Here’s our review of the Citi PremierMiles credit card issued in Singapore. It forms part of our series of credit card reviews, which are all summarised on our dedicated Credit Cards page.

Dollar amounts refer to SGD, and ‘miles’ refer to KrisFlyer miles, except where stated. This review was updated on 23rd August 2025.

With an impressive list of 11 frequent flyer and hotel loyalty transfer partners, a low income requirement, generous sign-up bonuses and complimentary lounge access, we think the Citi PremierMiles card is a good addition to your wallet, even though slightly better earn rates are now largely available elsewhere.

Let’s take a look at the details.

Pros	Cons
Generous sign-up bonus Earn miles for transactions from $1.00 Citi Miles never expire 11 transfer partners 2 free lounge visits per year Regular bonus miles promotions	Citi Miles don’t pool with other Citi cards 10,000-mile transfer blocks Earn rates are better with comparable cards

The Citi PremierMiles card was originally part of the Visa network, but newly issued card accounts from April 2020 switched across to the Mastercard network.

If you apply for a new PremierMiles card now, you’ll receive a Mastercard version.

If you are holding a Citi PM Visa card, it will be replaced by a Visa version at your next renewal (or if lost or stolen in the meantime), unless you expressly consent to switch to the Mastercard version, which Citi may or may not ask you to do.

Benefits and almost all terms and conditions remain the same between the two cards, and if you switch from Visa to Mastercard, any Citi Miles accrued will be transferred automatically to the new card.

Historically, Citi also offered an American Express version of the PremierMiles card, but this was discontinued in 2019.

• Minimum Age: 21
• Minimum Income (Singaporean / PR): $30,000/yr
• Minimum Income (Non-Singaporean / PR): $42,000/yr

The Citi PremierMiles card has an annual income requirement of $30,000 for most applicants, an accessible entry-level threshold for Singaporeans and Permanent Residents, making it widely accessible.

• Annual Fee (principal): $196.20 (first year free option also available)
• Annual Fee (supplementary): Free

The annual fee for the Citi PremierMiles card is $196.20. An unlimited number of supplementary cards on your account are free of charge.

There is currently an option to waive the annual fee and hold this card free for the first year, but this means you won’t be eligible for the main sign-up bonus, and will get a smaller one instead.

Often it’s therefore actually worth paying this fee upfront in year one, depending on the sign-up deal offered at the time.

You’ll also receive a 10,000 miles bonus on renewal (i.e. paying 1.96 cents per mile), on payment of the annual fee each year.

Other fees and interest rates for the Citi PremierMiles include:

• EIR: 27.9%
• Interest-free period: 21 days
• Minimum payment: 1% of balance, capped at S$50 (or current balance if < $50)
• Late payment fee: $100
• Cash advance fee: 6% (minimum $15)
• Overlimit fee: $40

You can always request an annual fee waiver on renewal with this card, which then is at Citi’s discretion.

If your request is successful and the fee is waived, you will not receive the 10,000 Citi Miles bonus, but all other card perks are retained.

The Citi PremierMiles card earns:

• 1.2 mpd for local spend (i.e. transacted in SGD)
• 2.2 mpd for overseas spend (i.e. transacted in foreign currency)

The 2.2 mpd rate for overseas spend is a relatively recent increase from 2 mpd, which took effect from 12th September 2024.

Here’s how the earn rates compare to some other general spend cards with similar income requirements on the market in Singapore.

Earn rates (general spend cards)
(Best to worst, August 2025)

Card	Local Spend	FCY Spend
BOC EM	1.4 mpd	2.8 mpd
UOB PRVI Miles	1.4 mpd	2.4 mpd
DBS Altitude	1.3 mpd	2.2 mpd
OCBC 90oN	1.3 mpd	2.1 mpd
HSBC T1	1.2 mpd	2.4 mpd
Citi PM	1.2 mpd	2.2 mpd
Journey Card	1.2 mpd	2 mpd
KF Ascend	1.2 mpd	1.2 mpd
KrisFlyer UOB	1.2 mpd	1.2 mpd
KF Blue	1.1 mpd	1.2 mpd

Citi occasionally offers its PremierMiles cardholders the opportunity to earn bonus rates for specific spend categories. Recent examples include:

• November 2023 – January 2024: 4 mpd on the first S$5,000 of in-person FCY spend per month using your card, subject to a min. spend of S$5,000 in the same month (any spend)
• November – December 2021: 3 mpd on travel spend in SGD, capped at S$2,000 per month, subject to a min. spend of S$2,000 in the same month (any spend)
• March – August 2021: Uncapped 4 mpd on Food Delivery and Home Entertainment spend
• November – December 2020: Up to 4 mpd on all online spend, dining, clothing and electronics transactions, capped at $10,000 (40,000 miles)
• May – June 2020: Up to 4 mpd on selected spend, capped at $1,000 (4,000 miles)
• September – December 2019: Uncapped 1.5 mpd on local spend

While it’s certainly not guaranteed, and offers have been less frequent recently, you should certainly be able to expect one or two bonus miles earning opportunities each year with this card.

