Find out if the Citi PremierMiles Card is right for you 👇
The Citi PremierMiles Card is one of Singapore’s most established miles credit cards — often recommended as a starter travel card for Singaporeans earning S$30,000 and above. It earns 1.2 miles per S$1 locally and 2.2 miles per S$1 overseas, with Citi Miles that never expire and 11 airline and hotel transfer partners.
In this 2026 review, we break down what the Citi PremierMiles card is, how much the annual fee really costs, whether the 30,000 miles welcome bonus is worth paying for, and how it compares against popular alternatives like UOB PRVI Miles and Citi Rewards.
We’ll also cover an increasingly important question for Singaporean travellers: when does it make sense to use a miles credit card like Citi PremierMiles — and when is a fee-free multi-currency card like YouTrip the smarter option overseas?
If you want a clear answer on whether Citi PremierMiles still deserves a spot in your wallet in 2026, you’re in the right place.
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⚡ TL;DR: Citi PremierMiles Card at a Glance
| Feature | Citi PremierMiles Card |
|---|---|
| What is it? | Entry-level miles credit card for Singapore travellers |
| Minimum income | S$30,000 (SG/PR), S$42,000 (Foreigner) |
| Annual fee | S$196.20 (incl. GST) |
| First-year fee waiver | Optional (lower bonus if waived) |
| Local earn rate | 1.2 miles per S$1 |
| Overseas earn rate | 2.2 miles per S$1 |
| Bonus Miles | Up to 10 mpd via Kaligo; up to 7.2 mpd via Agoda |
| Miles expiry | Never expire |
| Welcome bonus | Up to 30,000 Citi Miles (S$800 spend) |
| Lounge access | 2 Priority Pass visits per year |
| Foreign transaction fee | 3.25% |
| Transfer partners | 11 airline & hotel programs |
| Best for | Long-term miles accumulation with no expiry |
| Not ideal for | Fee-free overseas spending |
💡 Quick takeaway: Citi PremierMiles is excellent for accumulating miles over time, but pairing it with a fee-free multi-currency card like YouTrip can significantly reduce FX costs when spending overseas.
📚 Table of Contents:
- What is the Citi PremierMiles Card?
- Annual Fee & Waivers
- Citi PremierMiles Earn Rates
- Welcome & Bonus Miles
- Priority Pass & Lounge Access
- Travel Insurance
- Foreign Transaction Fee
- Transfer Partners
- Citi PremierMiles Pros & Cons
- Citi PremierMiles vs Citi Rewards vs UOB PRVI Miles
- Final Verdict
- FAQs
What is the Citi PremierMiles Card?
Image credits: Turtle Investor
The Citi PremierMiles Card is a travel-focused credit card issued by Citibank Singapore that earns Citi Miles on everyday spending. These miles can be transferred at a 1:1 ratio to 11 airline and hotel loyalty programs, including Singapore Airlines KrisFlyer.
Unlike many airline miles, Citi Miles never expire, making the card suitable for travellers who accumulate miles gradually.
Key positioning:
- Entry-level miles card for Singaporeans
- Uncapped miles earning
- Simple earn rates with no bonus categories to track
- New upgraded Mastercard World Select tier (December 2025)
Who it’s for:
- Occasional to moderate travellers
- Those who value non-expiring miles
- Cardholders who prefer predictable earnings over optimisation
📖 Related guide: Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards
Citi PremierMiles Annual Fee
The Citi PremierMiles annual fee is S$196.20 (inclusive of GST).
Supplementary cards:
- Unlimited supplementary cards
- No additional fee
Annual Fee Renewal Benefit
Each renewal year, paying the annual fee earns 10,000 Citi Miles.
- Cost per mile: ~1.96 cents
- Reasonable value for travellers redeeming premium cabins
Annual Fee Waiver Options
New-to-Bank Customers
Option 1: Pay Annual Fee (Recommended)
- Pay S$196.20
- Earn 30,000 bonus miles with S$800 spend
- Effective cost: ~0.65 cents per mile
Option 2: Fee Waiver
- First-year fee waived
- Only 8,000 bonus miles
- Lower overall value
Most Singapore travellers maximise value by paying the fee.
Existing Cardholders
- Fee waivers may be granted at Citi’s discretion
- If not waived, paying the fee still earns 10,000 miles
🧠 Travellers who prefer a multi-currency travel wallet without any foreign transaction fees and annual fees, and competitive exchange rates might find YouTrip to be a simpler, more flexible companion overseas.
📖 Related guide: Best Singapore Credit Card For Overseas Spending
Citi PremierMiles Earn Rates
Base Earn Rates
- 1.2 mpd on all local SGD spending
- 2.2 mpd on all foreign-currency spending (enhanced in 2024)
Miles are calculated per S$1 spent, not rounded to blocks.
Bonus Earn Rates (Valid until 31 Dec 2025)
- Kaligo hotels: 10 mpd
- Citi x Agoda: Up to 7.2 mpd (FCY)
Excluded Categories
- E-wallet top-ups (including YouTrip)
- Government payments
- Insurance, education fees
- Cash advances, bill payments
Is There a Citi PremierMiles Miles Cap?
No. Citi PremierMiles has no earning cap.
You can earn unlimited miles at:
- 1.2 mpd locally
- 2.2 mpd overseas
This makes it suitable for higher spenders who exceed caps on other cards.
