When it comes to choosing a Citi credit card in Singapore, the options can feel overwhelming.
Citibank has built a strong reputation with three standout miles credit card options. The PremierMiles is the accessible everyday miles card; the Prestige is the premium travel card for high earners; the Rewards is the lifestyle accelerator built for shoppers. This guide maps all three, so you can find the right fit and dig into the details from there.
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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Citi Miles Cards: Quick Comparison
| Features | PremierMiles | Prestige | Rewards |
|---|---|---|---|
| Annual fee | S$196.20 | S$651.82 | S$196.20 |
| Annual fee waiver | Often waived 1st year | Not waivable | Often waived 1st year |
| Est. min. income | S$30,000 p.a. | S$120,000 p.a. | S$30,000 p.a. |
| Local earn rate | 1.2 mpd | 1.3 mpd | 0.4 mpd (1X) |
| Overseas earn rate | 2.2 mpd | 2.0 mpd | 0.4 mpd (1X) |
| Accelerated earn | 10 mpd (Agoda, Expedia, Kaligo) | None | 4 mpd (online shopping & dept stores) |
| Accelerated earn cap | None | None | 9,000 bonus points/month (~S$1,000 spend) |
| Lounge access | 2 Priority Pass visits/year | 12 Priority Pass visits/year | None |
| Hotel benefit | None | 4th night free (unlimited, via concierge) | None |
| Limousine transfers | None | 2 per quarter (requires S$12,000 quarterly spend) | None |
| Miles/points expiry | Never (Citi Miles) | Never (ThankYou Points) | 5 years from card approval date |
| FX fee | 3.25% | 3.25% | 3.25% |
✈️c Travelling abroad? All three Citi cards charge a 3.25% FX fee on overseas spend. Pairing any of them with a zero-FX-fee card like YouTrip eliminates that cost entirely — no annual fee, no markup.
📚 Table of Contents:
- Citi PremierMiles Card
- Citi Prestige Card
- Citi Rewards Card
- Minimum Income Requirements
- Which Citi Miles Card Should You Get?
- Best Travel Card for Overseas Spending
- FAQ
Citi PremierMiles Card
Image Credits: Bankmeister
| Feature | Details |
|---|---|
| Annual fee | S$196.20 (incl. 9% GST) — often waived 1st year |
| Est. min. income | S$30,000 p.a. (Singapore Citizens/PRs); S$42,000 (Foreigners) |
| Local earn rate | 1.2 mpd |
| Overseas earn rate | 2.2 mpd |
| Accelerated earn | 10 mpd on Agoda, Expedia, Kaligo — uncapped |
| Lounge access | 2 Priority Pass visits/year |
| Miles expiry | Never |
| FX fee | 3.25% |
The Citi PremierMiles Card is the most straightforward miles card in the Citi lineup: consistent earn rates, no miles expiry, a useful travel insurance benefit when the full fare is charged to the card, and an annual fee that’s often waived in year one.
The 2.2 mpd overseas rate is solid for a card at this price point, and the uncapped 10 mpd on Agoda, Expedia, and Kaligo makes it particularly strong for travellers who book through those platforms.
It’s not a card for luxury perks (2 lounge visits a year is limited), but as a reliable, low-maintenance miles accumulator, it remains one of the most popular options in Singapore.
✅ Pros
- Citi Miles never expire — no pressure to redeem
- Strong 10 mpd on major online travel booking platforms (uncapped)
- Complimentary travel insurance when full fare is charged to the card (till 31 Mar 2026)
- Annual fee often waived in year one; 10,000 renewal miles on fee payment
- Accessible income threshold — widest eligibility of the three
❌ Cons
- 3.25% FX fee makes it a poor overseas spending card day-to-day
- Only 2 Priority Pass lounge visits per year
- 2.2 mpd overseas is good but not market-leading (UOB PRVI Miles offers 2.4 mpd)
- No hotel or concierge benefits
📖 Full guide: Citi PremierMiles Card: Guide to Benefits, Fees & Rewards
Citi Prestige Card
Image Credits: The Shutterwhale
| Feature | Details |
|---|---|
| Annual fee | S$651.82 (incl. 9% GST) — not waivable |
| Est. min. income | S$120,000 p.a. (S$30,000 for Citigold customers) |
| Local earn rate | 1.3 mpd |
| Overseas earn rate | 2.0 mpd |
| Lounge access | 12 Priority Pass visits/year (shared with guests) |
| Hotel benefit | Complimentary 4th night free (unlimited, booked via concierge) |
| Limousine transfers | 2 per quarter (requires S$12,000 quarterly spend) |
| Miles expiry | Never |
| FX fee | 3.25% |
The Citi Prestige Card is Citibank Singapore’s flagship publicly available travel card, and it’s had a difficult few years. The July 2025 changes removed unlimited lounge access (now capped at 12 visits per year, shared with guests) and raised the annual fee to S$651.82.
