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    Citi PremierMiles American Express Card For Travel

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    Welcome to a world where you get rewarded with air miles for every purchase you charge to this card. The Citi PremierMiles American Express Card gives you with up to 2 Citi Miles for every dollar you spend on it. And guess what, they don’t have an expiry date either. The card also features a ton of other privileges such as complimentary access to airport lounges all over the world, and discounts and deals on shopping, travel, and dining. You also get travel protection of up to S$1 million and medical assistance during your travels, and assistance in case you lose your passport during your journey, and a whole lot more. For offers and deals all through the year, you can also take advantage of the benefits offered by American Express Selects.

    Key Features

    Features Description
    Miles per S$1 on local expenses 1.3 Citi Miles
    Miles per S$1 on overseas expenses 2 Citi Miles
    Complimentary Travel Insurance Up to S$1 million
    Hotel Privileges Redeem your Citi Miles on a wide range of hotels through participating Hotel Loyalty Programmes
    Concierge/Butler Service Not available
    Airport Lounge Access Personalised Priority Pass membership card that offers complimentary access to airport lounges twice a year
    Airlines that miles can be used in Singapore Airlines, SilkAir
    Limousine Not Available
    Expedited Immigration Not Available

    Go Further With Accelerated Miles

    Every S$1 you spend on purchases made locally in Singapore earn you a reward of 1.3 Citi Miles. You can earn these rewards at a much faster rate when you spend on overseas transactions and also on SilkAir and Singapore Airlines which give you 2 Citi Miles for each dollar you spend. You can use these miles to pay directly for your future flight bookings, hotel room reservations, and a lot more. You also get the freedom to use them as and when you want because they don’t expire. This means you can keep accumulating as many Citi Miles as you want and use them on any future dates that suit your convenience. What’s more, you can also use these miles to shop for merchandise at many of the leading brands from around the world.

    Travel in Comfort With Free Lounge Access

    Ever seen a bunch of people sitting and relaxing at the airport in rooms that seem exclusive and serene, free from the chaos of the terminal? Now you too can be a part of this select group of people, thanks to the complimentary access to airport lounges worldwide. You can make use of this facility twice every year, at any of the hundreds of options that are available to you. You get special access to the internet, phones, faxes, good food and beverages, and many other lounge benefits. Welcome to a world of hassle-free flying.

    A Globally Recognised Card

    One of the best features of this credit card is the fact that it is recognised as a payment option all over the world. This not only gives you a convenient mode of paying for your purchases overseas but also opens up a host of offers and deals on travel, shopping, and dining when you travel. If at any time you need help regarding your card (in case you lose it) or if you want to know how and when you can redeem the Citi Miles you’ve accumulated, simply call the dedicated helpline to get immediate help.

    Travel insurance for a Peaceful Journey

    They say money can’t buy you happiness, but travel insurance just might give you the peace of mind you need when you are travelling by air. There are a number of things that can go wrong, and when you’re covered by insurance protection, it helps you breathe a little easier because you know you’ll receive compensation in case something does go wrong.

    You are covered with up to S$1 million in the case of permanent disablement or death. Other covers include S$100,000 for medical evacuation in case of an emergency, S$40,000 for medical expenses paid outside Singapore, and more. You are also given coverage for incidents such as baggage loss, baggage delays, trip cancellations, flight delays, and trip interruption. In addition to this, you also get access to Travel Guard which will help you in case you lose your passport or get caught up in an accident while on your journey. This service is there to help you with names and numbers of doctors, medical services, lawyers, and also make arrangements for transportation wherever you are.

    Additional Benefits

    • There are promotional offers available with this card that are valid until the end of 2018. Visit our dedicated Citi credit card promotions page to know more.
    • You do not have to spend a minimum amount to earn Citi Miles.
    • Use your Citi Miles to redeem from an extensive range of merchandise from leading brands through the ThankYou SM Rewards catalogue.
    • Get cash rebates on your travel-related purchases.
    • Get exclusive deals on shopping, travel and dining with Citi World Privileges.
    • Get 24/7 assistance immediately on anything you want to know about the card.
    • Get immediate medical assistance and travel arrangements when you are in a foreign country with Travel Guard.
    • Enjoy additional benefits on shopping, dining, leisure and travel with American Express Selects.

