Citi PremierMiles American Express Card: Should You Get It?

Citi PremierMiles American Express Card: Should You Get It?

Travel Card with Citi and Amex Privileges

Good for

  • High-earning travellers who prefer to fly with Singapore Airlines and SilkAir
  • Consumers who enjoy travel perks and are willing to pay a fee for them
  • Individuals who value flexibility in miles redemption
  • People who want access to both Citi & Amex's unique set of deals worldwide

Bad for

  • Higher spenders who are willing to pay more for luxury perks
  • Consumers who rarely travel and would like to maximise rewards from local spend
  • Individuals who would like to avoid cards with annual fees
  • Consumers seeking travel cards with promotions and bonus miles

Editor's Rating

5.0/5.0

Citi PremierMiles American Express Card offers one option for consumers seeking travel perks, who are willing to pay an annual fee. This card is fairly standard in terms of miles-earning potential, and is very similar to Citi PremierMiles Visa Card. While it has a slightly higher annual cost of S$267.5, this is offset by an annual renewal bonus of 15,000 miles (equivalent to approximately S$150). What differentiates Citi PM Amex Card is its access to both Citi World Privileges and American Express Selects, which offer unique curated discounts. On the other hand, the card does not offer welcome gifts to new cardmembers. This is a bit of a disadvantage, as many travel cards, including Citi PMV Card, offer great sign-on deals with bonus miles.

ProsCons
  • 1.3 miles per S$1 on local spend
  • 2 miles per S$1 on overseas spend, Singapore Airlines, SilkAir, KrisShop
  • Complimentary travel insurance & 2 free lounge visits per year
  • Up to 14% on fuel savings at Esso and Shell
  • Citi World Privileges AND American Express Selects deals
  • 15,000 miles renewal bonus on payment of annual fee
  • High annual fee of S$267.5, only 1st year waived
  • S$25 administrative fee for each Frequent Flyers Program redemption

What Makes Citi PM Amex Card Stand Out

Citi PremierMiles American Express Card is most relevant to consumers who are willing to pay for travel perks, and prefer flexibility in mile redemption. While Citi PM Amex Card isn't for everyone–cardholders must earn at least S$80,000 per year to qualify for approval–it does offer benefits like complimentary travel insurance and 2 free airport lounge visits per year. Consumers earn 1.3 miles per S$1 local spend and 2 miles per S$1 spent on Singapore Airlines, SilkAir, KrisShop or on overseas transactions. Miles never expire and can be redeemed for cash rebates (1,400 miles convert to S$10 cashback) or with over 60 airlines and 8,000 hotel properties through the card's Frequent Flyer and Hotel Loyalty Programs. While most of these offers are very similar to Citi PMV Card, Citi PM Amex Card is unique in offering access to both Citi World Privileges and American Express Selects.

Despite these features, Citi PM Amex Card has an annual cost of S$267.5 which, like the salary requirement, limit accessibility. This fee might be a deterrent for those seeking a low maintenance card or who don't travel frequently enough to maximise miles earnings. This cost is offset by an annual renewal bonus of 15,000 miles (approximately S$150 value-to-consumer) with payment of the annual fee. Another balancing factor is access to deals with select merchants through Citi World Privileges and American Express Selects. Cardholders can regularly take advantage of 15% off select hotels, restaurants, and fashion retail around the world.

Overall, Citi PM Amex Card may be helpful to travellers seeking miles rewards and who are willing to pay an annual fee to access privileges. However, even with unique benefits like access to multiple discount programs, Citi PM Amex still does not provide as much value as its parallel, Citi PMV Card. Citi PMV Card offers a sign-on bonus of 21,000 miles after a S$7,500 spend and is more accessible in terms of having a lower salary requirement and lower annual fee (S$192.6, offset by 10,000 miles renewal bonus). Consumers, in general, might want to consider Citi PMV Card for a standard travel card with perks and privileges.

How Does Citi PM Amex Card's Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you can actually redeem Citi PM Amex Card's rewards.

  • Citi Miles do not expire
  • 1 Citi Mile = 1 mile when redeemed
  • 1 Citi Mile = 1 IHG Rewards Club point
  • 1,400 Citi Miles = S$10 cash rebate
  • There is an administrative fee of S$25 per redemption
  • Each mile redemption must be in multiples of 2 miles, subject to a minimum of 500 miles and a maximum of 100,000 miles per day

Citi PM Amex Card's Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesAnnual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions, all fees charged by Bank or third party, miscellaneous charges imposed by Bank (unless otherwise stated in writing by Bank)
Transfers & Bill PaymentsFunds transfers using the card as source of funds, bill payments (including via online or via any other channel or agent)
Institutional PaymentsPayments to educational institutions, government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases), insurance companies (sales, underwriting, and premiums), financial institutions (including banks and brokerages), non-profit organizations
Betting or GamblingLottery tickets, casino gaming chips, off-track betting, and wagers at race tracks, through any channel
Payment Service ProvidersAny top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts
TransitAll transit-related transactions

Citi PM Amex Card's Features and Benefits:

Citibank PremierMiles American Express Card
Details & Benefits
Annual FeeS$267.5, No waiver
Annual Income RequirementS$80,000 for locals, S$80,000 for foreigners
Card Details
  • 1.3 miles per S$1 on local spend
  • 2 miles per S$1 on overseas spend, Singapore Airlines, SilkAir, KrisShop
  • Complimentary travel insurance & 2 free lounge visits per year
  • Up to 14% on fuel savings at Esso and Shell
  • Citi World Privileges AND American Express Selects deals
  • 15,000 miles renewal bonus on payment of annual fee

How does the Citi PM Amex Card Compare Against Other Cards?

