CITI PremierMiles Visa Card Reviews and Comparison - Seedly
Reviews (18)
3.9
Reviews (18)
3.9
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  • Updated on 13 Jun 2019
    Used to be the best miles card around with little to no restrictions on the types of transactions eligible for miles. However this card is getting heavily nerfed come October 2018. Based on the new card agreement on their site, a whole bunch of transactions are now excluded from earning miles. The most egregious exclusion is "any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts", which will likely affect Paypal transactions. Bill payment will also be excluded.
    1 comment
    1
    Tee-Ming Chew
    Tee-Ming Chew

    19 Nov 2018

    Was looking at this card for awhile.. Interested to know what you use to earn miles now!
  • Updated on 23 Apr 2019
    Pros: - Good for general spending - Miles do not expire - Many miles programs available for conversion - High miles per dollar for selected merchants - Free lounge pass yearly - There is basic travel insurance that comes with the card Cons: - Not as fantastic if you are accumulating miles for large ticket items - Low mile per dollar for all generic spending
    0 comments
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  • Updated on 19 Mar 2019
    Good: - Approved in 2 days - Miles point won't be expired - A lot of promotion discount for flight, hotel, dining and shopping Bad: - Take long time to convert your transaction to miles - Some daily transactions like top up ezlink card, won't be converted to miles
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  • Updated on 10 Jan 2019
    Not a fan of miles but willing to hold this card for it's renewal miles bonus of 10,000 miles! $1 to 50 miles. Best ever deal already. And the miles do not expire. Plus it does have a decent miles earning though not the best.
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  • Updated on 10 Jan 2019
    Good card for earning miles and getting yearly free access to lounge using priority pass, with annual fees waived:)
    0 comments
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  • Updated on 10 Jul 2018
    Although it's not the card that gives the highest airmiles per $, it's one of the rare ones with no expiry date. Perfect for individuals who do not spend huge amounts on a daily basis
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  • Updated on 10 Jun 2018
    This was my first ever credit card in Singapore so I'm kinda attached to it. My main regular spending each month aside from rent is for insurance premiums, and Citi PM card grants miles for that. I understand not many other cards do that. Granted, 1.2 mpd isn't much but these miles do not expire as long as they haven't been converted to a specific airline program yet. Foreign spend gets you 2mpd, plus you get 10k bonus miles when you pay the annual fee. In addition, you get free travel insurance if you charge your flight to the card and 2 free lounge access per calendar year via Priority Pass. It's a very dependable and useful general use card that has served me well over the past 8 years. It's still my main card and I don't foresee that changing anytime soon.
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  • One of the must have credit card if you are accumulating miles (General spending = 1.2 miles per dollar). Points that will never expire and points are not awarded in blocks of $5. What's there to complain. lol.
    0 comments
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Questions (16)

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CITI PremierMiles Visa Card

Pat
Pat
Level 4. Prodigy
Updated 2w ago
Consider what your bank’s exchange rate is like and how much their fx fees are like. Do a cost benefit analysis to see which card suits you. Hard for me to do the math for you since idk which currencies you frequently use. for me, I rather lose out on the miles bc youtrip’s exchange rate and lack of fx fees matter more to me (my main card is OC and their exchange rates are terrible).

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CITI PremierMiles Visa Card

Miles

Zen Rogue Xuan
Zen Rogue Xuan
Level 4. Prodigy
Answered 4w ago
This would depend on when you wish to spend the miles. A good rule of thumb is to look at when you wish to spend your miles. If you have/are going to buy big ticket items and subsquently will redeem the miles, then it would be wise to use the higher mile earning rate DBS Visa Black Card. On the other hand, if there is no foreseeable big spending/redemption, then it would be a beter choice to utilize the Citi PremierMiles Card instead.

CITI PremierMiles Visa Card

UOB One Card

Credit Card

Junus Eu
Junus Eu
Top Contributor

Top Contributor (Jun)

Level 8. Wizard
Answered 4w ago
Do you expect to be consistently spending more than the max cashback limit? If it's for travelling for work like you said (and I guess business expenses are reimbursed), then no harm looking for another card to accumulate more points!