Citi PremierMiles Miles Expiry
Citi Miles never expire while your card remains active.
Once transferred to airline programs, miles follow that program’s expiry rules.
Best practice is to transfer only when ready to book.
📖 Related guide: HSBC TravelOne Card: Guide to Fees, Miles & Benefits
Citi PremierMiles Welcome & Bonus Miles
Welcome Bonus (Valid until 28 Feb 2026)
- Up to 30,000 miles
- S$800 minimum spend in the first 2 months
- Annual fee must be paid (for 30,000 miles option)
Annual Renewal
- 10,000 miles each year upon fee payment
Citi PremierMiles Priority Pass & Lounge Access
- 2 complimentary Priority Pass visits per calendar year
- Principal cardholder only
- Guests count toward the visit quota
- Additional visits: US$35 per person
Citi PremierMiles Travel Insurance
- Coverage up to S$1,000,000
- Activated when travel is charged to the card
- Current policy ends 31 March 2026
- Always check the latest terms before travel
Citi PremierMiles Foreign Transaction Fee
3.25% FX fee on foreign-currency transactions. While overseas spending earns 2.2 mpd, the FX fee adds cost.
🧠 For Singaporeans who travel frequently, YouTrip’s zero FX fees and multi-currency wallets can offer more value when paying abroad.
📖 Related guide: Best Miles Credit Card in Singapore For Overseas Spending
Citi PremierMiles Transfer Partners
11 partners (10 airlines + 1 hotel), all at 1:1 ratio, including:
- Singapore Airlines KrisFlyer
- Cathay Pacific Asia Miles
- British Airways Avios
- Qatar Airways Privilege Club
- Emirates Skywards
- IHG One Rewards
Transfer fee: S$27.25 per transfer
Minimum: 10,000 miles
📖 Related guide: HSBC Premier Mastercard Singapore: Benefits, Eligibility, Rewards
Citi PremierMiles vs Citi Rewards vs UOB PRVI Miles
| Feature | Citi PremierMiles | Citi Rewards | UOB PRVI Miles |
|---|---|---|---|
| Best for | Non-expiring miles | Flexibility | Maximum overseas earn |
| Local earn | 1.2 mpd | 1-4 mpd (categories) | 1.4 mpd |
| Overseas earn | 2.2 mpd | 0.8-1.6 mpd | 2.4 mpd |
| Miles expiry | Never | Never | 24 months |
| Welcome bonus | 30,000 miles | 10,000 points | 25,000 miles |
| Transfer fee | S$27.25 | S$32.10 | Free |
| Lounge visits | 2/year | None | 4/year |
- Citi PremierMiles: Best for non-expiring miles and simplicity
- Citi Rewards: More flexible redemptions, bonus categories
- UOB PRVI Miles: Higher earn rates, but miles expire after 24 months
Many power users combine cards depending on the spend type.
📖 Related guide: DBS Woman’s World Card: Miles, Features & Perks Explained
Citi PremierMiles Card Pros & Cons
✅ Pros
- Miles never expire
- No earning cap (1.2 mpd local, 2.2 mpd overseas)
- Low entry (S$30K income)
- 30K miles welcome bonus (S$800 spend)
- 11 airline & hotel partners (1:1)
- Simple flat earn rates
- 2 Priority Pass lounge visits
- Free supplementary cards
- S$1 spend earns miles
- 10K miles yearly renewal bonus
❌ Cons
- Earn rates not market-leading
- 3.25% FX fee (fee-free cards exist like YouTrip)
- S$27.25 transfer fee
- No points pooling with other Citi cards
- Only 2 lounge visits
- Travel insurance ends Mar 2026
- 10K miles transfer minimum
- Annual fee S$196.20
- No bonus categories
- Citi PayAll is costly (2.6%)
📖 Related guide: OCBC Multi-Currency Account Guide: OCBC Global Savings Account (2025)
Final Verdict: Should You Get a Citi PremierMiles Card?
The Citi PremierMiles Card is not the highest-earning miles card in Singapore — but it is one of the most reliable.
Its real strength lies in:
- Non-expiring miles
- Uncapped earning
- Simple, predictable rewards
- Low entry income requirement
For Singaporeans who travel a few times a year and want long-term flexibility, it remains a solid choice. Pairing it with a fee-free multi-currency card like YouTrip helps optimise overseas spending while keeping miles accumulation intact.
Verdict: A dependable miles card for patient accumulators who value simplicity over maximum optimisation.
📚 Read next: Check out our guide to the best multi-currency cards for the biggest savings here
The Smarter Alternative for Travel
Looking for a simpler, fee-free solution for overseas spending? YouTrip provides a modern, multi-currency alternative that eliminates FX fees, hidden markups, and annual fees — making it a practical choice for Singaporeans travelling abroad in 2025.
Not on YouTrip yet? Get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Bon voyage!
FAQs:
Q: Is the Citi PremierMiles card worth it?
A: Yes, for travellers who value non-expiring miles and straightforward earning.
Q: Do Citi PremierMiles miles expire?
A: No, Citi Miles never expire.
Q: Does Citi PremierMiles charge foreign transaction fees?
A: Yes, 3.25% on foreign-currency spending.
Q: How many lounge visits do I get?
A: 2 Priority Pass visits per year.
Q: Can I transfer Citi Miles to KrisFlyer?
A: Yes, at a 1:1 ratio.
Q: Is there a miles cap?
A: No, earning is uncapped.
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