Its signature benefit remains the 4th night free on hotel stays (unlimited, booked via concierge) — still one of the most valuable perks of any Singapore credit card for regular hotel bookers. The 32,000 renewal miles on annual fee payment also help offset the cost for committed cardholders.
But with reduced benefits and a 3.25% FX fee, the case for the Prestige is narrower than it once was, and it rewards active, high-spending users far more than occasional ones.
⚠️ Travel insurance note: Citi’s HLAS-underwritten travel insurance was discontinued effective 1 March 2025. Mastercard World Elite coverage (underwritten by AIG) remains in place. Cardholders should confirm their current coverage and consider supplementary travel insurance.
⚠️ Lounge visits note: The 12 annual visits are shared between the primary cardholder and any guests. Solo travellers get 12 trips; those who always bring a companion effectively get 6.
✅ Pros
- 4th night free on hotel stays is unlimited and genuinely high-value for frequent hotel bookers
- 32,000 renewal miles on annual fee payment — offsets a meaningful portion of the fee
- 12 Priority Pass lounge visits (cut from unlimited, but still the highest of the three Citi cards)
- ThankYou Points never expire; transfer to 10+ airline programmes at 2.5:1
- 24/7 Prestige Concierge
- Complimentary golf games regionally
❌ Cons
- S$651.82 annual fee with no waiver — one of the highest in Singapore
- Lounge access cut to 12 visits/year from July 2025 (was unlimited)
- 3.25% FX fee — poor for day-to-day overseas spending
- Limo transfers gated behind S$12,000 quarterly spend — not easily accessible
- High income threshold (S$120,000 p.a.) excludes most applicants
- HLAS travel insurance discontinued from March 2025
📖 Full guide: Citi Prestige Card: Guide to Fees, Miles, Eligibility & Tips
Citi Rewards Card
Image Credits: Singsaver
| Feature | Details |
|---|---|
| Annual fee | S$196.20 (incl. 9% GST) — often waived 1st year |
| Est. min. income | S$30,000 p.a. (Singapore Citizens/PRs); S$42,000 (Foreigners) |
| Base earn rate | 0.4 mpd (1X ThankYou Points per S$1) |
| Accelerated earn rate | 4 mpd (10X ThankYou Points) on online shopping and department stores |
| Accelerated earn cap | 9,000 bonus points per statement month (~S$1,000 eligible spend) |
| Points expiry | 5 years from card approval date |
| FX fee | 3.25% |
The Citi Rewards Card is not a travel card — it’s a lifestyle and online shopping card that happens to convert well to miles. The 4 mpd earn rate on department stores and online shopping (bags, clothes, shoes, accessories) is among the highest accelerated rates in Singapore, making it a strong complement to a travel miles card.
The catch: the 9,000 monthly bonus points cap limits the value to roughly S$1,000 in eligible spend per month, after which earn drops to 0.4 mpd. Hotels booked directly and airline tickets earn only base rate, not 10X. And unlike PremierMiles, ThankYou Points expire after five years — so these aren’t points you want to accumulate passively for years without a redemption plan.