While many of these deals are no better than you can get with other 4 mpd cards year-round, the benefit here is being able to divert spend away from those cards and onto the Citi PremierMiles card during the promotion itself, to free up the monthly caps on 4 mpd cards and maximise your miles earning for a month or two.

The Citi PremierMiles card has two bonus miles earning rates for hotel bookings via online travel agents.

• 10 miles per $1 spend on hotel bookings at Kaligo.com. This can be a very nice miles top-up with no upper cap if you can find a competitive rate. The bonus is credited immediately on making payment. See full T&Cs.

• Up to 7.2 miles per $1 spent on pre-paid hotel stays with Agoda. The bonus is credited within two months of departure from the hotel. See full T&Cs.

Kaligo and Agoda deals work by sharing some of the commission they receive for each hotel booking with you in the form of miles. Since a ‘middle man’ is involved, it often means paying more than the best available rate for the stay.

You can therefore be getting anything from a terrible deal (buying miles well in excess of 2 cents each), a good deal (buying miles at closer to 1 cent each), or an excellent deal (when Kaligo or Agoda practically matches the best available rate, but still awards miles).

The key thing to remember is to make sure you do the maths before committing.

While both of these deals technically have end dates, they always seem to be renewed each year and can therefore be considered long-term year-round offers.

Historically, Citi has offered occasional ‘spend and get’ miles deals – which allowed you to buy miles at competitive rates, by meeting a spend threshold and on payment of a fee for the bonus miles.

Unfortunately these haven’t made a comeback since the COVID-19 pandemic hit, but for reference here are the example deals, which could potentially be offered again in future:

• January – March 2020: Buy 53,200 miles for $515 (0.97 cents each)
• February – March 2019: Buy 28,223 miles for $288 (1.02 cents each)
• July- August 2017: Buy 31,200 miles for $238 (0.76 cents each)

These promotions were great opportunities to boost your miles at a competitive cost, provided you could meet the spend threshold during the promotional period. Here’s hoping they make a comeback.

The Citi PremierMiles card is one of the few general spend cards on the market in Singapore that throws in some complimentary lounge visits each year.

This takes the form of a Priority Pass membership, with two complimentary entries in each calendar year. Subsequent entries in the same calendar year are charged at US$35.

Over 1,600 lounges are included in the programme, including all the usual third-party options at Singapore Changi Airport. You can search the full lounge list here.

There are also a variety of non-lounge Priority Pass options, including bars, restaurants and spas, at airports including Singapore Changi.

You get two lounge visits every year, regardless of whether you pay the card’s annual fee, or achieve a fee waiver.

Only principal cardholders are eligible, but you can guest someone into the lounge if you wish, by using your second complimentary entry, or by paying the entry fee.

For example if you took a solo trip in June and accessed a Priority Pass lounge using this membership, then travelled with your partner (non Priority Pass member) in November that year, you would be eligible for free entry on that second visit, but you would have to pay US$35 for your partner to use the lounge.

On other hand if you skipped the lounge in June, both you and your partner would be eligible for complimentary access in November, though this would then use up both of your visits for that year until they reset with a fresh two in your account on 1st January the following year.

Once you’re a cardholder, you’ll have to register online for instant Priority Pass membership via the Citi Mobile app and Priority Pass phone app, by following the instructions provided at the following links:

• Citi PM Mastercard PP membership application
• Citi PM Visa PP membership application

Full terms and conditions are also available at those links.

Check out our full rundown of Singapore credit cards with lounge access benefits to see some of the More generous options available if lounge access is an important benefit for you.

There are a few other perks with the Citi PremierMiles card, the key benefits which will be of most interest to our readers are:

• Complimentary travel insurance until 31st March 2026 when you pay for your round-trip air ticket, or pay the taxes and fees on an award redemption ticket, using your Citi PM card. The complimentary travel insurance will be underwritten by HL Assurance Pte Ltd (policy terms here).
• Citi World Privileges, available to all Citi cardholders.
• Up to 14% year-round fuel savings at Shell (currently hiked to 19%).

