Citi PremierMiles Card: Review and fees

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Score attractive welcome offers and an accelerated mile earn rate with Citi PremierMiles card.

With 1 mile per HK$4 spent overseas (HK$8 for local spends), the Citi PremierMiles card is a card that provides a relatively high mile earn ratio. Along with great affordability, abundant mile awards that don’t expire and flexible redemptions at over 12 frequent flyer programs, this card offers some of the best ways to accumulate miles and save money.

If you’re not looking to pay a premium for a prestige miles card but still want to take advantage of a quality travel card, the Citi PremierMiles card is one to consider.

Product NameCiti PremierMiles Card
Benefit DescriptionReceive 108,000 points (round trip ticket to Taipei) when you spend HK$10,000 within the first 2 months of card approval. Valid till 30 April 2019.
RewardsEarn 1 mile for every HK$8 spent locally and 1 mile for every HK$3 spent overseas.
Cashback Rate Local0.8%
Cashback Rate OverseasN/A
Interest Free PeriodUp to 58 days
Maximum CashbackHK$0
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Annual FeeHK$0 annual fee for the first year. HK$1,800 thereafter.
Fee WaiverYes
Foreign Currency Transaction Fee1.95%
Overdue FeesHK$250
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Minimum Annual IncomeHK$240,000
Minimum Age18
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Benefits of using the Citi PremierMiles card

The Citi PremierMiles card offers an array of benefits ranging from rebates to travel privileges. Some of the main benefits of this card are:

  • Miles. Earn 1 mile (12 points) for every HK$8 spent locally and 1 mile for every HK$4 spent overseas. If you charge HK$20,000 or above in one statement cycle, your overseas transactions will be entitled to an accelerated earn rate of 1 mile for every HK$3 spent. In addition, there’s no qualifying spend required to earn miles and the accumulated card points never expire.
  • Airport lounge passes. Both primary and supplementary cardholders can receive up to 12 complimentary visits each to over 50 designated Plaza Premium Lounges worldwide annually, as long as they spend a minimum of HK$5,000 each within 30 days after the date of each lounge visit.
  • Cash rebates. Besides the standard card benefits, you can also redeem HK$1 for every 200 points earned.
  • Welcome gift. Newly approved cardholders will receive 108,000 card points with a minimum spend of HK$10,000 or above within the first 2 months. 108,000 card points may be converted to 9,000 Avios, which can be redeemable for a round-trip ticket to Taipei. Terms and conditions apply and offers are subject to change from time to time at the bank’s discretion. Extra HK$40 cash rebate for mobile payment via Apple Pay, GooglePay and Samsung Pay. Valid till 30 April 2019.

Features of the Citi PremierMiles card

Here are the other key features to consider when you compare the Citi PremierMiles card with other options.

  • Annual fee. This card charges a standard annual fee of HK$1,800 for the principal card and HK$900 for every supplementary card. The annual fee will be waived automatically if you charge at least HK$100,000 to your card every year before the annual fee renewal month.
  • Travel insurance. Get complimentary travel insurance for you and your family when you charge the full fare of your travel or redeem flight tickets, accommodation or travel tours with your Citi PremierMiles card. You can also opt to upgrade to the Premier Plan to double your travel accident coverage from as low as HK$48.
  • Redemption flexibility. You can transfer Citi Miles to over 12 frequent flyer programs to redeem mileage of over 100 airlines, including KrisFlyer, AsiaMiles and SkyMiles programs. There’s also no service charge for mileage conversion and the process typically takes only four to eight days.
  • Other deals. With the Citi PremierMiles card, you’ll also enjoy year-round rewards, benefits and preferential treatment at partner establishments through Citi World Privileges.
  • Visa payWave. Enjoy fast and secure payments by simply tapping the card on any contactless transaction reader. No signature is required for purchases under HK$1,000.

How to apply for the Citi PremierMiles card

If you’ve decided that the Citi PremierMiles card is the right card for you, you can apply by completing the secure online application form and by filling out your details. To save time, make sure that you meet the following eligibility requirements and have your supporting documentation on hand.

Eligibility criteria

  • Earn at least HK$240,000 p.a.
  • Have a good credit rating
  • Be at least 18 years or older
  • Hong Kong resident or expat with a valid working visa

Required documents

If you’re an average spender looking to get extra savings and earn miles concurrently, the Citi PremierMiles card may be an option for you to consider. In addition, this is one of the few travel credit cards that offers miles that don’t expire, so you can take your time to accumulate them. Before applying, compare your options to ensure that you’re choosing the right card for you.

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