Best Citi Miles Credit Card for Singapore: Prestige, Premier or Rewards?

If you want to earn rewards with a Citi Miles credit card you can choose from popular options including Citi PremierMiles¹, Citi Rewards² and Citi Prestige³. This guide walks through the eligibility and earning opportunities for each, plus a look at extra perks like Citi Premier Miles lounge access.

We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas. This is a debit card with no foreign transaction fee and mid-market rate currency conversion - making it ideal for travel use alongside your preferred Citi credit card.

What to look out for when choosing a credit card for Miles

If you’re specifically thinking of using a credit card to convert points to Krisflyer Miles or other airline miles, you’ve got a few great options with Citi. Rewards can also be redeemed as other perks and benefits, offering flexibility for different customer needs.

Before you choose the best Citi card for you, it can pay to examine the conversion rates so you’ll know you’re getting the best rewards available. You’ll also need to check out:

• Minimum income requirements - This determines your eligibility for premium cards and helps you avoid unnecessary application rejections
• Annual fees - Evaluate if the value of the miles and perks outweigh the yearly cost, considering any waiver conditions
• Foreign transaction charges - These fees can push up your overseas spending costs, so look for cards that minimise or waive them for international use
• Other perks and benefits - Beyond miles, assess if included benefits like lounge access or travel insurance align with your lifestyle and make the card worth it

Best Citi Credit Cards for Miles in Singapore

To help you select the best Citi card for your specific needs we’ll compare some of the most popular options. First, we’ve got a head to head comparison, with much more information coming right up about each, and a more detailed look at how to earn and use your miles with Citi, including converting Citi miles to KrisFlyer miles, a little later.

*Details correct at time of research - 15th July 2025
** 10X Citi Points = 4 miles per 1 SGD

Citi PremierMiles Card: Best for earning miles

The Citi PremierMiles Card lets you earn Citi Miles with higher rates of earning on foreign currency spend and on online travel bookings. You can then redeem your miles with your favourite airline, or choose alternative redemption methods if you’d prefer.

Minimum annual income: 30,000 SGD for Singapore citizen or PR; 42,000 SGD
for foreign residents
Annual fee: 196.20 SGD
Miles earning rate: 1.2 Citi Miles for every S$1 local spent; 2.2 Citi Miles for every S$1 foreign currency spent; Up to 10 Citi Miles for every S$1 spent on selected online travel bookings
Foreign transaction fee: 3.25%⁴

The Citi PremierMiles Card is a travel optimised card, with 2 annual lounge visits offered when you travel. As miles do not expire, you can also build up your points total until you can achieve the rewards you like the best. The card has a relatively low annual income requirement but as with any card it’s important to read through the full fee schedule as there are other potential costs involved with spending - including a 3.25% fee on foreign currency spend.

At the time of writing, new customers can get 30,000 bonus miles on sign up, and there’s a renewal bonus of 10,000 Citi Miles on your card anniversary. The annual fee can not be waived.

Citi Rewards Card: Flexible points for online shoppers

Unlike with the Citi PremierMiles Card, the Citi Rewards Card earns ThankYou points⁵ instead of miles. This allows you to choose different redemption methods including cash back or credit against card spending.

Minimum annual income: 30,000 SGD for Singapore citizen or PR; 42,000 SGD
for foreign residents
Annual fee: 196.20 SGD with a first year card fee waiver
Miles earning rate: 10x rewards for online spending, and shopping with select partners; 1x on all other spend
Foreign transaction fee: 3.25%

The Citi Rewards Card can be a good flexible choice for customers who want to earn points they can choose to redeem as miles or as other forms of reward. You can trade in your points for airmiles with popular providers including Singapore Airlines, but you can also redeem as cash against other purchases or gifts from a redemption catalogue.

At the time of writing, new customer bonus offers allow you to get 40,000 bonus Citi ThankYouSM Points when you join. There are also exclusive partner deals and discounts on offer.

Citi Prestige Card: Premium travel benefits for high earners

The Citi Prestige Card is best for higher earners, with a minimum income requirement of 120,000 SGD and luxury perks and benefits to match. If you’re looking for a card with exclusive lifestyle and travel perks this might suit your needs.

Minimum annual income: 120,000 SGD
Annual fee: 598 SGD before GST
Miles earning rate: 2 miles for every S$1 foreign currency spent; 1.3 miles for every S$1 local spent
Foreign transaction fee: 3.25%

The Citi Prestige Card is aimed at high earning frequent travellers with perks that include airport lounge access, free hotel stays and complimentary golf games. There is a high minimum income and annual fee to pay, but at the time of writing you can get an additional 65,000 Citi Prestige miles when you sign up thanks to the Citi new customer bonus offers.

Citi Rewards and Miles Conversion Rates

Different Citi credit cards may offer their perks and rewards in slightly different ways. Some reward you in points under the Citi ThankYou Rewards programme, while others describe the rewards you earn as CitiMiles. Depending on the card you select you can then redeem your points or miles in various different ways.

How to earn Citi ThankYou Points and Citi Miles

Different Citi credit cards earn points or miles at different rates and might have their own rules about the categories of spending you can be rewarded for. Cards may have higher earning rates on some spending categories, such as foreign currency spending, or spending with partner stores for example. You can get the full details of the earning opportunities for your specific card when you apply.

You might also be interested to use Citi PayAll as a way to earn miles when paying bills⁶. Use your credit card to cover your daily bills and get rewarded, with some extra promotional offers from time to time which could even mean you get more when you spend, such as vouchers for spending with Citi partners.

When using Citi PayAll, you have two options:

1. Service Fee Payment option: Earn rewards (points, miles, cashback) at your card’s base earn rate, with a service fee incurred.
2. Zero Service Fee payment option: Pay no additional fee, but no rewards are earned. This option is for convenient bill payment or expense deferral without extra cost.

How to convert Citi Points/Miles to KrisFlyer Miles

If you’d like to convert your ThankYou points to KrisFlyer miles you are able to do so, at the rate of 1,000 points to 1,000 miles.

Once you have accumulated points or miles with your Citi card you can convert them to miles with KrisFlyer online or by calling the ThankYou service center. Not all points can be converted, and some cards have different rules about how and when conversions may take place. Be sure to check all the rules before you get started.

Once you’ve checked you’re eligible to convert your points to KrisFlyer Miles, you can take the following steps⁷:

1. Check your KrisFlyer account number in the KrisFlyer app
2. Open the ThankYou website or call the service center
3. Select the KrisFlyer redemption option, or tell the staff member you wish to redeem points
4. Give your KrisFlyer account number and confirm the amount of points to convert
5. Agree to the transfer terms and wait for your points to be credited

Other Citi Miles/Points Redemption Options

If you’re not interested in using the points or miles you’ve earned on SIA flights or upgrades you can choose from various other redemption options. The redemption options available to you will depend on the specific card you have but can include getting cashback or credit to your card account. You can also often choose to exchange points for gifts from the Citi redemption catalogue, including gifts and gift cards for major retailers.

Travelling soon? Bring the Wise card along to maximise your foreign currency transactions

While air miles credit cards offer excellent rewards for travel, remember that foreign transaction fees can add unexpected costs when used abroad.

The Wise card lets you spend in 40+ currencies at the mid-market rate including MYR, JPY, CNY, and USD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up SGD to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 8.50 SGD. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 350 SGD each month, before low fees start.

While abroad, you can choose to spend with directly in SGD and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.26%.

💳 Get your Wise card

Sources last checked on date: 21 July 2025