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Citi PremierMiles
Miles card by Citi · Easy · No minimum spend
Earns 1.2 mpd on all spend in S$ and 2.2 mpd in a foreign currency. Annual fee: S$196.20.
Earn rate1.2 mpdall spend in S$
Everything else1.2 mpdin S$
Foreign currency2.2 mpdbefore fees
Annual feeS$196.20
Checked against Citi's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Everything else, in S$ | Any way of paying | 1.2 mpd |
| Everything else, in a foreign currency | Any way of paying | 2.2 mpd |
The bank's full earning rules
- 1.2 Citi Miles per S$1 on local retail purchases (denominated in S$), 2.2 per S$1 on overseas retail purchases (any other currency); rounded down on each transaction (clauses 3.1–3.2).
- Supplementary cardmembers' spend counts toward the basic cardmember; supplementary cardmembers earn no miles themselves.
- 10,000 Citi Miles on renewal if you paid the annual fee in cash and charged retail purchases that membership year (clauses 3.4–3.5).
- Agoda bookings via Citi's landing page: extra 5 Citi Miles per S$1 (Citi's Agoda promotion T&Cs, updated Nov 2025).
- Uncapped.
Where the bonus applies
- All eligible retail spend
Earns nothing on
- Annual fees, interest, late charges, GST, cash advances, instalment and payment plans, balance transfers, quasi-cash, fees and…
- Fund transfers using the card; bill payments through any channel or agent
- Payments to educational institutions, government institutions and services (incl. parking and garages), insurance companies, financial…
- Betting or gambling; top-ups or payments to payment service providers and prepaid accounts; transit-related transactions
- Never earn (Citi Rewards Exclusion List, effective 16 Dec 2024), by MCC: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513…
See all 6
- Annual fees, interest, late charges, GST, cash advances, instalment and payment plans, balance transfers, quasi-cash, fees and miscellaneous charges (clause 3.3)
- Fund transfers using the card; bill payments through any channel or agent
- Payments to educational institutions, government institutions and services (incl. parking and garages), insurance companies, financial institutions and non-profit organisations
- Betting or gambling; top-ups or payments to payment service providers and prepaid accounts; transit-related transactions
- Never earn (Citi Rewards Exclusion List, effective 16 Dec 2024), by MCC: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523 (parking), 7800 (US only), 7995, 8062 (hospitals), 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9754
- Never earn, by merchant or statement description (same list; not exhaustive, any combination or part of these counts): AXS, AMAZE*AXS, BANC DE BINARY, BUS/MRT, AMAZE*BUS/MRT, EZ-link, AMAZE*EZ-link, OANDA ASIA PAC, SAM, Saxo Cap Mkts Pte Ltd, SIMPLYGO*, SPL AUTO*, SPL ATU*, SPL ONLINE*, SKYFX.COM, TL-ABT, TRANSIT, AMAZE*TRANSIT, Transit Link, Youtrip Singapore SG
Fees and limits
Annual feeSGD 196.20 incl. 9% GST. Paying the fee earns a 10,000 Citi Miles renewal bonus.
Minimum incomeSGD 30,000 (Singaporeans/PRs); SGD 42,000 (foreigners).
Overseas feeUp to 3.25% administrative fee on the converted S$ amount of foreign-currency transactions; 1% on dynamic currency conversion and on S$ transactions processed overseas (Cardmember's Agreement clause 6.9).
Rewards expiryCiti Miles never expire (Cardmember's Agreement clause 3.6).
Turning rewards into miles or cashCiti Miles convert to airline miles via Citi's points transfer; Citi charges an admin fee of S$27.25 incl. GST per transfer (Citi points transfer page).
Good to know
Uncapped: 1.2 mpd on S$ purchases, 2.2 mpd on purchases in a foreign currency (Cardmember's Agreement clause 3.1), rounded down per transaction. Citi Miles never expire (clause 3.6).
Agoda promotion (Citi's own T&Cs, updated Nov 2025): an extra 5 Citi Miles per S$1 on pre-paid hotel bookings made through agoda.com/bonusmiles, bookings until 31 Dec 2026 and stays until 30 Apr 2027 (up to 7.2 mpd on a foreign-currency booking). Not modelled.
The product page also mentions Kaligo (up to 10 mpd); no Citi document I have confirms this, so it is not used.
Where these facts come from
Citi PremierMiles – Agoda Year Long Promotion T&Cs (file supplied by Dianne)updated Nov 2025; bookings to 31 Dec 2026, stays to 30 Apr 2027
Citi PremierMiles Cardmember's Agreement (clause 3 = Citi Miles programme)printed Feb 2025, effective 1 May 2025
Citibank Pricing Guideprinted Sep 2026
Citi Rewards Exclusion List (ThankYou Points / Citi Miles / Cash Back)updated Nov 2024, effective 16 Dec 2024
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