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CITI PremierMiles Visa Card

DBS Altitude Visa Signature Card

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Jun)

Level 7. Grand Master
Answered on 16 Jun 2019
No cap that I know of. For DBS points, they must be transferred in blocks of 5000 points (10000 miles) and a $26.75 fee applies. 1-2 weeks for the transfer. For Citi PM, blocks of 10000 miles and a fee of $25.

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Miles

CITI PremierMiles Visa Card

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Jun)

Level 7. Grand Master
Updated on 16 Jun 2019
Consider your expenditure patterns and you might be best served by a mixture of cards for both general and specialized spend. There are a lot of cards on the market, but only the co-brand cards will credit miles directly to your Krisflyer account. Citi PM accumulates citi miles which you need to transfer to Krisflyer before you can start to redeem to flights. Other such cards include DBS altitude, etc where you earn the banks' "currency" that will then be converted to miles in the frequent flyer program of your choice. Consider also factors such as earning rate and expiry for the miles. Popular cards include BOC miles card, DBS altitude, Citi Rewards, etc. Happy hunting for the best cards!

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DBS Altitude Visa Signature Card

CITI PremierMiles Visa Card

Aik Kai
Aik Kai
Level 5. Genius
Answered on 21 Apr 2019
Personal opinion, keep both. Both allows you to "buy" miles when you pay the annual fee and the miles don't expire, so you can slowly accmulate towards your dream redemption. Besides, if you only have these 2 cards, DBS Altitude Card allows you to earn 3mpd when you buy air tickets and book hotels online, so that helps to boost your miles earning rate.

CITI PremierMiles Visa Card

Credit Card

Henry Hoe Yong Zhi
Henry Hoe Yong Zhi, Co-founder at Cantley Lifecare Pte Ltd
Level 3. Wonderkid
Answered on 19 Mar 2019
It depends if you use those miles, if you do and you can spend them before they expire, then I highly recommend it.

UOB PRVI Card

CITI PremierMiles Visa Card

Credit Card

Tianshu Dai
Tianshu Dai
Level 2. Rookie
Updated on 07 Jun 2019
Both cards have limits. My suggestion is to have both of them. 1. For miles calculation. We usually didn't think about the spending block. Which UOB has the block in $5 and CITI is in $1. To simplest the usage. You can use CITI to pay any bill which under $20. And use UOB to pay the bill over $20. You can refer to this chart. And here's the formula if you need. UOB=INT(INT(amount/5) 3.5) 2 , CITI=INT(INT(amount) 1.2) ! 2. UOB Amex has a benefit which gives you 20,000 miles every year with $50,000 spending which is the most important attraction to me. The maximum rate under this benefit becomes 1.8miles/dollar. And that's why I apply this Amex one rather than visa one. 3. Amex channel has a lot of limitations which you can not use it to pay tax, telephone bill or insurance(I'm not sure). But to be honest. Citi also changed their policy on Oct 2018 which you can not earn any points from insurance or electric wallet top-up. So if one card has no benefit from certain category spending. Please just choose the other card. Or the rebate card. 4. For the redeem. If you can not earn points very fast. Please choose CITI or even DBS altitude. Their points never expired. Or just use the rebate card which may even better for you. If you can earn points fast. UOB's two-year limit will not be an issue. 5. KEEP YOUR MILES UNDER ONE AIRLINE! Now airlines have different alliances. So use one airline account to redeem different airlines tickets is far than enough for you. Because 1. you usually take SQ. 2. Miles transfer from bank to airlines is blocked in 10k. But your reward ticket uses variable miles. The balance miles always become waste if it's not in your SQ account. Conclusion: No need to consider how many airlines the card support. You only need SQ. 6. Join the miles promotion from CITI. Last year they got 43k miles marathon. This year they have 38k miles activity. Which let you spend 8888 dollars within 2 mths. and pay 288 admin fee to get extra 28k miles. It's not bad. And last year 20X promotion is really good. UOB doesn't have too many promotions. Just the 10miles promotion for Agoda is not bad(have maximum S$1500 limit). But Agoda usually has a lot of rebate for cards which make 10miles promotion not worth. 7. CITI have Priority Pass. UOB doesn't. If you need miles. That means you need lounges. PP gives you the basic lounge access. Better than nothing. You can add Citi to your apple pay. UOB Amex can not. If I can choose only one of them. I'll choose UOB Amex.
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CITI PremierMiles Visa Card