Citi is currently offering a competitive sign-up bonus miles offer for the PremierMiles card, allowing you to score 30,000 bonus miles plus a S$100 Trip.com gift card with payment of the annual fee and a minimum spend of only $800 in the first two months, for applications through to the end of September 2025.

This excellent deal is the equivalent of buying miles for just 0.65 cents each, a highly competitive rate, provided you have a relatively modest spend coming up in the next few months.

To be eligible, you’ll have to be a new-to-bank customer who therefore isn’t currently a primary Citi credit card holder, or you must have cancelled your last card with the bank more than 12 months ago.

30,000 bonus miles when you spend

  APPLY HERE

Full details for this offer are available in our dedicated article here.

Citi maintains a list of merchants and / or MCC codes which will not earn Citi Miles 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.

Good news is that the Citi PremierMiles card does earn 1.2 mpd for CardUp and ipaymy transactions.

No, instead of being credited miles directly you’ll accrue ‘Citi Miles’ for your regular spending on this card.

These transfer to KrisFlyer miles at a 1:1 ratio (so for $25,000 of local spending, you’ll net 30,000 Citi Miles, which can be converted to 30,000 KrisFlyer miles).

Citi Miles should reflect in your account once the transaction posts, which typically takes anywhere between one and three days.

You won’t have to wait until your monthly statement for the Citi Miles to be added, so if you’re making a purchase to achieve a short-term top-up they should be available to you within a few days.

Here’s a plus – Citi Miles never expire as long as your card account remains active, so unless you have an urgent or specific redemption need, there should be no harm in letting them accumulate.

Indeed this is a great benefit of this card, given Citi’s extensive FFP partner list (see below) you are effectively protecting yourself from devaluation in a single programme by retaining the flexibility of keeping your miles at the Citi side, until you need to make a redemption.

If your preferred FFP suffers a sudden devaluation (they do happen), at least you then still have the flexibility to transfer your miles to another programme instead and still achieve good value from your hard-earned stash.

Not all credit card rewards programmes are flawless, and our primary gripe with Citi is its inability to consolidate points across your cards, preventing you from making a single, accumulated transfer to your preferred frequent flyer programme.

For example, if you have 30,000 Citi Miles on your Citi PremierMiles card and 75,000 Citi ThankYou Points on your Citi Rewards card (worth 30,000 miles), you won’t have the option to transfer those two amounts into 60,000 KrisFlyer miles.

Instead, will have to pay the transfer fee for each card (i.e. twice in this example).

It also means you have to transfer all your points into miles before cancelling any Citi cards you hold, since you generally won’t be allowed to combined them with those accumulated on other Citi cards.

It’s the same for all 11 transfer partners which are part of the programme, $27.25 each time you transfer Citi Miles to airline miles (like KrisFlyer miles).

This is the annoying fee you are being hit with for any transfer from each of your Citi cards, as explained above.

Yes, since March 2017 the minimum amount of Citi Miles you can transfer into airline miles is 10,000, and they must then be in subsequent blocks of 10,000. Previously, much more flexible 500-mile block transfers were possible.

For example, if you have 99,999 Citi Miles but don’t have time to make a small purchase to round up the balance (purchases typically reflect in your account within three days), you’ll only be able to transfer 90,000 miles to KrisFlyer or your preferred FFP, leaving 9,999 miles in your Citi Miles account.

One of the best things about Citi Miles in Singapore is the wide range of transfer partners compared with other bank loyalty points.

You can transfer your miles into 10 different frequent flyer programmes (FFPs), plus into IHG points on the hotel loyalty side.

Here’s how Citi compares to other banks in Singapore.

Singapore credit card transfer list
to FFP and hotel partners

Citi Miles transfer at the same 1:1 ratio into all these programmes, giving you a wide range of flight redemption options including Oneworld and SkyTeam carriers.

Since Citi Miles never expire and also transfer to most FFPs relatively quickly, there’s no rush to commit to a specific programme nor transfer regularly.

Simply transfer when you need to travel, into the scheme that works best for your preferred redemption.

The official line is “up to 14 working days”. In reality the last few times we converted, it took 24-48 hours on each occasion. Here are our recent data points for transfer times from Citi:

• KrisFlyer: 24 hours (48 hours for transfers initiated on a Sunday)
• Asia Miles: 2 days
• BA Avios: 2 days
• Qatar Avios: 4 days

That’s not a bad turnaround, especially if you are looking to jump on a flight redemption that’s currently available.

