Citi PremierMiles Visa Card is the best travel card available for people who travel often–and would like a few perks–but aren't willing to pay a high fee for them. Cardholders earn a respectable rewards rate of 1.2 miles per S$1 local spend, 2 miles overseas, and up to 10 miles with select travel booking sites. And, unlike some competitors, miles earned never expire and can be flexibly redeemed with over 60 airlines and 8,000 hotels. Even more, cardholders enjoy 2 free airport lounge visits/year and travel insurance–plus an added bonus of 10,000 renewal miles each year (worth S$100). This easily offsets the S$192.6 fee, making Citi PMV Card one of the most affordable ways to earn miles and enjoy perks.
What Makes Citi PMV Card Stand Out
Citi PremierMiles Visa Card is an excellent miles-earning card for average spenders who enjoy travel perks, but aren't interested in spending a huge annual fee. Citi PMV Card works well for earning miles from daily purchases. All local spending earns 1.2 miles per S$1 spend, and overseas spend earns 2 miles, which is fairly standard. However, through promotions with travel booking sites like Agoda, Expedia and Kaligo, Citi PMV cardholders can earn up to 10 miles per S$1 spend and receive up to 15% off hotel bookings. Citi PMV cardholders also enjoy great flexibility with over 60 participating airlines and 8,000 hotel properties. Also, miles never expire, unlike for many other travel cards, allowing consumers to earn and redeem at their own pace. In the meantime, consumers can enjoy free travel insurance and up to 2 complimentary lounge visits per year.
While Citi PMV Card has a lot to offer, it does charge an annual fee of S$192.6, waived only the 1st year. While there are other cards on the market allowing consumers to earn miles without paying an annual fee, Citi PMV Card offers a depth and breadth of privileges not available with these no-fee options. Cardholders receive 21,000 bonus miles as a welcome gift after paying their first annual fee and spending a total of S$7,500. In addition, consumers later receive another 10,000 miles when they renew their membership and pay their annual fee. This welcome bonus and annual gift go a long way to offset the S$192.6 annual fee.
Finally, Citi PMV Cardholders have access to the Citi PayAll programme. Consumers can earn miles at the standard card rate for paying their taxes, rent, condominium management fees, school fees, and electricity bills, as long as they're willing to pay a 1.5–2% service fee. As this service fee is slightly higher than the rewards rate, Citi PayAll primarily offers a way to buy miles at a "discounted rate" (in other words, their redemption value is higher than their "cost"). Overall, consumers willing to spend a moderate annual fee for travel perks and the opportunity to earn miles across diversified spend would be well-served by Citi PMV Card.
How Does Citi PMV Card's Rewards Program Work?
Use our quick and easy-to-read guide below to learn how you can actually redeem Citi PMV Card's rewards.
- Citi Miles do not expire
- 1 Citi Mile = 1 mile when redeemed
- 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 PMV Card's Features and Benefits:
|Rewards Rate Details |
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Citi PMV Card's Rewards Exclusions
Some credit card expenditures are ineligible for earning rewards. We identify these exclusions below.
How does the Citi PMV Card Compare Against Other Cards?
Read our comparisons of Citi PMV 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 PMV Card v. Citi PremierMiles American Express Card
Citi PremierMiles American Express Card is almost identical to Citi PMV Card. Although Citi PM Amex Card requires a salary of at least S$80,000 per year and has a higher annual fee of S$267.5, this is offset by an annual membership renewal gift of 15,000 miles (S$150 value-to-consumer) after the annual fee is paid. In terms of rewards, Citi PM Amex Card offers 1.3 miles per S$1 local spend and 2 miles per S$1 overseas spend or spend with SingaporeAir, SilkAir, or KrisShop. A benefit worth mentioning is that cardholders have access to both Citi Privileges and American Express Selects. Consumers who are willing to forgo some of the deals and discounts available to Citi PM Amex cardholders in exchange for more welcome bonus miles might consider Citi PMV Card instead.
Citi PMV Card v. Citi Prestige MasterCard
Affluent consumers, especially Citibank customers with Citigold status, would benefit from Citi Prestige MasterCard if they're looking for a travel card with high rates for earning miles as well as luxury perks. Cardholders must earn at least S$120,000 per year and pay a non-waivable annual fee of S$535, so this card isn't for everyone. However, higher spenders who meet these requirements receive access to exclusive travel deals and privileges that legitimize the card's price, such as unlimited complimentary access to airport lounges worldwide, free hotel and resort stays, limousine transfers, golf privileges, and more. Cardholders earn 1.3 miles per S$1 local spend, and 2 miles per S$1 overseas spend, while Citigold status members earn even higher mile rewards. For consumers that are willing to pay for luxury perks while earning miles might consider Citi Prestige MasterCard. However, consumers who are satisfied with standard perks for a moderate annual fee, and value flexibility in redeeming miles, Citi PMV Card could be a great option.
Citi PMV Card v. HSBC Revolution Card
HSBC Revolution Card is a great option for average spenders seeking an affordable miles card that rewards social behavior, even if at the expense of travel perks. Cardholders earn 2 miles for every dollar spend on local dining and entertainment as well as online purchases, including airline transactions and insurance premiums. While all other purchases are rewarded at 0.4 miles per S$1, the card itself has no minimum qualifying spend so consumers begin earning rewards immediately. The annual fee of S$160.5 is waived for two years, and then subsequently for every year wherein the consumer spends S$12,500. HSBC Revolution Card is great for medium to lower spenders who would like for their social lifestyles to be rewarded with miles, without paying an annual fee. However, if consumers spend a bit more per month and are willing to pay a moderate annual fee for travel perks, it might be worth considering Citi PMV Card instead.
Citi PMV Card v. American Express Singapore Airlines KrisFlyer Card
Singapore Airlines loyalists and consumers who value promotions and welcome gifts might want to consider American Express Singapore Airlines KrisFlyer Card. This card is one of the best travel cards on the market for earning bonus miles. New cardholders, for example, receive 5,000 KrisFlyer miles with their first purchase and can earn up to 15,000 miles with a spend of at least S$10,000 within the first 6 months. On top of this, Amex is providing S$150 cashback for use on Singapore Airlines when you spend S$12,000 on the card. Consumers also earn a rewards rate of 2 miles per S$1 spend on SingaporeAir online, SingaporeAir mobile app, SilkAir online and KrisShop (in-flight and online), with no cap. Overall, when considered alongside access to American Express Selects discounts and Hertz Gold Plus Rewards privileges worldwide, Amex KrisFlyer Card offers travellers access to bonuses and special rewards while they earn miles. However, Citi PMV Card is a better fit for consumers seeking flexibility in miles redemption.
Citi PMV Card v. DBS Altitude Card
Consumers looking to earn miles while avoiding an annual fee might want to consider DBS Altitude Card. While DBS Altitude Card does have an annual fee of S$192.6 at face value, this fee is waived the first year, and then subsequently for every year wherein the consumer spends S$25,000. Coming out to about S$2,100 in spend per month, it would be fairly easy for an average spender to avoid annual fees completely with the DBS Altitude Card. The card itself comes with great benefits. Cardholders earn 1.2 miles for every S$1 local spend, 2 miles per S$1 overseas spend and 3 miles per S$1 spent online with select travel partners (Singapore Air, Agoda, Expedia and more). While other travel cards only offer higher miles per spend for online bookings as part of a promotion, DBS Altitude Card offers this as part of the card's policy. In addition, miles never expire. For consumers looking to avoid an annual fee while earning miles, DBS Altitude Card is one of the best options out there. Citi PMV Card might be better for those who'd like a few more travel perks and are willing to pay a moderate annual fee for them.