Citi PremierMiles American Express Card: Should You Get It?

Citi PremierMiles American Express Card: Should You Get It?

One of our favorite air mile travel cards. Excellent value coupled with generous travel perks.

Good for

  • Consumers who want to earn maximum amount of miles
  • Travellers who value extra perks like Priority Lounge Pass

Bad for

  • Consumers who don't want to pay an annual fee for a miles card
  • People whose expenditure tends to be concentrated in one or two areas

Editor's Rating

5.0/5.0

This card is one of the most well-balanced travel reward cards available in Singapore. Although its annual income requirement of S$80,000 is on the high end, this card can be extremely valuable for those who want to earn a lot of air miles while also enjoying a diverse set of travel perks. Citi PremierMiles Amex Card is great for an average consumer because it’s relatively affordable to use, earns great miles and provides flexible redemption with over 60 airlines and 8,000 hotel properties.

Highlights of Citi PremierMiles Amex Card

  • Annual fee: S$192.6, waived 1st year
  • 1.3 miles for S$1 spent locally, 2 miles for S$1 spent overseas
  • Up to 10 miles per S$1 spent on online travel booking sites like Kaligo and Agoda
  • Flexible miles convertibility to over 60 airlines & 8,000 hotel properties, including Star Alliance, Skyteam, IHG rewards and Hilton HHonors points
  • Complimentary travel insurance and Priority Pass Membership for free lounge access
  • Access to Citi Privileges & Amex Selects globally
  • 14% off petrol spend at Shell & Esso
  • Promotion: 15,000 miles when you pay the annual fee and renew
  • Read Our Full Review

What makes the Citi PremierMiles American Express Card stand out

First, Citi PremierMiles American Express Card stands out with its rich set of benefits. It provides 1.3 miles per S$1 spent locally, and 2 miles per S$1 spent overseas or on expenses with Singapore Airlines and its subsidiaries. This compares favorably to other competing products, even the Citi PremierMiles Visa Card. For example, this card's competing products tend to provide 1.2 miles per S$1 spent in Singapore or charge significantly higher annual fees. Also, it's important to note that Citi miles are especially valuable because they can be seamlessly transferred to over 60 airlines and 8,000 hotel properties, including Singapore Airlines (KrifsFlyer), Korean Air (SkyMiles) and Hilton Hotels (HHonors points). Therefore, Citi PremierMiles Amex card works particularly well for travelers who aren’t particularly loyal to one airline or hotel brand, and prefer to shop around for the best prices.

Although the Amex version charges a slighlty higher annual fee than its direct competitors, it more than compensates by providing 15,000 bonus miles for each time you pay the annual fee of S$267.5 to renew the card. As if that were not enough, Citi PremierMiles Amex Card grants you access to a very rich set of special deals around the globe through American Selects and Citi Privileges, which can provide special deals at restaurants, shows and other establishments all over the world. Furthermore, it provides a rather comprehensive travel insurance for free, covering various things like accidents, deaths and lost or delayed luggage. Finally, you can save 14% off your petrol purchase at Shell & Esso stations in Singapore, a courtesy of Citibank.

To summarize, Citi PremierMiles Card combines a great affordability, abundant mile awards, flexible redemptions and smart savings into one card. If you are not looking to spend too much money, but still want to reap the benefits of a quality travel card, Citi PremierMiles Card could definitely be an adequate solution to fulfill your needs.

Citi PremierMiles American Express Card's Features and Benefits:

Citibank PremierMiles American Express Card
Citi PremierMiles American Express Card’s FeaturesDetails
Annual fee
  • S$267.5
  • 15,000 miles when you pay the annual fee and renew
Income RequirementS$80,000 per year for both citizens & foreigners
APR24%
Benefits
  • 1.3 miles for S$1 spent locally, 2 miles for S$1 spent overseas
  • Up to 10 miles per S$1 spent on online travel booking sites like Kaligo and Agoda
  • Flexible miles convertibility to over 60 airlines & 8,000 hotel properties, including Star Alliance, Skyteam, IHG rewards and Hilton HHonors points
  • Miles never expire
  • Complimentary travel insurance and Priority Pass Membership for free lounge access
  • Access to Citi Privileges & Amex Selects globally
  • 14% off petrol spend at Shell & Esso
  • Promotion: 15,000 miles when you pay the annual fee and renewEarn 1.2 Citi Miles for every S$1 you spend locally

How Does the Citi PremierMiles American Express Compare Against Other Credit Cards?

