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CITI PremierMiles Card

Product Details
Credit Card Name : 

CITI PremierMiles Card

Bank Name :

CITI Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.75% per month (45.00% annualized) on outstanding balance

Eligibility :

Age:
You must be between 23 and 70 years old.
Income:
You must have a good annual income. This specific requirement is not publicly disclosed by Citi, but it's generally understood to be around ₹5 lakhs per annum or higher.
Employment:
You can be either salaried or self-employed.
Credit Score:
You must have a good credit score. This is also not publicly disclosed, but generally a score of 750 or above is considered favorable.

CITI PremierMiles Card
Pros
  • High Reward Rate: Earn up to 10 Citi Miles per S$1 spent on online travel bookings via Kaligo and Agoda, and up to 2 Citi Miles per S$1 spent overseas. This rate is higher than many competitor cards in Singapore.

  • Welcome Benefit: A welcome gift of 10,000 Miles is provided to the new customers.

  • Flexible Miles Redemption: Redeem miles for flights on over 60 airlines and hotel stays at over 8,000 properties with no blackout dates. No minimum miles are required for most redemptions.

  • Renewal Bonus: Receive 10,000 bonus miles (worth S$100) every year you renew your card, making it easy to offset the annual fee.

  • Airport Lounge Access: Enjoy 2 complimentary visits per year to over 1,300 airport lounges worldwide (Visa variant offers 8 visits, Mastercard offers 6).

  • Milestone Benefit: Your Miles never expire so you can use them whenever you want.

  • Members-Only Discounts: Get Up to 20% savings across Swiggy, Instamart, and Eazydiner. 

Cons
  • High Annual Fee: The annual fee of S$194.40 (Visa) or S$174.40 (Mastercard) is higher than some basic travel cards.

  • No Minimum Spend Waiver: Unlike some competitors, there is no way to waive the annual fee without meeting the minimum spending requirement.

  • Miles Expire: Citi Miles expire after 3 years, although this is still a relatively long expiry period compared to some other programs.

  • Fuel Surcharge: Foreign currency transactions incur a 3.5% foreign exchange markup fee.

  • Limited Airport Lounge Access: Compared to some premium cards, the complimentary lounge access is limited to just 2 visits per year.

Pros & Cons
Welcome Benefits

A welcome gift of 10,000 Miles is provided to the new customers.

Rewards System
  • 10 Miles / Rs.100 on airline transactions

  • 4 Miles on every ₹100 spent on all other transactions.

  • 1 RP = INR 0.45

  • Effective Cashback Rate: 1.5%

International Forex Markup

3.50% on all forex transactions

Welcome Benefits and Reward System
Special Features

Get Lost Card Liability Cover of ₹10 Lakh.

Eligibility Criteria

Age:
You must be between 23 and 70 years old.
Income:
You must have a good annual income. This specific requirement is not publicly disclosed by Citi, but it's generally understood to be around ₹5 lakhs per annum or higher.
Employment:
You can be either salaried or self-employed.
Credit Score:
You must have a good credit score. This is also not publicly disclosed, but generally a score of 750 or above is considered favorable.

Benefits


  • Travel Insurance: Includes overseas travel medical insurance, purchase protection, and baggage loss/delay insurance.

  • Milestone Bonus: Earn 5,000 bonus miles when you cross an annual spending of ₹1,00,000 and an additional 10,000 miles at ₹2,00,000.

  • Milestone Reward: Redeem your miles for statement credit at a rate of 0.75 paise per mile when you have accumulated 50,000 miles or more.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  1. Eligibility: You must be an Indian resident with a stable income and a good credit score to be eligible for this card.

  2. Visit the CITI Bank website: Go to the CITI PremierMiles Card page on the CITI Bank website.

  3. Click on "Apply Now".

  4. Fill out the application form: Enter your personal details, employment information, and income details.

  5. Submit the application: Review the information and submit the application form.

  6. Documents required: You may need to upload scanned copies of your PAN card, ID proof, and income documents.

  7. Decision: CITI Bank will review your application and inform you of their decision within a few days.

Contact Details

0008 004 407 027 for Mastercard ® cardholders or 0008 00050 1198 for Visa cardholders

Account Opening and Procedure
CITI PremierMiles Card

The CITI PremierMiles Card is a solid choice for frequent travelers who value flexibility and high miles earning potential on overseas spending. However, the annual fee and lack of bonus miles on everyday spending might not be ideal for everyone. Compare with other travel cards and consider your travel habits before making a decision.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining Fee: ₹3,000 + applicable taxes

  • Annual Fee: ₹3,000 + applicable taxes (waived if you spend ₹3,000 or more in foreign currency transactions within the membership year)

  • Finance Charges: 3.75% per month (45.00% annualized) on outstanding balance

  • Cash Advance Fee: 2.5% of the withdrawn amount, minimum ₹300

  • Late Payment Fee: Up to ₹1,000 based on outstanding balance

  • Returned Payment Fee: ₹500

  • Foreign Currency Markup Fee: 3.50% on all forex transactions

Fuel Surcharge

1% surcharge levied by most fuel stations for credit card transactions

Billing Cycle

30 Days

Fees & Charges
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