    Earning Rewards

    You get Citi Miles each time you use your card to make payments. The Citi Miles that you accumulate over a period can be used to book flights, hotels, and car rentals, among others. For instance, you can use Citi Miles on all merchants associated with the Hotel Loyalty and Frequent Flyer Programmes. For booking flights, one Citi Mile = one mile with the following airlines:

    • Flying Blue
    • Qatar
    • Qantas
    • Etihad Guest
    • Garuda Frequent Flyer
    • Infinity MileageLands
    • Enrich
    • Executive Club
    • Royal Orchid Plus
    • Asia Miles
    • KrisFlyer

    In case of Hotel Loyalty Programmes, one Citi Mile = one IHG Rewards Club point. To redeem the Citi Miles, you will have to call the bank.

    Other ways to redeem your miles include:

    • Redeeming your miles through shopping for merchandise.
    • Redeem for cash rebate that will be credited to your account in the following ways:
      • 1,400 Citi Miles = S$10
      • 2,800 Citi Miles = S$20
      • 7,800 Citi Miles = S$50

    Calculate Citi Miles from Citi PremierMiles American Express Card

    Let’s assume that you have spent S$10,000 locally and S$10,000 overseas in the last year. At the current miles earning rate, you have earned 13,000 Citi Miles (1.3 x 10,000) and 40,000 Citi Miles (2 x 20,000) on your local and overseas spends. Upon renewing your card membership, you have additionally earned 15,000 Citi Miles, which totals to 68,000 Citi Miles earned in the previous year. Here is a table showing the number of Citi Miles needed on different airlines for a trip to Hong Kong:

    Singapore Airlines Qantas Qatar Flying Blue
    One way ticket (Economy) 30,000 30,000 30,000 30,000
    Return Ticket (Economy) 30,000 30,000 30,000 30,000

    Note: The values mentioned in the table above are meant for illustrative purposes only. Contact the respective airline for more accurate conversation rates.

    Complimentary Insurance Coverage

    The complimentary travel insurance that you will get with this card is underwritten by AXA Insurance Pte Ltd.

    Travel Protection Coverage
    Permanent disablement and accidental death while travelling Up to S$1 million (up to S$50,000 for a child)
    Medical Assistance Programme for medical expenditure overseas Up to S$40,000 (up to S$20,000 for a child)
    Luggage delay overseas S$100 for every eight consecutive hours of delay up to S$600
    Luggage loss overseas Up to S$1,000 (maximum of S$500 per item)
    Trip cancellation because of specified events Up to S$500
    Interruption in the trip because of hospitalisation outside Singapore Up to S$500

    Who All Will Be Covered by the Insurance?

    As part of this complimentary travel insurance, accompanying spouse and kids will be covered in case of permanent disablement, accidental death and medical emergencies. However, coverage for travel inconveniences such as a luggage delay and loss, will not be valid for the spouse and children of the cardholder.

    Concierge/Butler Service

    Although this card does not come with a concierge or a butler service, you will have access to Travel Guard, that offers assistance when you want to travel overseas.

    You can contact “Travel Guard” over the phone for any assistance when travelling overseas. Here are a few examples of what you can use this service for:

    • Travel and transport assistance/arrangements.
    • Assistance in case of loss of passport while travelling.
    • Details of lawyers, embassies and consulates for assistance.
    • To get details of medical service providers in case of an accident while travelling overseas.

    Citi PremierMiles American Express Card Interest Rates

    Type of Interest Charge
    Retail Purchases 26.9% p.a.
    Cash Advance 26.9% p.a.
    Instalment Payment Plan 0%

    Citi PremierMiles American Express Card Fees and Charges

    Type of Charge Charge
    Annual Fee S$267.50
    Overseas Transaction Fee An admin fee of up to 3.3% on the converted Singapore dollar amount, of which 1.5% will be retained by American Express
    Late Payment Fee S$100
    Overlimit Fee S$40
    Cash Advance Fee S$15 or 6% of the amount withdrawn, whichever is greater
    Supplementary Card Fee Free

    Eligibility Criteria

    Check the eligibility requirements for this card here conveniently before choosing to apply.

    Activating the Card for Overseas Expenses

    Yes, you will have to activate your Citi PremierMiles American Express Card if you want to use it overseas. When you apply for the card, you will have to select the overseas usage feature on your account opening application form. You can enjoy your global privileges only if you have activated the overseas usage feature at the time of application.

