When it comes to choosing a Citi credit card in Singapore, the options can feel overwhelming.
Citi has built a strong reputation with three standout options: the Citi PremierMiles Card, Citi Prestige Card, and Citi Rewards Card. Each of these Citi miles credit cards cater to a specific lifestyle — whether you’re chasing KrisFlyer miles, luxury perks, or everyday rewards.
That said, not everyone values miles and lounge access. We’ll be adding YouTrip, a multi-currency travel card, as an alternative for competitive exchange rates and zero FX fees, if stretching your travel dollar is more important than premium perks.
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📚 Table of Contents:
- ⚡ TL;DR
- Overview: Citi PremierMiles vs. Citi Prestige vs. Citi Rewards Card
- Citi PremierMiles Card
- Citi Prestige Card
- Citi Rewards Card
- YouTrip: The Best Alternative for Travellers
- Choosing your Best Citi Miles Credit Card
- Citi Miles Credit Cards FAQs
⚡ TL;DR:
- Citi PremierMiles Card – Best overall for frequent flyers, with strong miles earn rates and solid travel perks.
- Citi Prestige Card – Ideal if you value luxury, with premium benefits and exclusive privileges.
- Citi Rewards Card – Great for everyday spending and online shopping, with fast-accumulating points you can redeem for rewards.
- YouTrip –Zero foreign transaction fees, competitive exchange rates, and full flexibility over your spending.
Overview: Citi PremierMiles vs. Citi Prestige vs. Citi Rewards Card
| Features | Citi PremierMiles Card | Citi Prestige Card | Citi Rewards Card |
| Best for | Frequent travellers & mile chasers | High-net-worth individuals seeking luxury | Everyday spenders & online shoppers |
| Annual Fee (incl. GST) | S$196.20 (often waived 1st year) | S$598 (rarely waived) | S$196.20 (often waived 1st year) |
| Local Miles Earn Rate | 1.2 miles/S$1 | 1.3 miles/S$1 | 1X ThankYou Point/S$1 (0.4 miles) |
| Overseas Miles Earn Rate | 2 miles/S$1 | 2 miles/S$1 | 1X ThankYou Point/S$1 (0.4 miles) |
| Accelerated Points | 10 miles/S$1 on Agoda, Expedia, Kaligo | None specific | 10X ThankYou Points (4 miles/S$1) on online shopping & department stores |
| Lounge Access | 2 Priority Pass visits/year | Unlimited Priority Pass access for cardholder + 1 guest | None |
| Travel Insurance | Complimentary (when full fare charged) | Comprehensive coverage | None |
| Hotel Benefits | None | 4th night free at any hotel booked via concierge | None |
| Concierge Services | No | Yes, 24/7 | No |
| Limousine Transfers | No | Complimentary airport transfers (based on spend) | No |
| Miles Expiry | Never | Never | ThankYou Points eaned expire 60 months from the card’s approval date. |
| Cons | Limited lounge visits | High annual fee | Limited travel perks, bonus points capped |
📖 Related guide: Revolut Singapore (2025): The Ultimate Guide To The Revolut Card, Account & Fees
Citi PremierMiles Card
Best for frequent flyers and everyday mile collectors.
Image Credits: Bankmeister
Key Features:
- Earn 1.2 Citi Miles per S$1 local spend
- Earn 2.2 Citi Miles per S$1 overseas spend
- Earn up to 10 Citi Miles per S$1 on selected online travel bookings
- Citi Miles never expire
👉Citi PremierMIles Lounge Access:
Enjoy 2 complimentary Priority Pass lounge visits per year at over 1,300 airports worldwide. Extra visits are chargeable.
👉Citi PremierMIles Travel Insurance:
When you charge your full travel fare to the card, you get complimentary travel insurance (including personal accident, medical coverage, delays, and baggage loss).
👉Citi PremierMIles Annual Fee
- S$196.20 (incl. 9% GST)
- Often waived for the first year
- Option to pay the fee to receive bonus miles
👉Citi PremierMIles Exclusion
No miles for:
- Government, education, insurance, and medical payments
- Utilities, EZ-Link auto top-ups
- Charitable donations & cash advances
👉Eligibility
- Min. income S$30,000 (Singaporean/PR) or S$42,000 (Foreigners) a year
- Above 21 years old
📖 Explore next: Discover the Best Miles Credit Card in Singapore (2025): The Ultimate Guide
Citi Prestige Card
For high-net-worth individuals and frequent travellers who want premium perks, luxury hotel benefits, and unlimited lounge access.
Image Credits: The Shutterwhale
Key Features:
- Earn 1.3 miles per S$1 local spend
- Earn 2 miles per S$1 overseas spend
- Complimentary 4th night free at hotels
- Personal concierge services
👉Citi Prestige Lounge Access:
Unlike PremierMiles, Prestige offers 12 complimentary lounge access per year via Priority Pass.
👉Citi Prestige Travel Insurance:
Comprehensive travel insurance covering flight accidents, medical expenses, travel delays, and lost baggage when the full travel fare is charged to your card.
