that does not expire seals it for me.

It depends on your prefeence. If you use miles often, go for a better card that earns more miles per dollar spend (UOB Priv miles, Amex Krisflyer)

If you prefer to keep and accumulate miles that does not expire, go for citibank!

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Bjorn Ng
Bjorn Ng
Level 9. God of Wisdom
Answered on 22 Dec 2019

Well it's not exactly the best, very subjective and to each own's preference. It's a good card for general spend with no expiry on miles (the main factor actually). It depends on your expenditure also. OCBC 90N is also one of the newer contenders out there, and they currently have a promo till Feb 2020 where you get to earn 4mpd on flight bookings and 8mpd on accomodations.

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For Citi Premier Miles, you earn 1.2 miles per dollar. It is a decent card since the miles never expire.

To be fair, whether it is the best card or not depends on your needs and spending habit. It is a good card that does its job well alongside with several other benefits, e.g. Priority Pass.

There are other cards such as UOB PRIV Miles card that earns 1.4 miles per dollar, OCBC 90°N CARD that earns 4 miles per dollar on each eligible spend.

If you prefer to calculate everything merticulously and to know which card to use for which scenario, then there may be better options. Otherwise, Citi PremierMiles does its job well. To end off, it depends on how discipline are you into the miles game.

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Ken K
Ken K
Level 6. Master
Answered on 10 Feb 2020

It's a decent general spending miles card

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BA
Barry Allen
Level 6. Master
Answered on 10 Feb 2020

You may want to consider the new DBS Altitude card sign up promo that gives you up to 36,000 miles for your first $6000 spend. This works out to be 6mpd. Afterwards, you get 1.5mpd for the first 180 days, which is the best general spend card out there at the $60k income range.

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Sanchit
Sanchit
Level 6. Master
Answered on 23 Dec 2019

To make it simple, Yes its pretty good

BIGGEST ADVANTAGE: no miles expiry

BIGGEST DISADVANTAGE: 25 bucks per transfer

I would strongly look at OCBC 90N if you have decent transactions and dont worry about miles expiring

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Jacob
Jacob
Level 6. Master
Answered on 22 Dec 2019

Every card has their edge, and there isn't just a single card that triumphs in all categories. Just to discuss on the Citi PM card,

+ve: Redemption across 12 airline partners (the most amongst all cards), miles don't expire, 2 airport lounge access per year

-ve: $25 conversion fee into miles

If you don't mind holding many cards at once, there is an article (https://milelion.com/2019/09/21/miles-game-starter-pack-four-credit-cards-you-need-to-get-going/) that lists the various categories of spend and the cards that would help you maximise the miles earned. Hope it is not too much of an hassle keeping up with various perks of these cards when you have them in your wallet.

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Nope, it's not the best. The only key benefits for Citi PM is no expiry of miles and you can consider paying the annual fee for 10K miles.

Currently, this is the 3 cards you should consider:

UOB Prvi - 1.4 MPD for general spending, up to 4.4MPD for local bus and train rides via mobile contactless

UOB Preferred Visa - 4MPD for contactless payment, capped at $1K

OCBC 90oN Card - 4MPD for overseas spending, no cap until 29 Feb 2020

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Aik Kai
Aik Kai
Level 7. Grand Master
Answered on 18 Nov 2019

No. Definitely not. A good card to add to your collection of cards but not the card you take it out to use often, unless the merchant has offers for Citi cards.

No expiry of miles and paying annual fee for 10K miles are nice but not the earth shattering type.

Instead, you should get more cards, like a lot more. Understand your spending habits and know where you spend most on. Then, get a card or cards that maximise the rewards you get for spending on that particular category. Example, you spend a lot on online shopping. You should be having Citi Rewards Card, and OCBC Titanium card as these cards gives you 4mpd on online shopping, instead of 1.2mpd when you spend with Citi PM card.

Cheers!

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