The Citi PremierMiles card pays 1.2 miles per dollar in Singapore and 2.2 miles per dollar overseas, charges a S$196.20 annual fee, and asks for S$30,000 income from citizens and PRs. The miles never expire while your account stays open, which is the quiet feature that keeps it on so many wallets. But 1.2 mpd locally is below what the newer entry cards now pay, so the card lives or dies on its sign-up bonus and its low-friction redemptions. Here is the 2026 maths, verified against Citibank's own terms, so you can decide whether it deserves a slot or whether you are paying S$196 a year out of habit.
Most reviews bury the figures under travel photos. Here is the whole card on one screen, current as of June 2026. Every line is cross-checked against Citibank's published terms and the two most detailed Singapore reviews.
| Item | Detail |
|---|---|
| Annual fee | S$196.20 (incl. GST), first year often waivable |
| Renewal bonus | 10,000 miles if you pay the fee, 0 if you waive it |
| Income (citizen / PR) | S$30,000 per year |
| Income (foreigner) | S$42,000 per year |
| Secured option | S$10,000 fixed deposit as collateral |
| Local earn rate | 1.2 miles per S$1 |
| Overseas earn rate | 2.2 miles per S$1 (foreign currency) |
| Agoda (Citi landing page) | Up to 7.2 mpd (FCY), 6.2 mpd (SGD), to 31 Dec 2026 |
| Kaligo hotels | Up to 10 mpd, uncapped |
| Miles expiry | Never, while the card stays open |
| Foreign currency fee | 3.25% |
| Transfer fee | S$27.25 per programme, per transfer |
| Transfer partners | 11 airline and hotel programmes at 1:1 |
A mile is worth roughly 1 to 2 cents depending on how you redeem it, so 1.2 mpd locally translates to about 1.2 to 2.4 cents of value per dollar spent. That is fine, not thrilling. The card's old reputation rested on being one of the first easy-to-get miles cards in Singapore, and the field has since caught up.
Overseas is where it earns its keep. At 2.2 mpd on foreign currency spend, an overseas holiday or a year of USD subscriptions can build a meaningful balance. The catch is the 3.25% foreign currency fee, which eats into that overseas premium. If most of your travel spend already runs through a multi-currency wallet, you may be better off pairing this card with a tool that sidesteps the FX markup. See our comparison of the best miles cards in Singapore for how the 2.2 mpd stacks up against rivals.
Citi runs two hotel-booking accelerators that quietly outrun the headline rates. Hotel bookings through the dedicated Citi x Agoda landing page earn up to 7.2 mpd in foreign currency or 6.2 mpd in SGD, valid to 31 December 2026. Bookings through Kaligo earn up to an uncapped 10 mpd.
For new-to-Citi applicants, the standout offer in 2026 is up to 30,000 Citi Miles. You hit it by spending S$800 within the first two months and paying the S$196.20 annual fee. Choose the first-year fee waiver instead and the bonus drops to 8,000 miles. So the fee is not really a cost on year one, it is the price of an extra 22,000 miles you would not otherwise get.
Run the maths. Paying S$196.20 for 22,000 extra miles values those miles at under 0.9 cents each, which is a strong deal given most people redeem miles for 1 to 2 cents. Thirty thousand KrisFlyer miles is enough for a one-way economy Singapore Airlines redemption to several regional cities, taxes aside. Existing Citi customers get no sign-up bonus, only the first-year fee waiver, so this is firmly a card to take fresh.
The headline feature is that Citi Miles never expire as long as your account is open. That removes the deadline pressure that haunts bank rewards programmes, and it is why slow accumulators favour this card. You can read how that compares to a bank's standard points clock in our piece on converting bank points into miles.
When you redeem, miles transfer at 1:1 to 11 airline and hotel partners, including Singapore Airlines KrisFlyer, Cathay Asia Miles, British Airways Avios, Qatar Privilege Club, Emirates Skywards and IHG One Rewards. Transfers happen in 10,000-mile blocks and cost S$27.25 per programme each time, so batch your transfers rather than dripping them out. For award-flight planning once the miles land in KrisFlyer, see how to redeem KrisFlyer miles for SIA award flights.
On the ground, the card includes 2 complimentary Priority Pass lounge visits per year, complimentary travel insurance with overseas medical cover when you charge your trip to the card, and unlimited supplementary cards at no fee. The lounge allowance is modest next to premium cards, but it is a free extra on an entry-level product.
The PremierMiles fits a clear profile: someone who spends a fair bit overseas, books hotels online, accumulates miles slowly, and wants a card whose balance will not vanish. The never-expire miles and the easy S$30,000 income bar make it a sensible first miles card.
It is a weaker fit if your spending is mostly local. At 1.2 mpd in Singapore, newer cards now pay more per local dollar, and you would be leaving miles on the table. If you are early in your money journey and unsure whether a S$196 annual-fee card pays off at all, our personal budget calculator helps you see whether your travel spend justifies the fee. Treat the annual fee as a subscription: it only makes sense if your spend and the renewal bonus together return more than S$196 of value a year.
Singapore citizens and permanent residents need a minimum annual income of S$30,000, while foreigners need S$42,000. If you fall short, Citi offers a secured option where a S$10,000 fixed deposit serves as collateral for the card.
No. Citi Miles do not expire for as long as your card account remains open and in good standing. That makes the card well suited to people who accumulate miles slowly and do not want a deadline forcing them to redeem before they are ready.
In year one, paying the S$196.20 fee gets you the full 30,000-mile sign-up bonus instead of 8,000, so the fee effectively buys 22,000 miles for under 0.9 cents each. At renewal, paying the fee earns a 10,000-mile bonus, which is worth it only if you value those miles above roughly 2 cents each.
You earn 1.2 miles per S$1 on local spend and 2.2 miles per S$1 on overseas foreign-currency spend. Hotel bookings through the Citi x Agoda landing page earn up to 7.2 mpd, and Kaligo hotel bookings earn up to an uncapped 10 mpd, as of June 2026.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.