Read our comparisons of Citi PM Amex Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

Citi Premier Miles American Express Card provides below average value-to-consumer after two years based on an average monthly spend of S$2,000, but offers travel privileges and discounts not captured within this metric

Citi PM Amex Card v. Citi PremierMiles Visa Card

Consider this if you are looking for a standard miles rewards credit card

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi PremierMiles Visa Card is a great alternative to Citi PM Amex Card for consumers who value travel perks but would prefer to pay a slightly lower annual fee. Citi PMV Card offers travel perks and rewards rates fairly similar to the somewhat pricier Citi PM Amex Card. Cardholders earn 1.2 miles for every S$1 in local spend, 2 miles for every S$1 spend overseas, and up to 10 miles per S$1 with select travel sites during promotions. Additional benefits include travel insurance and 2 complimentary visits to airport lounges per year.

While Citi PMV Card has an annual fee of S$192.6, waived only the 1st year, the cost is offset by an annual renewal gift of 10,000 miles (approximate value of S$100) with payment of the annual fee. New cardmembers also receive 21,000 bonus miles after paying the annual fee and spending S$7,500. Citi PMV Card's bonuses add enough value for the card to stand out from Citi PM Amex Card, despite similar base rewards rates. With its lower annual fee and lower salary requirement, Citi PMV Card may be a more affordable and accessible option for consumers seeking a standard travel card with perks and privileges.

Citi PM Amex Card v. Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

For high-earners who are less concerned with annual fees and more interested in luxury travel perks, Citi Prestige MasterCard may be an excellent option. With a mandatory qualifying salary of S$120,000 per year and a non-waivable annual fee of S$535, there certainly is a barrier to entry. However, the luxury benefits afforded to cardholders provide added value that some may consider worth the cost. Citi Prestige MasterCard goes above and beyond by offering unlimited complimentary access to airport lounges around the world, free nights at hotels and resorts, limousine transfers, golf privileges, complimentary travel insurance and more. Cardholders also earn 1.3 miles per S$1 local spend and 2.4 miles per S$1 overseas spend. Consumers even receive an annual bonus based on the tenure of their relationship with Citibank, and customers with Citigold status earn extra miles per purchase. For consumers willing to invest in a travel card that offers luxury benefits at a high fee, Citi Prestige MasterCard is a great option. However, consumers who are willing to accept fewer privileges in order to pay a lower annual fee, Citi PM Amex Card or Citi PMV Card might be a better fit.

Citi PM Amex Card v. DBS Altitude Card

Consider this if you are looking for a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

Average spenders looking for a travel card with an easy-to-waive annual fee might consider DBS Altitude Card. This card offers rewards rates on par with market standards with 1.2 miles per S$1 local spend, 2 miles per S$1 overseas spend and 3 miles per S$1 spend online with select travel partners (singaporeair.com, agoda.com, expedia.com and more). Travel perks are also fairly standard, including travel insurance and 2 free airport lounge visits per year. However, DBS Altitude stands out for its annual fee of S$192.6, which is waived the 1st year and then every year after that the cardholder spends S$25,000. This amount is fairly accessible to the average spender. Consumers looking for an affordable travel card with perks, but an avoidable annual fee might be well-served by DBS Altitude Card. Those seeking expanded perks and discounts and who are willing to pay a fee for them may want to consider Citi PM Amex Card instead. Perhaps an even better alternative would be Citi PMV Card.

Citi PM Amex Card v. HSBC Revolution Card

Consider this if you spend mostly on shopping, dining and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

HSBC Revolution Card is a great option for average spenders seeking affordable miles as a reward local dining, entertainment, and online purchases. HSBC Revolution Card rewards these purchases with 2 miles per S$1 spend. All other purchases receive only 0.4 miles per S$1 spend, so this card primarily benefits a social lifestyle. HSBC Revolution Card is especially affordable because its annual fee of S$160.5 is waived for 2 years, and then for every year after in which the cardholder spends at least S$12,500. This is accessible for most average spenders, making the card easy and low maintenance. HSBC Revolution Card does not offer travel perks, however, and is positioned as a points card. Travellers seeking travel benefits and privileges might want to opt for a card like Citi PM Amex Card which offers such perks, along with special discounts–though Citi PMV Card would also serve as an excellent option with welcome bonus miles.

Citi PM Amex Card v. American Express Singapore Airlines KrisFlyer Card

Consider this if you want an easy to use miles card and fly mostly on Singapore Airlines' various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

Of the two American Express options, American Express Singapore Airlines KrisFlyer Card offers a wide variety of bonus miles and promotions that make the card great for consumers seeking convenience and extra rewards. Amex KrisFlyer Card offers easy ways to both earn and redeem miles. The card has a base rate of 1.1 KrisFlyer miles per $1 spend and higher rewards rates like 2 KrisFlyer miles per S$1 spend on singaporeair.com, SingaporeAir mobile app, silkair.com and KrisShop (in-flight and online). What really elevates earnings are the welcome gifts and promotions. Cardholders receive 5,000 KrisFlyer miles with their first purchase after approval, and after a S$6,000 spend within the first 6 months receive up to 15,000 additional miles. After S$12,000 spend, cardholders earn another S$150 cashback for use on Singapore Airlines. Miles can be easily redeemed directly with Singapore Airlines without administrative fees.

While Amex KrisFlyer Card offers great miles-earning promotions and easily redeemable miles, it does lack flexibility. Consumers who fly outside of Singapore Airlines will not maximise benefits from their spend. Those seeking greater flexibility in earning and redeeming miles may want to consider a Citi PremierMiles Card such as Citi PM Amex Card, or for greater accessibility and value, Citi PMV Card.

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