Since Avios can be transferred instantly and fee-free between the BA Executive Club and the Qatar Privilege Club (as long as you have accounts with both programmes and have linked them), it’s more efficient to transfer from Citi to BA Avios first.

Even if you plan to use the Avios in the Qatar programme, this approach is faster due to Citi’s quicker conversion to BA Avios – just 2 days rather than 4 days as you can see above.

That’s not the only benefit, however.

British Airways offers a ‘Balance Boost’ deal for Avios accrued in its programme via various means, including credit card points transfers from Citi.

This allows you to double, triple or quadruple your original transfer once it has landed in your British Airways account, at a cost of only from 1.53 Singapore cents per mile – very useful if you’re short of miles for a specific redemption.

After you have done this, you can still transfer the Avios into your Qatar Airways account if you wish, but you must boost them at the BA side first.

Qatar Airways has its own boost programme for credit card points transfers, but it’s much more expensive, as we recently covered here.

Since October 2021, it’s become possible to link your Citi Miles and KrisPay account and instantly transfer as little as 4,000 miles into KrisPay miles via the Kris+ app.

The transfer ratio is 4,000:3,400 (e.g. 4,000 Citi Miles = 3,400 KrisPay miles)

You won’t want to be using the converted KrisPay miles against Kris+ merchant purchases, due to the poor value of 1 cent per mile, but you can immediately transfer them 1:1 into your KrisFlyer account as KrisFlyer miles.

As you’ll notice the ratio means taking a 15% ‘hit’ on the usual 1:1 Citi Miles to KrisFlyer transfer rate, so this should only of interest if you need a small amount to meet a specific redemption threshold, or have a small balance ‘stuck’ in Citi Miles (less than 10,000), which you aren’t going to be adding to in future, or you’re desperate for an immediate transfer.

You shouldn’t be using this as your regular Citi Miles to KrisFlyer transfer method, as it effectively devalues your miles earning rate to 1.02 mpd for local transactions, or 1.87 mpd for FCY transactions.

There are important factors to be aware of, firstly you’ll have to move any points transferred from Citi to KrisPay into KrisFlyer miles within 21 days, otherwise they are stuck in KrisPay (where you definitely don’t want them).

The second is just as important, you cannot use any of the KrisPay miles you have earned from your Citi Miles transfer for any Kris+ purchase, no matter how small, as that automatically renders the entire transfer stuck in Kris+ until expiry, six months later.

The golden rule therefore is to transfer in to KrisPay miles via Kris+, then transfer straight out to KrisFlyer. Even with that seven-day window available, our advice is don’t wait.

Every eligible transaction you make using the Citi PremierMiles card is rounded down to the nearest Singapore dollar (after conversion from foreign currency, if applicable), before Citi Miles are then assessed.

Example:

• $21.49 rounds down to $21
• $21.99 rounds down to $21

The appropriate multiplier of Citi Miles is then applied to the transaction, depending on its nature, then rounded to the nearest whole mile.

Example (regular earn rate):

• $21 x 1.2 (local) = 25.2 Miles (rounds to 25 Miles)
• $21 x 2.0 (overseas) = 42 Miles

Since every amount you spend is rounded down to the nearest dollar before Citi Miles are accounted for, $1.00 is the minimum transaction amount in order to earn points, or its equivalent in foreign currency for overseas spend.

This is a nice perk for Citi cards, with UOB, OCBC and Maybank using the annoying $5 rounding method, where even a $4.99 transaction earns no rewards or miles at all!

No such worries with the Citi PremierMiles card, and one reason the UOB PRVI Miles option isn’t significantly better, despite a higher headline earning rate (1.4 mpd), when it comes to smaller transactions.

The Citi PremierMiles card has a 3.25% foreign currency transaction fee, which is among the highest on the market in Singapore.

With a relatively standard regular overseas earn rate of 2.2 mpd, that means it’s certainly not the best card to use as it is equivalent to paying 1.56 cents per mile when spending in foreign currency.

There are better cards than that for overseas spend, and you should be looking at the Standard Chartered Visa Infinite or UOB PRVI Miles for much better rates, not just in cost per mile terms but miles per dollar too.

