Miles vs Cashback

Citi PremierMiles Card

Flexible travel miles that never expire, with a wide range of transfer partners.

Issuer
Citibank
Network
Visa
Rewards
Miles
Annual fee
Annual fee — often waivable
Strong overseasLounge access
TravelOverseas spendGeneral spend

Pros

  • +Citi Miles never expire, so no rush to redeem
  • +~2.2 mpd on foreign spend, good for travel
  • +Wide transfer-partner list for flexible redemptions
  • +Lounge access; first-year fee waived

Cons

  • S$196.20 annual fee from year two onward
  • Low ~1.2 mpd on local spend
  • Not especially beginner-friendly
Annual feeS$196.20as of 16 Jun 2026
Miles per $1 (local)1.2 mpdas of 16 Jun 2026
Miles per $1 (foreign)2.2 mpdas of 16 Jun 2026
Min. income (S'porean/PR)S$30,000/yras of 16 Jun 2026
Min. income (foreigner)S$42,000/yras of 16 Jun 2026

Eligibility: Age 21+. Foreigners need a valid Employment Pass.

Who it’s for

The Citi PremierMiles Card is a air miles card from Citibank, best suited to people who spend on travel, overseas spend and general spend. It's strong for overseas spend and includes lounge access. It carries an annual fee that can often be waived — confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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