✅ Pros
- 4 mpd on online shopping and department stores — best in category for lifestyle spend
- Transferable to 10+ frequent flyer programmes, including KrisFlyer and Asia Miles
- Annual fee often waived in year one
- Pairs well with PremierMiles for a two-card strategy (use Rewards for 10X categories, PremierMiles for everything else)
❌ Cons
- 9,000 bonus points monthly cap limits value to ~S$1,000 in 10X spend
- Base earn of 0.4 mpd is very low outside the 10X categories
- ThankYou Points expire 60 months from card approval date — unlike PremierMiles’ no-expiry Citi Miles
- No lounge access, no travel insurance, no hotel benefits
- 3.25% FX fee
- Hotels and airline tickets do not earn 10X points
📖 Full guide: Citi Rewards Card: Guide to Fees, Miles & Benefits
Minimum Income Requirements
| Card | Min. Income (SG/PR) | Min. Income (Foreigners) |
|---|---|---|
| PremierMiles | S$30,000 p.a. | S$42,000 p.a. |
| Rewards | S$30,000 p.a. | S$42,000 p.a. |
| Prestige | S$120,000 p.a. | S$120,000 p.a. |
Which Citi Miles Card Should You Get?
- Get the PremierMiles if you want a reliable, low-maintenance everyday miles card. The no-expiry miles, 2.2 mpd overseas earn rate, and uncapped 10 mpd on major travel booking platforms make it the most versatile of the three for most Singaporean travellers.
- Get the Prestige if you regularly book multi-night hotel stays and will use the 4th night free benefit multiple times a year. That single perk can recover the annual fee quickly for frequent hotel bookers. If you travel only occasionally or won’t maximise the hotel benefit and lounge access, the fee is hard to justify.
- Get the Rewards if you spend heavily at department stores and online shopping, and want to convert that spend to miles. Use it alongside PremierMiles as a two-card strategy — Rewards for 10X categories, PremierMiles for everything else. Don’t use it as a standalone travel card.
- None of the three are built for overseas day-to-day spending. All charge 3.25% in FX fees, which quietly erodes the value of miles earned on every overseas transaction. For meals, transport, and shopping abroad, a zero-FX-fee option like YouTrip saves more in real terms — then use your Citi card for the categories where the accelerated earn actually applies.
📖 Read next: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
Best Travel Card for Overseas Spending
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.
📖 Related Guide: YouTrip Exchange Rates: Everything You Need to Know
Citi Miles Credit Cards FAQs
PremierMiles (S$196.20/year) is an accessible everyday miles card with a 2.2 mpd overseas earn rate, no miles expiry, and a first-year fee often waived.
Prestige (S$651.82/year) is the premium card for high earners, with 12 Priority Pass lounge visits, unlimited 4th night free hotel stays, and concierge services — but a S$120,000 income requirement.
Online shopping and department store spending: 4 mpd (10X ThankYou Points) on eligible categories including bags, clothes, shoes, and accessories. Best used as a complement to PremierMiles, not as a standalone travel card.
Note the 9,000 monthly bonus points cap and 5-year points expiry.
No. Citi Miles on the PremierMiles Card never expire as long as your card account is active. ThankYou Points on the Rewards Card expire after 5 years from the card approval date. ThankYou Points on the Prestige Card never expire.
S$120,000 p.a. for all applicants (Singaporeans, PRs, and foreigners). Exception: Citigold customers may be eligible with S$30,000 p.a.
Via the Citi Mobile App under Rewards > Points Transfer. The conversion rate is 2.5 ThankYou Points = 1 KrisFlyer mile. A transfer fee of S$27.25 (incl. GST) applies per transfer. Transfers are typically processed within a few business days and are not reversible.
Yes. All three Citi cards charge 3.25% on non-SGD purchases.
Only if you’ll maximise the 4th night free hotel benefit and 12 lounge visits. The July 2025 benefit cuts (unlimited lounge access removed, annual fee hiked to S$651.82) have made the card less broadly compelling.
For frequent hotel bookers who use the concierge to book qualifying stays, the Prestige still delivers strong value. For everyone else, PremierMiles offers better value at a fraction of the cost.
Yes — and many frequent travellers do. Use your Citi card for local spend and bonus categories where earn rates are highest, and use YouTrip for all overseas day-to-day transactions to avoid the 3.25% FX fee.
This hybrid approach maximises miles earning while minimising the cost of overseas spending.
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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Information is accurate as of March 2026, sourced from official Citibank Singapore product pages and YouTrip’s individual card guides. Card benefits, fees, and earn rates are subject to change — always verify current terms at citibank.com.sg before applying.