    To activate the card, you will have to send an SMS from your registered mobile phone to the bank. The activation will be done immediately and you will get the confirmation over a text message. Overseas card activation will take place in a time-bound manner and will begin from the day the SMS is sent. Other ways to activate the card include using the Self Service Phone Banking, Citi Mobile application or via the website.

    Instalment Payment Plans Available

    Citi offers a 0% interest payment plan known as Citibank Equal Payment Plan. As per this plan, you will get the following benefits:

    • Flexible payment options at more than 1,000 locations.
    • You will have more disposable cash in your account that will earn you interest.
    • Pay for your purchases over a period of up to 24 months.
    • Enjoy 0% interest with no additional charges when you pay using Equal Payment Plan.

    There is another plan known as Citibank Paywise by which you can convert all your retail purchases to instalment payments in the following ways:

    • Purchases will be converted into six monthly instalments at 0% interest on your credit card.
    • The minimum purchase amount to convert the purchase to this plan is S$500.
    • A one-time service fee of 5% will be applicable (EIR of 25.18% p.a.).

    Lost/Stolen Cards

    If your card is lost, stolen or if your PIN is compromised, you must notify the bank instantly. You will have to file a police report and share it with the bank along with other supporting documents that verify your innocence to the bank in case of stolen cards.

    Your liability for fraudulent or unauthorised use of your card is limited to S$100, provided:

    • You have notified the bank about any suspicious use of your credit card.
    • You have cooperated with the bank during its investigations.
    • It has been proven that you were not involved in the fraud.
    • It has been proven that you were not completely careless with your card.

    To summarise, this card combines affordability, flexible redemptions, abundant mile awards and smart savings into a single card. If you do not want to spend a lot, but still want to make the most of the benefits of a good travel card, Citi PremierMiles American Express Card could be a solution to meet your needs.

    card in a single page. Go ahead and take a look – you’ll not be disappointed! Before you decide which card to get, go to our credit card comparison page and check which card offers you the best rewards.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions - Through Direct Debit Authorisation Form

    You can enable or disable the auto debit feature on your Citi PremierMiles American Express Card by submitting the completely filled “Direct Debit Authorisation for Payment of Citibank Visa/Mastercard/American Express Account(s)” form.

    You can also give standing instructions directly to your bank for use of the auto debit facility. This can be done by following the steps listed below:

    • Download the form for standing instructions available online.
    • Fill the form with relevant details.
    • Submit the form online by logging in to your Citibank Online account or submit it directly at your nearest branch.
    • An acknowledgement of receipt for this form will be sent to you within one business week.

    With this facility, Citibank debits the payment three business days prior to the due date of your statement. To disable the auto debit facility, you can get in touch with the bank through the hotline number and place a request for cancellation of this facility.

    How to Apply for the Card & Check the Application Status - Through Citibank Website

    You can apply for the Citi PremierMiles American Express Card online through Citibank's website, or physically by going to their branch. 

    You can check the application status for this credit card by using one of the following modes:

    • Use Citi phone Banking service to check the status of the application.
    • Application status can be checked by getting in touch with a Citiphone Officer.
    • Check application status at Instant Banking Centers (IBC).
    • Visit your nearest Citibank branch to check the status of your application.

    How to Check Balance - Through Citibank Online/Mobile Banking/IBC/Phone Banking/Citibank Officer/Branch/ATM

    You can check your credit card balance in one of the following ways:

    • Log in to your Citibank Online Banking account to check credit card balance.
    • The balance on your credit card can be checked through Mobile Banking.
    • Visit your closest Citibank branch to check your account balance.
    • Check your account balance at an Instant Banking Centers (IBC).
    • Account balance can be checked through Phone Banking.
    • Contact a Citiphone Officer to check your balance.
    • Credit card account balance can also be checked by visiting the nearest Citibank ATM.

    How Can the Bill Be Paid? - Through FAST/Online Banking/Citibank SMS Pay/Citi Mobile/GIRO and Others

    You can pay your credit card bills by using one of the following key payment modes:

    • FAST: You can use FAST (Fast and Secure Transfers) to pay your credit card bills from a non-Citibank account.
    • Online Banking: This facility not only provides you with the option of making payments securely, but you can also easily manage your accounts 24/7.
    • Citibank SMS Pay: You can pay your credit card bills from your non-Citibank account by sending a simple SMS in the required format.
    • Citi Mobile: You can use Citi Mobile service to not only pay your credit card bills but also to facilitate fund transfers and check account balances.