We have done a compare and contrast analysis of Citi PremierMiles Amex Card against other cards in the market. Read below to learn how they are different and which card would be most suitable for your circumstances.

A graph displaying how Citi PremierMiles Card compares to other cards in Singapore in terms of their rewards
Citi PremierMiles American Express Card vs Other Cards by Dollar Value*

Citi PremierMiles Amex vs Citi Prestige MasterCard Credit Card

Citi Prestige MasterCard Credit Card is essentially a higher-end version of Citi PremierMiles Card. While Citi PremierMiles American Express Card charges S$267.5 of annual fee (no waiver), Citi Prestige MasterCard Card costs S$535 per year to use. Despite this difference, Prestige awards you 1.3 miles for your local spend, which is the same as 1.2 miles awarded by PremierMiles Amex Card. However, Prestige also includes many more perks like unlimited VIP lounge access, 25,000 bonus miles at sign up, free 4th nights at hotels and a whole bunch of other rewards. Other attributes are quite similar. Both cards reward you 2 miles for every dollar spent overseas and 10x miles for every dollar spent on travel. So if you are looking for a decent travel card that doesn’t require a lot of spending and you don’t care much for perks, Citi PremierMiles American Express Card might be a better choice for you. If you like to travel in style and you have the budget to support a high level of expense, we think Citi Prestige MaterCard Card could be a better fit.

Citi PremierMiles Amex vs DBS Altitude

DBS Altitude Card is a middle of the road travel card that is quite suitable for people who crave a mix of affordability and rich awards. DBS Altitude Card requires an annual fee of S$192.6 and provide 1.2 miles for S$1 spent locally and 2 miles for S$1 spent overseas, all of which are slightly lower than Citi PremierMiles Amex Card. In our mind, the biggest difference between DBS Altitude and Citi PremierMiles is the tradeoff between annual fee and mile rewards. While Citi Premier does not waiver its annual fee, DBS Altitude waivers your first year’s fee and subsequently waivers annual fee for those who can spend least S$25,000 a year on the card. To make up for this difference, Citi PremierMiles provides 1.3 miles per S$1 spent. Also, Citi PremerMiles Amex Card charges a slightly higher annual fee (difference of about S$60), but awards you up to 15,000 miles each year when you renew. Ultimately, if you tend to spent a lot more than S$2,000/month in Singapore, Citi PremierMiles Amex Card could be the better option. If not, DBS Altitude could be a more economical choice.

Citi PremierMiles Amex vs HSBC Revolution Card

HSBC Revolution Card is a great air miles card targeted toward the average consumer that we think would be a great fit for people looking to balance their active social lives and love of shopping with the constraints of a modest budget. It does this by beating the Citi PremierMiles American Express Card on affordability, allowing customers to avoid paying the S$160.5 annual fee by waiving the fee for the first 2 years and requiring a very low annual spend of only S$12,500 to waive the fee in subsequent years. This makes it very easy for people to reap all the benefits of the HSBC Revolution and earn miles at essentially no cost. For the person who loves to eat out at restaurants, shop online, and enjoy all the nightlife Singapore has to offer, the HSBC Revolution Card is a better choice than Citi PremierMiles, as it awards 2 miles for every S$1 spent on dining, entertainment and online shopping.

If you don't tend to spend very much in these three categories, however, or spread your expenditures out among a wide variety of categories, we would recommend Citi PremierMiles over the HSBC Revolution.

Citi PremierMiles Amex vs Amex Krisflyer

American Express Singapore Airlines KrisFlyer Card is a really great card for an average person if you are new to travel cards and if you are a loyal Singapore Air or Silk Air customer. It is one of the few products in the market that provide direct credit into your KrisFlyer account, so you don’t need to worry about paying mile conversion fee that most other cards charge. Furthermore, Amex Krisflyer will also award you 2 miles for all your overseas spend and online travel bookings via Singapore Airlines or Silk Air.

So you if you want an easy and convenient card to use for redeeming miles and you don’t mind being limited to flying only Singapore Airlines or Silk Air, American Express Singapore Airliens KrisFlyer card is a great choice. On the other hand, Amex Krisflyer only awards 1.1 mile for all your local spending. Given this, Citi PremierMiles may be more suitable if you are looking for a more well-rounded and flexible card to use for using air miles.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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