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Citi PremierMiles Visa Credit Card is a card that lets you earn Citi Miles at a faster rate. Since the accumulated miles never expire, you can use them to redeem for rewards, hotels, and flights at anytime.
Best suited to: Frequent travellers.
|Annual fee||S$192.60 (2nd year onwards)|
|Miles per S$1 on local expenses||1.2 Citi Miles|
|Miles per S$1 on overseas expenses||2 Citi Miles|
|Complimentary Travel Insurance||Up to S$1 million|
|Hotel Privileges||Choose from over 900 hotels from the Visa Luxury Hotel Collection across the world|
|Concierge/Butler Service||Not available|
|Airport Lounge Access||2 complimentary access to Priority Pass airport lounges around the world|
|Airlines that miles can be used in||Singapore Airlines, SilkAir, Qatar, Cathay Pacific, Qantas, Flying Blue partners, Etihad,
Thai Airways, British Airways, Malaysia Airlines, EVA Air, Star Alliance flights, and Garuda Indonesia
|Expedited Immigration||Not available|
Suppose you spend S$2,500 in a month on local purchases. According to the programme, you will earn 36,000 Citi Miles in a year. If you renew your membership, you will get the bonus Citi Miles, which is 10,000. Hence, in a year, you will earn 46,000 Citi Miles, which can be transferred to any participating frequent flyer programme.
Let’s say you want to visit Shanghai from Singapore. The table below shows the number of miles you need to redeem an air ticket.
|Singapore Airlines||Qatar Airways||Silk Air||Cathay Pacific|
|One way ticket (Economy)||20,000 KrisFlyer Miles||2,018 to 8,071 Qmiles||20,000 KrisFlyer Miles||20,000 Asia Miles|
|Return Ticket (Economy)||40,000 KrisFlyer Miles||4,036 to 16,142 Qmiles||40,000 KrisFlyer Miles||30,000 Asia Miles|
The aforementioned data is for illustration purpose only. Actual data may differ.
The complimentary travel insurance on this card offers coverage of up to S$1 million in case of death or permanent disability from an accident in a public transport. This insurance policy is underwritten by AXA Singapore.
To be eligible for this insurance policy, you must charge the entire ticket fare to your Citi PremierMiles Visa Card. This policy is applicable on your round trip. The table below shows the maximum coverage of the travel insurance for you and your spouse:
|Type of Cover||Maximum Coverage|
|Accidental death or permanent disability||
|Medical evacuation and repatriation||Cardmember/spouse/children: S$100,000 per person|
|Baggage loss||S$1,000 (max. S$500 per article)|
|Baggage delay||S$600 (S$100 per 8-hour delay)|
|Flight delay||S$500(S$100 per 8-hour delay)|
The travel insurance policy covers you, your legal spouse, and your children. To extend the coverage to your children, they must fulfil certain criteria, which are as follows:
Travel inconvenience benefits including baggage loss/delay, flight delay, trip cancellation/interruption, etc. are only applicable to the cardmember.
|Type of interest||Charge|
|Retail purchases||26.9% p.a.|
|Cash advance||26.9% p.a.|
|Instalment payment plan||0%|
|Type of charge||Charge|
|Overseas transaction fee||2.8% of the transacted amount|
|Late payment fee||S$100|
|Cash advance fee||S$15 or 6% of the withdrawn amount, whichever is more|
|Supplementary card fee||Free for life|
Yes, you need to activate your credit card when you travel overseas. If you select the card activation feature on your credit card application form, then you will get your new card with the activation. The card remains deactivated for your safety. It prevents the card from being used for any unauthorised transactions. The bank will only disable your credit card for ATM withdrawals and POS magnetic stripe transactions.
You can activate or deactivate your card for overseas use in the following manner:
Citi offers two types of instalment payment plans, which are:
Split your big-ticket purchases into affordable and flexible instalments at 0% interest. This plan is accepted at over 1,000 participating merchant outlets. You can spread your payments over 24 months without any processing fee or additional charges.