    Some of the other modes include:

    • Interbank GIRO.
    • SAM machines.
    • AXS stations.
    • Visiting a bank branch and depositing cash over the counter.

    How Much Is the Minimum Payment to Be Made on the Card? - 1% of Current Balance + 1% of Outstanding Instalments + Late Payment Fee

    The minimum payment sum is mentioned in your statement, calculated by taking into account 1% of the existing account balance and 1% of the all unbilled instalments amounts that remain due along with interest charges. A late payment fee or S$50, whichever is more, will also be included in the calculation for the minimum payment along with any dues that remain unpaid.

    Besides, the minimum payment sum will be equal to the current balance if the existing balance amount is less than S$50.

    What Is the Grace Period? - 25 days

    You can enjoy an interest-free period of 25 days on your Citi PremierMiles American Express Card.

    Which Mobile Wallets Can This Card Be Used With? - Apple Pay/Google Pay/ Samsung Pay

    The following mobile wallets can be used in conjugation with your credit card:

    • Apple Pay: You can add your Citi credit card to the Apple Pay wallet and make payments online or at retail stores. This mobile wallet works with all iPhones, Mac, Apple tablets, Apple apps, websites in Safari, and Apple Watch.
    • Citi Pay: This mobile wallet works with NFC-supported Android devices loaded with version 4.4 KitKat or higher. Once you login to your Citibank Online account, all your Citi cards will be added automatically. Every tap and pay terminal in Singapore will allow you to make payments using Citi Pay. This mobile wallet can be used at all tap and pay terminals.
    • Samsung Pay: You have to sign up or log into your Samsung account and add all the Citi cards. You can use Samsung Pay by swiping or tapping your card. This facility is applicable for all Samsung Pay-compatible devices.

    Can It Be Used With EZ-Link? - Yes

    The Citi PremierMiles American Express Card can be used with the EZ-Link facility. This facility comes with the EZ-Pay feature allowing you to pay for your ERP charges using your Citi credit cards. With this facility, you don’t have to worry about adding cash into your card.

    You have to register for this facility. A confirmation email will be sent to you within two working days from the effective start date of EZ-Pay. Once registered, you can use the facility at selected carparks and ERP gantries.

    How to Block or Unblock the Card - Through Citi Mobile app or by Calling on CitiPhone Banking Number

    You must block your card in case it gets lost or stolen, especially if you notice an unauthorised transaction on your card. This can be done in one of the following ways:

    • Use Citi Mobile app by logging in with your credentials for Citibank Online.
      • You have to download the app and log in using your Citibank Online username and password.
      • Go to the “Manage Your Cards” option under the “menu” section, and click on “Block, Lost or Stolen Cards”.
      • Next, block your card by following the steps mentioned and request a new card.
      • The card will be permanently blocked once you have completed the steps listed above.
    • Alternatively, you call on the 24/7 CitiPhone Banking number and get your card blocked.

    How to Reset the PIN - By Calling on the 24/7 CitiPhone self-service Banking Number

    You can reset the PIN by calling on the CitiPhone self-service Banking number. This service is available to you 24/7.

    What Is the Billing Cycle and the Bill Due Date? - Calculated Between Two Successive Credit Card Statements

    The billing cycle is calculated between any two successive credit card statements and usually starts from the day of statement generation. This cycle is usually a 30-day period. The bill due date will also be stated in your monthly credit card statement(s).

    How to Get a Replacement Card - Through the Citi Mobile App

    You will need to apply for a replacement card once you have blocked your lost/stolen card. You can do so by using the Citi Mobile app. You will need the login credentials for your Citibank Online account. Once you have placed the request, the replacement credit card along with its PIN will be sent to the address you have registered with Citibank.

    In case you don’t have a Citibank Online account, you can place a request for a replacement card by calling on the 24/7 CitiPhone Banking number.

    How to Temporarily Increase the Limit of the Card - Through Citibank Online

    You can request for a temporary increase of your credit limit in one of the following ways:

    • You have to login to your Citibank Online account and place a request for a temporary increase on your credit limit. However, if you’re applying for a permanent credit limit increase, you must ensure that temporary increase in the credit limit has ceased and the credit limit must have reverted to the previously assigned limit.
    • Alternatively, you can use the CitiPhone Banking facility to request for a temporary increase of your credit limit.
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