👉Citi Prestige Annual Fee
- S$598 (before GST)
- Rarely waived
- Comes with bonus miles on payment
👉Citi Prestige Card Benefits
- 12 complimentary Priority Pass lounge access per calendar year
- Complimentary 4th night free at any hotel
- Limousine transfers (based on spending)
- Access to exclusive golf courses
- Anniversary bonus miles
👉 Eligibility
- Min. annual income of S$120,000
- 21 years old or older
📖 Explore next: DBS Multi-Currency Account (MCA) Guide 2025: Features, Exchange Rates, Fees
Citi Rewards Card
The Citi Rewards Card is the go-to option for everyday spenders and online shoppers who want to rack up points quickly and redeem them for miles, vouchers, or cash rebates.
Image Credits: Singsaver
Key features:
- 10X ThankYou Points (4 miles) per S$1 on online shopping & department stores
- 1X ThankYou Point (0.4 miles) per S$1 on all other categories
- Points are convertible to KrisFlyer Miles, Asia Miles, and more
- Flexible redemption options for vouchers, merchandise, or cash rebates
👉 Citi Rewards Card Benefits
- High points earn rate for online shopping and department store purchases
- Flexible redemption options (miles, vouchers, or cashback)
- Lower annual fee
👉 Citi Rewards Miles
- Earn 4 miles per S$1 (10X points) on eligible categories
- Can supplement other miles-earning cards like Citi PremierMiles for online purchases
👉Citi Rewards Exclusion
- Payments to educational institutions and government services
- Utilities, medical services, and insurance premiums
- EZ-Link auto top-ups, charitable donations, and cash advances
- Certain specific merchants or transaction types may also be excluded
👉Eligibility
- Above 21 years old
- Min. income S$30,000 (Singaporean/PR) or S$42,000 (Foreigners) a year
📖 For more information: YouTrip Vs Wise Card Comparison Guide
YouTrip: The Best Alternative for Travellers
While Citi’s credit cards are great for miles collectors, they come with annual fees, exclusions, and foreign transaction fees that can eat into your savings. That’s where YouTrip stands out.
Why YouTrip is the smarter alternative:
- 0% foreign transaction fees – save up to 3.25% per overseas transaction compared to credit cards.
- Real-time wholesale exchange rates in 150+ countries
- Lock in & exchange 12 popular currencies in-app
- No annual fee or hidden charges
- Instant top-ups via PayNow or a Linked Bank Account (eGIRO) for convenience
- Travel flexibility – use it for everything from flights to online shopping, without worrying about excluded categories.
👉Best for: Travellers who value cash savings and flexibility more than miles or luxury perks. Many frequent flyers even carry both: a Citi card for miles, and YouTrip for everyday overseas spend.
📖 Further reading: Read all about the Best Multi-Currency Cards In Singapore (2025): A Full Comparison Guide
Choosing The Best Citi Miles Credit Cards:
- Frequent travellers (~S$30k income): Citi PremierMiles Card for affordable miles, travel insurance, and lounge access.
- Luxury seekers (~S$120k income): Citi Prestige Card for unlimited lounges, 4th-night free hotels, and concierge.
- Online shoppers (~S$30k income): Citi Rewards Card for accelerated points convertible to miles.
- Savings-oriented travellers: YouTrip card, the best non-credit card option, for competitive exchange rates and 0% overseas fees.
📖 Also check out: CashChanger.co Vs YouTrip: Where To Get The Best Exchange Rate In Singapore?
Citi Miles Credit Cards FAQs:
Q: How Do I Convert Citi Miles to KrisFlyer Miles?
- Log in to Citi Online Banking / Citi Mobile App
- Go to “Rewards / Miles” section
- Select Singapore Airlines KrisFlyer
- Convert (1 Citi Mile = 1 KrisFlyer Mile)
- Transfers take a few days; conversion fee applies
Q: What is Citi PremierMiles good for?
Frequent travellers who want miles that don’t expire, lounge access, and insurance perks.
Q: What is the benefit of Citi PremierMiles Credit Card?
Strong earn rates, lounge visits, free travel insurance, and no-expiry miles.
Q: What is the minimum income for Citi Prestige Card?
S$120K/year (locals) or S$180K/year (foreigners).
Q: What is the difference between Prestige and PremierMiles?
Prestige = premium perks (unlimited lounges, concierge, hotel nights). PremierMiles = lower fee, still good for travellers.
Q: What are Citi Rewards Card points good for?
Great for online shopping (10X points = 4 miles per S$1). Convert to miles, vouchers, or cashback.
Q: Do Citi PremierMiles expire?
No, Citi Miles never expire.
📖 Also check out: Trust Bank Singapore Guide: Credit Card & Cashback Card Review (2025)
Ready to Try YouTrip?
Find a card that suits your needs best — whether you’re looking for the best rates in town or one with zero fees.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and 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!
Happy travels!
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