All you have to do is ask for this plan at the outlet and charge the transaction to your credit card. Please know that you will not earn any reward points or rebates when you pay through the Equal Payment Plan.
Spend a minimum of S$500 or more at a participating merchant outlet and pay the entire amount in instalments with Paywise. This plan offers 0% interest on your instalments and you can repay the amount over a tenure of 6 months. However, you have to pay an upfront service fee of 5% and the plan has an EIR of 25.18% p.a.
If you need urgent cash but do not have enough time to take a personal line of credit or a personal loan, you can withdraw cash from your credit card. The amount of cash you are allowed to withdraw depends on your approved credit limit. The bank charges an interest rate of 26.9% p.a., applicable the moment you withdraw the money. In addition, you will also have to pay an advance fee of S$15 or 6% of the withdrawn amount, whichever is more.
You can withdraw up to 100% of your credit limit using your Citi PremierMiles Visa Card from more than 500,000 Visa Plus ATMs across the world. Cash advance should be your last resort except in an emergency situation.
Apart from the usual eligibility criteria the Citi PremierMiles Visa Card requires a minimum annual of S$30,000 for Singaporeans and S$42,000 for permanent residents and foreigners.
In case you lose your credit card or it gets stolen and you find out that the card has been used for illegal purposes, you must notify Citi immediately by calling on the 24/7 hotline. If the bank is convinced that the loss of your card is not due to your negligence or you have not acted fraudulently, then your liability on unauthorised transactions is limited to S$100.
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To enable the auto debit feature on your card, you must download the Direct Debit Authorisation form, fill in the details, and send it to the bank. Citi will debit the set amount 3 working days before the due date. To terminate this feature, you must write to the bank one month in advance.
You can give standing instructions to Citi by following the below steps:
To apply for the Citi PremierMiles Visa Card, you can do the following:
If you want to check the status of your application, you can use the following platforms:
To check your credit card balance, you can use the below platforms:
You can also choose to fill up an online enquiry form or send an email in a required format.
You can pay your credit card bills in the following ways:
The minimum amount you need to pay on this credit card is calculated on the basis of 1% of the current balance, 1% of any remaining unbilled instalment amount, interest charges, late payment fee, and any unpaid amount, or S$50, whichever is higher. If your current balance is below S$50, then that amount will be considered as your minimum payment amount.
The grace period or the interest-free period for the Citi PremierMiles Visa Card is 25 days starting from the statement of account date.
You can use your Citi PremierMiles Visa Card with the following mobile wallets:
Although the EZ-Link facility is not available on this card, you can use the EZ-Pay facility while commuting through your car anywhere across the island. Upon registering for the EZ-Pay feature, you can commute without needing to stop at any ERP gantry. This eliminates the need to top up any card.
If you want to block or unblock your credit card, you can use any one of these methods to do so:
To reset your PIN, you can use the following platforms:
You will get your credit card bill once every month. The billing cycle starts from your card approval date. The monthly statement will mention the date by which you need to pay the bill amount. Make sure you pay at least the minimum amount, the entire bill amount or a part of it by the set due date, failing which you will incur late payment charges. The billing cycle is a 30-day period.
In case your card is lost or stolen and you need a replacement card urgently, you can report it via the Citi Mobile App. Simply download the app and log in with your username and password. Once you have made a request, the credit card will be blocked permanently. The replacement card with the PIN will be sent to your registered address.
You can also make a request for a replacement card through Phone Banking and Citibank Online. Just follow the instructions once you log in. if you do not have a Citibank Online account, you can call the bank on their 24/7 CitiPhone Banking hotline.
You can request for a temporary increase in your credit limit through the Phone Banking service of the bank.
Follow the steps below to request for a permanent increase in your credit limit:
Alternatively, you can log into your Citibank Online account and request for an increase.