The Citi PremierMiles Visa Card is a travel credit card that offers Citi Miles on your purchases. You will earn up to 10 Citi Miles per S$1 that you spend on your online travel bookings. For every S$1 that you spend overseas in a foreign currency, you will earn 2 Citi Miles. For every S$1 that you spend locally, you will earn 1.2 Citi Miles. Additionally, you will 10,000 Citi Miles when you renew your membership. Your miles do not expire on this card.
You can accumulate and redeem your miles through the participating Frequent Flyer Programmes as well as Hotel Loyalty Programmes. Additionally, you also have the option to redeem your air miles for cash rebate or even offset your purchases immediately at participating merchants across the world.
The Citi PremierMiles Visa Card comes with travel privileges including a Personalised Priority Pass Membership Card that offers complimentary access to numerous airport lounges. It also offers complimentary travel accident insurance, medical assistance programme and travel inconvenience cover. As this is a Visa credit card, you will have access to the “Visa Luxury Hotel Collection” and Visa privileges throughout the year.
New customers of Citibank who apply for this credit card can earn up to 42,000 miles as a welcome offer.
New customers of Citibank can up to 42,000 Citi miles in the following ways:
Alternatively, you can choose a 1-year annual fee waiver on your card as your joining perk.
Citi Miles are valid forever, which allows you to accumulate and redeem them when you really want to. These miles can be redeemed directly against tickets from around 60 airlines and bookings at over 8,000 hotels. Each Citi Mile is equal to 1 miles with the following frequent flyer programmes
List of Flyer Programmes for Citi PremierMiles Visa Card Holders
Citi Miles can also be redeemed against hotel loyalty programmes, with 1 Citi Miles being equal to 1 IHG Rewards Club points and 1.5 Hilton HHonors points. You can also redeem the miles directly at participating stores in Singapore and abroad, through Citi Thank You Rewards. If you prefer cash against your miles, you can get S$10 for each 1,400 Citi Miles. An administrative fee of S$25 will be charged for redemption.
You are eligible for a travel insurance coverage of up to S$1 million if you pay for your travel expenses using your Citi PremierMiles Visa Credit Card. The protections available are extensive, as mentioned in the table given below:
|Accidental death or Total Permanent Disability when using public transportation during your holiday||Up to S$1,000,000|
|Accidental death or permanent disability of your child||Up to S$50,000|
|Medical expenses due to injury or sickness during your trip||Up to S$40,000|
|Medical expenses due to injury or sickness of your child during your trip||Up to S$20,000|
|Emergency medical evacuation||Up to S$100,000|
|Repatriation expenses||Up to S$50,000|
|Flight Delay||Up to S$500 – S$100 for each 8-hour delay in a row|
|Luggage Delay||Up to S$500 – S$200 for each 8-hour delay in a row|
|Luggage Loss||Up to S$1,000, with S$500 per article|
|Trip Cancellation||Up to S$500|
|Trip Interruption||Up to S$500|
Citibank allows its credit card customers to convert their large purchases into instalments spread out over up to 2 years under the 0% Equal Payment Plan (EPP). This is available at around 1,000 selected merchants. Though it is a zero-interest plan, EPP transactions will attract interest charges if you are unable to pay the amount on time every month. However, converting your payments into EPP will not allow you to earn Citi Miles or get any cash rebates or reward points.
|Supplementary card fee||Free for life for all cards|
|Interest rate (annual)||26%|
|Late payment charges||S$100|
|Cash advance fee||6% or S$15, whichever is higher|
|Interest on cash advance (annual)||26.9%|
|Interest-free period||25 days from statement date|
There is a penal interest of 3% for both credit card purchases and cash advance in case you are unable to make the payments by due date. In case of regular good behaviour on your credit card management, you get a discount on interest rates – 20% for credit card use and 20.9% for cash advance.
The following fees will be applicable on all converted Singapore Dollar (SGD) transactions:
There are times when you are in dire need of cash, and Citibank understands this. To help you cope with urgent money requirements, the bank allows you to withdraw cash from your credit card at short notice without any further approvals or applications. You can withdraw cash from any Citibank ATM or from Visa’s global network of over 500,000 ATMs. The amount withdrawn can be up to 100% of your credit limit, depending on your available credit limits.
If you have the patience to wait for a term loan, you can apply for Citibank Quick Cash Instalment Loan that can be obtained by visiting one of the Citibank branches, calling (+65) 6238 8888, or applying for the loan online through Citibank website. The loan will be approved within an hour if you are able to provide the documents required correctly. You can collect the loan either in cash from your branch, or get it credited into your bank account. The effective interest rate is between 9% and 12.25%, with both preferential interest rate plans and normal interest rate plans. You can repay the loan in 1 to 5 years.
You can apply for the Citi PremierMiles Visa Card on bankbazaar.sg with just a few simple clicks and providing your personal, contact and financial information.
The minimum repayment amount for Citibank PremierMiles Visa Credit Card is S$50 OR 1% of current balance AND 1% of outstanding balance (if applicable) AND interest charges AND late payment charges (if applicable) – whichever of the two is higher. There are several ways to pay the bills:
Singapore’s banking regulations stipulate that your liability on a lost or stolen card is only up to S$100. However, this is subject to the following conditions