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    We found 1 Citi PremierMiles Visa Card Review
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    Citi PremierMiles Visa Card Review

    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 earn 10,000 Citi Miles when you renew your membership. Your Citi Miles do not expire on this card.

    You can accumulate and redeem your Citi Miles through the participating Frequent Flyer Programmes as well as Hotel Loyalty Programmes. Additionally, you also have the option to redeem your Citi Miles for cash rebate or 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 Citi who apply for this credit card can earn up to 42,000 Citi Miles as a welcome offer.

    Benefits of Citi PremierMiles Visa Card

    • Priority Pass Membership - With this personalised card, you will have access to Priority Pass lounges worldwide, 2 times every year
    • Citi World Privileges - You can make use of exclusive deals on travel, shopping and dining throughout the world with this credit card with partners across Singapore, Philippines, Dubai and many more.
    • Visa Luxury Hotel Collection – Enjoy special privileges at more than 900 luxury hotels worldwide until 31 December 2017. Privileges include complimentary room upgrades, Wi-Fi inside your room, continental breakfast every day, VIP Guest status and more.

    Citi PremierMiles Visa Card Promotions

    • Agoda - For every S$1 spent on booking hotels through Agoda, you can earn 6 Citi Miles up to 31 December 2017. Go to agoda.com/bonus miles to earn the extra Citi Miles.
    • Expedia - Book flights and hotels through expedia.com.sg/bonus rewards and get 3 Citi Miles for every S$1 spent until 28 February 2018.
    • Kaligo - For every S$1 spent on Kaligo.com, earn 10 Citi Miles until 31 December 2017.
    • Avis - Get a discount of up to 35% on Standard Rates and up to 30% on International Leisure Rates at Avis car rentals. The offer is valid up to 31 December 2017.
    • Hertz Asia - Up to 31 December 2017, get 10% off self-drive car rentals in Australia, New Zealand, Europe, Canada and USA at Hertz Asia. You also get a free rental day on choosing more than 6 days of car rental in a single booking.

    Joining Benefits/Perks

    New customers of Citi can earn up to 42,000 Citi Miles subjected to first year payment of annual fee:

    • Apply for this credit card and earn 15,000 Citi Miles on spending any amount in the first 3 months after card approval.
    • If you spend S$10,000 within 3 months, earn an additional 15,000 Citi Miles.
    • The S$10,000 spent on your card will earn you an additional 12,000 Citi Miles at the rate of 1.2 Citi Miles per S$1 spent (1.2 x 10,000 = 12,000).
    • This joining benefit is subject to the payment of the annual fee for the first year.

    Alternatively, you can choose a 1-year annual fee waiver on your card as your joining perk.

    Citi PremierMiles Visa Card Rewards Program

    • Up to 10 Citi Miles for every dollar spent on booking travel packages online.
    • 2 Citi Miles for the equivalent of S$1 spent outside Singapore in a foreign currency.
    • 1.2 Citi Miles for each dollar spent in Singapore.
    • 10,000 Bonus Citi Miles when you renew your membership.

    Citi Miles never expire.

    Insurance Benefits with Citi PremierMiles Visa Card

    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 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 million
    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

    Citi PremierMiles Visa Card Instalment Payment Plans

    Citi 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 more than 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.

    Annual Fees and Charges on Citi PremierMiles Visa Card

    Annual fee S$192.60
    Supplementary card fee Free for life for all cards
    Interest rate (annual) 26%
    Late payment charges S$100
    Cash advance fee 6% of the amount drawn 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.

    Charges on Citi PremierMiles Visa Card for Overseas Use

    The following fees will be applicable on all converted Singapore Dollar (SGD) transactions:

    • Up to 2.8% administrative fee if the transaction has been processed by Visa.
    • Dynamic Currency Conversion - For SGD transactions processed overseas, 1% of the transaction amount will be charged by Visa.
    • Transactions made in Singapore dollar but processed overseas will attract an administrative fee of 1% as charged by Visa.

    Cash Advance/Withdrawals

    There are times when you are in dire need of cash, and Citi 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 Citi 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 limit.

    If you have the patience to wait for a term loan, you can apply for Citi Quick Cash Instalment Loan that can be obtained by visiting one of the Citi branches, calling (+65) 6238 8888, or applying for the loan online through the Citi 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% p.a. and 12.25% p.a., with both preferential interest rate plans and normal interest rate plans. You can repay the loan in 1 to 5 years.

    How to Apply for Citi PremierMiles Visa Card

    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.

    Eligibility Criteria for Citi PremierMiles Visa Card

    • Minimum age: 21 years.
    • Minimum income: S$50,000 annually.

    Documents Required

    Salaried employees:

    • Copy of NRIC or Passport AND
    • Most recent original computerised payslip OR
    • Latest Tax Notice of Assessment OR
    • Last 12 months’ CPF statement

    Self-employed:

    • Photocopy of NRIC or Passport AND
    • Last 2 years’ Income Tax Notice of Assessment AND
    • Bank statements for the last 3 months.

    Foreigners:

    • Photocopy of Passport AND
    • Photocopy of Work Permit AND
    • Copy of telephone bill/utility bill/ bank statement with your name and address AND
    • Income Tax Notice of Assessment AND
    • Most recent original copy of your computerised payslip.

    How to Repay your Citi PremierMiles Visa Card Bills

    The minimum repayment amount for Citi PremierMiles Visa 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:

    • Fast And Secure Transfers (FAST) payment mode under Transfer Funds from Citi or other banks.
    • SMS Pay by registering for this service with the bank first, and only if you wish to pay the minimum amount or the full amount.
    • Through Citi online banking.
    • Using Mobile app.
    • Through phone banking.
    • At ATM and cash deposit machines.
    • At AXS Stations.
    • At SAM Machines.

    Reporting Lost/Stolen Citi PremierMiles Visa Card

    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:

    • You inform the bank as soon as you discover your credit card missing from your person, and get the card blocked.
    • Register a police complaint if you suspect that the card has been stolen.
    • You are able to prove that you are not involved in the fraud in any way.

    There are two simple ways in which you can report the loss/theft of your Citi credit card. The first is through the Citi Mobile App which allows you to not only report the incident to the bank but also apply for a replacement of your credit card. Your Citi Online username and password will be required for this method. However, if you do not have the said username and password set up, you can call the bank on their CitiPhone banking number which is available 24/7 on +65 6225 5225.

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