Cost per mile on overseas transactions (general spend cards)
(Best to worst, August 2025)

Card	Fee	Mpd	Cost per mile
BOC EM	3%	2.8	1.14¢
Maybank Horizon Visa	3.25%	2.8*	1.22¢*
SCVI	3.5%	3.0**	1.22¢**
HSBC T1	3.25%	2.4	1.43¢
UOB PRVI Miles	3.25%	2.4	1.43¢
DBS Altitude Amex	3.0%	2.2	1.45¢
HSBC VI	2.8%	2.0	1.50¢
Citi PM	3.25%	2.2	1.56¢
DBS Altitude Visa	3.25%	2.2	1.56¢
OCBC Voyage	3.25%	2.2	1.56¢
KF Ascend (Jun & Dec)	2.95%	2.0	1.57¢
OCBC 90oN	3.25%	2.1	1.63¢
Journey Card	3.5%	2.0	1.83¢
KrisFlyer UOB	3.25%	1.2	2.86¢

* 2.8 mpd earn rate for the Maybank HVS subject to a min. spend of S$800 (any currency) in the same calendar month.
** 3 mpd earn rate for the SCVI card is subject to a min. spend of $2,000 (any currency) in the same statement cycle.

Cost per mile also accounts for an additional 0.3% ‘spread’ over money changer currency rates, though this doesn’t apply to all banks and all foreign currencies, so is a worst-case scenario.

If you’re holding a specialised 4 mpd card, like the DBS WWMC, you will of course be able to achieve much better cost per mile for transactions in foreign currency, provided you are spending within the card’s eligible categories and monthly spend cap.

The Citi PremierMiles card participates in the bank’s ‘PayAll’ programme, a facility allowing you to pay a fee to use your card and still earn miles on a range of payment types that would otherwise be excluded from miles earning, or not usually possible with a credit card.

At the time of writing, PayAll supports:

• Tax payments to IRAS
• Rent payments to your landlord in Singapore
• Education payments to a school or tuition centre in Singapore
• Condo Management Fees
• Electricity payments in Singapore
• Renovation fees
• Wedding Expenses
• Childcare services
• Domestic helper service fees
• Donations or charitable payments
• Utility bills

Unfortunately Citi now charges a 2.6% service fee for PayAll transactions, progressively hiked from 2% and 2.2% in recent years, so you are now ‘buying’ miles for 2.17 cents each when using your PremierMiles card at the local earn rate of 1.2 mpd for these payments.

Example, for a $4,000 rental payment:

• Total Spend: $4,000
• PayAll Fee (2.6%): $104
• Total Spent: $4,104
• Miles Earned: 4,800 (4,000 x 1.2)
• Cost per Mile: 2.17 cents ($104 / 4,800)

Thankfully, Citi PayAll still regularly runs promotions with enhanced earn rates for meeting specific spend thresholds through the payment service, which can drive the cost per mile down to more competitive levels.

Citi is currently running a promotion offering 1.8 mpd on tax payments and 1.6 mpd on non-tax payments, with a few hoops to jump through, though this does bring the cost per mile down to 1.44 – 1.63 cents each.

Nonetheless this is no longer a year-round way to generate cheap miles through regular non-credit card expenses, outside promotional periods.

Here are links to the full terms and conditions applicable to the Citi PremierMiles card.

 Citi PM Information Sheet
 Citi PM Cardmembers Agreement

One of the better general spend cards to have in your miles earning wallet, in our opinion. Even though the Citi PremierMiles card doesn’t have the best earning rates out there, the FCY rate did recently get a welcome hike to 2.2 mpd.

The ability to transfer miles into several frequent flyer schemes other than KrisFlyer is a key feature, indeed we often use Citi Miles and ThankYou Points to top up our British Airways or Qatar Airways Avios balance, which we then tend to use for Qatar Airways Qsuite, Finnair Business Class or Cathay Pacific First and Business Class redemptions, among others.

The lounge visits are minimal but potentially useful, as are occasional opportunities to earn bonus miles in certain categories, or even to buy useful volumes of ‘cheap’ miles through direct promotions or PayAll deals. There’s also a decent travel insurance coverage if you use the card to book flight tickets or pay the taxes on award redemptions.

Payment of the annual fee also makes you eligible for the top sign-up bonus, and then each year comes with 10,000 miles, the equivalent of buying the miles for 1.96 cents each, without considering any of the other perks.

Our Rating

3.5 / 5 among general spend credit cards

Citi PremierMiles Card   APPLY HERE

How we rate credit cards Best in class: A must-have for the miles earner in Singapore Excellent: A leader in its category with few if any downsides Very good: Drawbacks largely outweighed by the positive aspects Good: Useful benefits despite some poor features vs. other cards Average: Worth considering but not an essential addition to your wallet Conflicted: Some benefits but much better cards exist in the same category Poor: Few benefits worth having Very poor: Almost no benefits, not recommended Awful: Not worth considering

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