Lifestyle

Kenneth Lou
Kenneth Lou, Co-founder at Seedly
Level 8. Wizard
Updated on 07 Jun 2019
Converting Your Citi Miles (or Points) To KrisFlyer Miles 1 Citi Mile = 1 KrisFlyer Mile (or 5 Points = 2 KrisFlyer Miles) Now, the Citi Miles that you earn on your card aren't true air miles. They are like reward points which you can convert to KrisFlyer Miles. However, since the mile conversion rate is 1:1, you can imagine them as the same amount of KrisFlyer Miles you'd get if you were to redeem. If you hold other Citibank credit cards that reward you with points (in the form of Citi Dollars) instead of miles, you can have your points converted to miles as well. According to Citi, for every 5 points that you transfer, 2 miles will be credited into your frequent flyer account. How To Redeem Citi Miles For KrisFlyer Miles You will first need to have a KrisFlyer account and a Citi account online. Signing up for a KrisFlyer account is free on the Singapore Airlines website, but note that a KrisFlyer account will be closed after 39 months from the date of your last activity recorded. A KrisFlyer account will also be closed if it is inactive for 18 months from the date of commencement of membership. Go to www.citirewards.com, log in and redeem. You will have to log in to your Citi account online with your user ID and pin. Everything can be done online as there will be prompts for you to key in your Citi PremierMiles Visa Card details. Easy peasy. A $25 administration fee will be charged for each redemption. Allow 5 working days for the processing of your redemption request to redeem your Citi Miles for KrisFlyer Miles.

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Lifestyle

CITI PremierMiles Visa Card

Kenneth Lou
Kenneth Lou, Co-founder at Seedly
Level 8. Wizard
Answered on 16 Feb 2019
For KrisFlyer Basic, Elite Silver and Elite Gold members, KrisFlyer miles are valid until the end of the 36th month (3 years). Use your miles on the many flight and non-flight redemption options, including KrisShop purchases, Make-A-Wish donations, Scoot vouchers, and more, before they expire. If your miles are expiring for the first time, you can extend them for 6 months. Select miles expiring in the next six months and you can extend them at a service fee of 1,200 KrisFlyer miles or USD 12 for every 10,000 miles. If you've extended any of these miles before, you won't be able to extend them again. For Credit card points, they usually last around 2 years, before you convert them into miles. _ A common strategy adopted: 1) Rack up credit card points (eg HSBC rewards points) keep for 2 years (before they expire 2) Convert at near the end of 2 year mark to Krisflyer miles 3) Rack up Krisflyer miles that can last you up to 3 years Hope this helps :)
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About CITI PremierMiles Visa Card
Card NameCiti PremierMiles Visa Card
Local Miles RateS$1 = 1.2 Miles
Special Miles RateOverseas: S$1 = 2 Miles Selected Online: S$1 = 7 Miles
HighlightsBonus + Large payments (eg wedding, renovation)

Fees and Charges for CITI PremierMiles Visa Card

  • Annual Principle Fee: $193
  • Annual Supplementary Card fee: Complimentary
  • Fee waiver: Available
  • Interest-Free Period: 25 days
  • Annual Interest Rate: 26.90%
  • Minimum monthly payment: 1% or $50, whichever is higher
  • Late payment charge: $100
  • Cash advance fee: 6% or $15, whichever is higher
  • Overlimit fee: $40

Eligibility for CITI PremierMiles Visa Card

  • Age 21 or older
  • Singaporeans and PR; Minimum annual income of $30,000
  • Foreigners; Minimum annual income of $42,000

Key features of CITI PremierMiles Visa Card

  • $1 = 1.2 Miles
  • $1 = 2 Miles for foreign currency spend, retail and online
  • $1 = Up to 10 miles for selected Online Hotel and Flight bookings
  • Citi Miles never expire
  • 2 complimentary visits every year to airport lounges worldwide

Terms and conditions of CITI PremierMiles Visa Card

  • Complimentary visits are based off an application basis for Priority Pass membership and is reserved for the Principle cardmember holder only. Limited to 2 visits per calendar year, every accompanying guest will be considered as 1 visit.

 

For more info, you can check out CITI PremierMiles Visa Card’s FAQ.