Citi Prestige and PremierMiles cards offering up to 4.5 mpd for FCY spend

Citi has a new enhanced miles earning offer for its Prestige and PremierMiles cardholders, with up to 4.5 mpd for in-person overseas (FCY) spend on up to S$5,000 of transactions per month. The deal runs from 1st November 2023 through to 31st January 2024, giving you three months to benefit.

The deal is strictly for Point-of-Sale (physical) transactions for the PremierMiles card, not for online spend in FCY, so you’ll have to have an overseas trip or two coming up in order to take advantage.

For the Prestige card, however, both online and physical spend is eligible.

You’ll also need to hit at least S$5,000 (in any spend) during the same calendar month to trigger the enhanced earning rate in each period, which is quite a high threshold for many to achieve.

Nonetheless, this is a good deal to consider if like many of our readers you’re taking an overseas trip in the coming months.

Registration required

You must register by SMS before being able to participate in the promotion, so you may as well do so straight away, even if you don’t think you’ll be using this one.

For example, if you register on 1st December 2023, you’ll only be eligible to participate in the December 2023 and January 2024monthly periods – your November spending would not be considered in this case.

Registration requires principal cardholders to send an SMS to 72484 using their mobile number registered with Citi, in the following format:

CITIPMCFX [space] Last 4 digits of your Citi PremierMiles Card Number Example: If your Citi PM card number ends in 1234, you will need to send “CITIPMCFX 1234” to 72484

All Citi PremierMiles cardholders are eligible for this promotion, with no upper participant cap.

CITIPRESFX [space] Last 4 digits of your Citi Prestige Card Number Example: If your Citi Prestige card number ends in 1234, you will need to send “CITIPRESFX 1234” to 72484

Unlike for the Citi PM, only the first 3,000 Citi Prestige cardholders to enrol are eligible for this promotion (erm… why Citi?!).

For either or both cards, you must register within the promotion period, but you may as well do so straight away, even if you don’t think you’ll be using this one.

Citi will reply to your SMS once it has been successfully received.

The offer

Once you have successfully enrolled for the promotion by SMS and received the response above from Citi, you can participate in the promotion.

Here’s how the deal is structured for each card.

• Minimum spend S$5,000 in the same calendar month (any regular eligible retail spend, including local and foreign currency transactions)
• 2 bonus miles per S$1 (4 mpd total) on the first S$5,000 of Point-of-Sale (physical) FCY spend per calendar month using your card (maximum 10,000 Citi Miles bonus per calendar month)

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• Minimum spend S$8,000 in the same calendar month (any regular eligible retail spend, including local and foreign currency transactions)
• 2.5 bonus miles per S$1 (4.5 mpd total) on the first S$5,000 of Point-of-Sale (physical) FCY spend per calendar month using your card (maximum 31,250 ThankYou Points / 12,500 miles bonus per calendar month)

If you wish to participate in December 2023, for example, that means spending S$5,000+ (Citi PM) or S$8,000+ (Citi Prestige) during that month. You can participate in any individual month of the offer as you wish, for example you could participate only in November 2023 and January 2024, if that suits your travel plans.

• Minimum spend per month: S$5,000 (within calendar month)
• Maximum bonus per month: 10,000 miles (S$5,000 FCY spend)
• Physical spend (PoS) only

Spend Category	Base miles	Bonus miles	Total miles
Overseas Spend (Point-of-sale transactions made during each calendar month of the promotion)	2 mpd	+ 2 mpd	4 mpd

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• Minimum spend per month: S$8,000 (within calendar month)
• Maximum bonus per month: 31,250 TYPs (S$5,000 FCY spend)
• Physical or online spend

Spend Category	Base miles	Bonus miles	Total miles
Overseas Spend (Point-of-sale transactions made during each calendar month of the promotion)	2 mpd	+ 2.5 mpd	4.5 mpd

There is no cap on the usual base earn rate for FCY spend (2 mpd) that you will be eligible to earn on these transactions during the promotion, even after your bonus cap is reached each month.

Spend during this offer, both to meet the minimum and for the bonus element, is considered based on transaction date in Singapore timing (GMT + 8 hours), regardless of the local date and time at the point of sale.

In other words be careful – a 10pm transaction on 30th November in London Time will count as December spend!

Eligible spend

The following categories count as eligible spend for this promotion:

• Overseas Spend Point-of-Sale Transactions
  Card transactions made overseas at point-of-sale in foreign currency. Card transactions made overseas but effected / charged in Singapore Dollars will not be valid.

• Physical or Online FCY Transactions
  Card transactions made in foreign currency. Card transactions made overseas but effected / charged in Singapore Dollars will not be valid.

Any spend made by supplementary cardholders during this promotion will be combined with that of the principal cardholder, for calculation of both the qualifying minimum spend and the eligible spend components.

Qualifying spend

For the S$5,000 (Citi PM) or S$8,000 (Citi Prestige) in monthly charges to the card to qualify for the enhanced earn rate within that month, Citi maintains a list of merchants and / or MCC codes which will not earn Citi Miles or ThankYou Points, and therefore aren’t considered eligible spend either, here.

Some of the most important exclusion categories are:

• Education Institutions (MCC 8211 – 8299)
• Government Services, including tax payments (MCC 9000 – 9999)
• Insurance (MCC 6300)
• Real Estate Agents and Managers – Rentals (MCC 6513)
• Utilities (MCC 4900)

Note that education, insurance and tax payments are specifically excluded from miles earning, but you will earn eligible spend with CardUp, ipaymy or Citi PayAll spend.

Qualifying spend vs. Eligible spend

Qualifying spend can include eligible spend, for example if you have successfully registered then make a S$8,000 in-store overseas payment in November 2023, it will unlock the bonus earn rate (S$8,000+ qualifying achieved) and be awarded 4 mpd earn rate (since it’s also eligible spend).

In other words you don’t necessarily need to make S$5,000+ or S$8,000+ of qualifying spend to then unlock the bonus for subsequent eligible overseas spend, the two amounts can ‘overlap’ if you wish.

When are the bonus miles credited?

You’ll initially pick up the regular 2 mpd earn rate for physical FCY transactions with these two cards, then the additional 2 mpd bonus miles (if applicable) will be credited three months after the eligible spend month.

• November 2023 spend: Bonus credited 1st – 29th February 2024
• December 2023 spend: Bonus credited 1st – 31st March 2024
• January 2024 spend: Bonus credited 1st – 30th April 2024

Citi Miles on the Citi PremierMiles card and Citi ThankYou Points on the Citi Prestige card never expire, as long as your card account remains active.

Terms and conditions

Full terms and conditions for this bonus miles offer are available at the Citi website:

 Citi PM 4 mpd FCY Spend Promo
 Citi Prestige 4.5 mpd FCY Spend Promo

Citi is offering its PremierMiles and Prestige cardholders an additional 2 mpd or 2.5 mpd on up to S$5,000 of in-person overseas spend each month during November 2023, December 2023 and January 2024, subject to successful registration for the promotion by SMS.

You’ll need to spend S$5,000+ (Citi PM) or S$8,000+ (Citi Prestige) in each of the calendar months you wish to participate, but this can include spend in the bonus categories.

In the case of the “Prestige” card, an odd 3,000 customer upper cap applies.

For full details of the Citi PremierMiles and Citi Prestige cards, see our recent comprehensive reviews.

(Cover Photo: Kevin Hackert)