{"id":78189,"date":"2026-03-31T19:12:42","date_gmt":"2026-03-31T11:12:42","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=78189"},"modified":"2026-04-28T15:18:54","modified_gmt":"2026-04-28T07:18:54","slug":"best-citi-miles-credit-cards-in-sg","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/best-citi-miles-credit-cards-in-sg\/","title":{"rendered":"Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards (2026)"},"content":{"rendered":"\n

When it comes to choosing a Citi credit card in Singapore, the options can feel overwhelming.<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n

Citibank has built a strong reputation with three standout miles credit card options. The PremierMiles<\/strong> is the accessible everyday miles card; the Prestige<\/strong> is the premium travel card for high earners; the Rewards<\/strong> 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.<\/p>\n\n\n\n

That said, not everyone values miles and lounge access. We’ll be adding YouTrip<\/strong>, a multi-currency travel card<\/strong>, as an alternative for competitive exchange rates and zero FX fees, if stretching your travel dollar is more important than premium perks.<\/p>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n\n\n\n

\ud83d\udc9c Stay Up To Date:<\/strong>
\u2013 Macau ATM Withdrawal Guide: Fees, Locations, Exchange Rates<\/a>
\u2013 The Ultimate Shanghai Disneyland Guide 2025<\/a>
\u2013 Best Things To Do In Nagoya City, Japan: The Ultimate 2025 Guide<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n\n\n\n

Citi Miles Cards: Quick Comparison <\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n
Features<\/strong><\/th>PremierMiles<\/strong><\/th>Prestige<\/strong><\/th>Rewards<\/strong><\/th><\/tr><\/thead>
Annual fee<\/strong><\/td>S$196.20<\/td>S$651.82<\/td>S$196.20<\/td><\/tr>
Annual fee waiver<\/strong><\/td>Often waived 1st year<\/td>Not waivable<\/td>Often waived 1st year<\/td><\/tr>
Est. min. income<\/strong><\/td>S$30,000 p.a.<\/td>S$120,000 p.a.<\/td>S$30,000 p.a.<\/td><\/tr>
Local earn rate<\/strong><\/td>1.2 mpd<\/td>1.3 mpd<\/td>0.4 mpd (1X)<\/td><\/tr>
Overseas earn rate<\/strong><\/td>2.2 mpd<\/td>2.0 mpd<\/td>0.4 mpd (1X)<\/td><\/tr>
Accelerated earn<\/strong><\/td>10 mpd (Agoda, Expedia, Kaligo)<\/td>None<\/td>4 mpd (online shopping & dept stores)<\/td><\/tr>
Accelerated earn cap<\/strong><\/td>None<\/td>None<\/td>9,000 bonus points\/month (~S$1,000 spend)<\/td><\/tr>
Lounge access<\/strong><\/td>2 Priority Pass visits\/year<\/td>12 Priority Pass visits\/year<\/td>None<\/td><\/tr>
Hotel benefit<\/strong><\/td>None<\/td>4th night free (unlimited, via concierge)<\/td>None<\/td><\/tr>
Limousine transfers<\/strong><\/td>None<\/td>2 per quarter (requires S$12,000 quarterly spend)<\/td>None<\/td><\/tr>
Miles\/points expiry<\/strong><\/td>Never (Citi Miles)<\/td>Never (ThankYou Points)<\/td>5 years from card approval date<\/td><\/tr>
FX fee<\/strong><\/td>3.25%<\/td>3.25%<\/td>3.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n

\u2708\ufe0fc Travelling abroad?<\/strong> 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<\/a> eliminates that cost entirely \u2014 no annual fee, no markup.<\/p>\n<\/blockquote>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n\n\n\n

\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n
    \n
  1. Citi PremierMiles Card<\/strong><\/a><\/li>\n\n\n\n
  2. Citi Prestige Card<\/strong><\/a><\/li>\n\n\n\n
  3. Citi Rewards Card<\/strong><\/a><\/li>\n\n\n\n
  4. Minimum Income Requirements<\/strong><\/a><\/li>\n\n\n\n
  5. Which Citi Miles Card Should You Get?<\/strong><\/a><\/li>\n\n\n\n
  6. Best Travel Card for Overseas Spending<\/a><\/strong><\/li>\n\n\n\n
  7. FAQ<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
    <\/div>\n\n\n\n
    <\/div>\n\n\n\n

    Citi PremierMiles Card<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n
    \n
    \"Best<\/figure>\n<\/div>\n\n\n

    Image Credits: Bankmeister<\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n
    Feature<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
    Annual fee<\/td>S$196.20 (incl. 9% GST) \u2014 often waived 1st year<\/td><\/tr>
    Est. min. income<\/td>S$30,000 p.a. (Singapore Citizens\/PRs); S$42,000 (Foreigners)<\/td><\/tr>
    Local earn rate<\/td>1.2 mpd<\/td><\/tr>
    Overseas earn rate<\/td>2.2 mpd<\/td><\/tr>
    Accelerated earn<\/td>10 mpd on Agoda, Expedia, Kaligo \u2014 uncapped<\/td><\/tr>
    Lounge access<\/td>2 Priority Pass visits\/year<\/td><\/tr>
    Miles expiry<\/td>Never<\/td><\/tr>
    FX fee<\/td>3.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
    <\/div>\n\n\n\n
    <\/div>\n\n\n\n

    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. <\/p>\n\n\n\n

    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. <\/p>\n\n\n\n

    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.<\/p>\n\n\n\n

    <\/div>\n\n\n\n
    <\/div>\n\n\n\n

    \u2705 Pros<\/strong><\/p>\n\n\n\n