Citibank Premier Miles Credit Card Review (India)

By | July 22, 2016

Citibank Premier Miles credit card was a favorite card for many until it got devalued heavily last year. Its one of the premium credit card issued by Citibank under Visa Signature Variant and as we know, any card that gets into many hands typically ends up in some kind of devaluation as banks are here to make money and not see us redeem the points promptly 😀

Citibank Premier Miles Credit Card India

Citibank Premier Miles Credit Card India

  • Annual/Renewal Fee: Rs.3000+tax
  • Welcome Bonus: 10,000 Miles equivalent to Rs.4,500 (compensated well for the fee)
  • Renewal Bonus: 3,000 Miles (not so good)

Premier Miles got its status because of its feature to transfer reward points to lots of international hotel/airline loyalty programs. Only Citi has the major hotel points transfer partners as its a multinational company and hence partnering with international hotel chains/airlines is not a big deal for them.

Citibank Premier Miles Rewards

  • Earn 4 Miles for every Rs.100 spent
  • 10X points with Specific partners like Makemytrip
  • 1 Reward Point = Rs. 0.45 (Premier Miles Portal)
  • Reward Rate: 1.8%

You can book revenue flight tickets using the miles on PremierMiles website, which is more like HDFC Regalia website. HDFC Premier Miles is managed by Goibibo, and so flight booking gets easy for them this way.

citi 10X Rewards

Citi bank 10x rewards

Features of Citi Premier Miles Credit Card:

  • Card Expert Rating: 4/5
  • Reward rate: ~1.8%  normally, upto ~4.5% on accelerated 10X rewards
  • Complementary Airport lounge access: Yes,  2 visits per quarter to Visa Signature lounges
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Special Benefits: Citi Partner Offers are Good

Overall, Citi Bank Premier Miles Credit Card has pretty good benefits to be rated under Visa Signature platform, but it doesn’t sound great as HDFC Regalia which gives better Markup fees and 12 free Lounge access via Priority Pass Lounge program.

However, i’m thinking to get hands on Premier Miles Credit Card and eventually on Citi Prestige card mainly due to its hotel points transfer ability. Wish to play with Hotel Loyalty programs in near future 🙂

Do you hold Citi PremierMiles Credit Card? Do share your experience in comments below.

25 thoughts on “Citibank Premier Miles Credit Card Review (India)

  1. Sunny

    I think either Citibank does not care much about credit cards, or they don’t have much brains in this aspect.

    Used to have Premier miles, I cancelled the card the same day the airline conversion was cut by 50%.

    With no priority pass partnership, this card is as good as entry level rewards cards.

    So now basically they have an entry level rewards card, then this so-called black colored Premier card (another entry level) and a top tier Prestige card.

    Big gap in between the entry and top tier cards, still waiting to be fulfilled.

    Reply
  2. ramkumar nagaraj

    Dear Sid,

    is it possible to get this card free of cost? i mean to say without paying the obligatory 3k +taxes.
    I am already an IOC titanium and also rewards card holder

    Reply
    1. Siddharth Post author

      That’s tough. I don’t think they will give for free.

      Reply
      1. ramkumar nagaraj

        Dear Sid,
        What do u think is the best card for an frequent flyer like me who goes abroad every 15 days?
        I am citibank account holder for savings.

        Also, the website premiermiles.co.in from Citibank is pretty rubbish and does not show good flights:(

        Reply
          1. ramkumar nagaraj

            Sorry sid,

            did u mean diners from citibank? Or some bank?
            I think there are 2 many diner cards in india, not sure

  3. Ranjith

    Hey Sid,
    A travel worth of what amount is required minimum in a year to break even the cost of this card. Also I generally book through sites/apps like goibibo or clear trip. So, how worth is it, esp compared to hdfc all miles card

    Reply
    1. Siddharth Post author

      Ranjith,
      If you’re booking on Goibibo, You should consider Diners Cards.
      Reg. Premier Miles,
      You get 10k Welcome bonus miles which should be good enough to compensate the cost of the card.

      Reply
      1. Ranjith

        Thanks. I’m in a dilemma between Citi premier miles and HDFC All miles. For eg. HDFC All miles itself gives more lounge access, including international with Priority Pass. For a similar fee range of Citi Premier Miles, HDFC regalia offers 12 international lounge accesses.

        Reply
        1. Siddharth Post author

          Depends on what benefit you need. if you need Lounge access, regalia is good.

          Reply
  4. Ram

    Hi
    Can the miles be transferred to another website like goibibo or clear trip when booking the flights?
    The premierMiles website is pretty horrible

    Reply
    1. Amex Guy

      You can convert PremierMiles of any country to some partner airlines’ points — like JPMiles or BA Avios. PM site while doesn’t look the best is very clean and honest when it comes to redemption. No BS at all. You can book with miles, or card, or mix and match and can even decide how much % you want to pay by miles.

      Reply
  5. Amex Guy

    I have this card. Visa variant gives 8 visits per quarter. Read again, it is not 8 per year, 8 per quarter — so 32 per year. Unless you have a Diners Club, this is the most generous lounge program.

    Reply
  6. Vipul Chawla

    I have been using this card since a year now.

    Pros
    — Good redemption rate (0.45) on all my travel bookings
    — Citi has a tie up with Makemytrip & gets you extra cashbacks & points

    Cons
    — High joining fees

    Reply
  7. NITIN

    Lounge access at T1 Delhi premium plaza has been discontinued with this card.

    Reply
  8. Sayantan

    Hey sid,

    Can I convert premier miles points into credit against subsequent statements? Having said that I am planning to offset the membership fee of the card against the initial 10,000 points and therefore to make some 1500 rupees credit gain as well. Does it work that way?

    Sayantan

    Reply
    1. Siddharth Post author

      I doubt, this card primarily gives miles for redemption at Premier Miles website.

      Reply
  9. Swas

    Which card should I use the most Regalia First or Citi Premier Miles? I travel a lot but my company pays for the flight ticket. I usually go a lot of online shopping, grocery, heavy on restaurant and clothing. Could you suggest which card will give me the most benefit?

    Reply
  10. Sukhmani

    Hi,

    I am thinking of applying for Citi premier Miles card just wanted to check if there is any cap to redeem miles. Like minimum Miles requirement or max miles one could redeem.

    I use Make My trip app a lot for flight and travel booking so wanted to know in detail what sort of benefits this card could give. Can one use the promo code offers as well as redeem reward points in MMT for the same booking?

    Reply
  11. Sukhmani Sachdev

    Hi Sid,

    Could you advise if I book an airline ticket through airline website like “Malaysian Airlines or Air Asia” will I be getting 10* reward points on Premiermiles city card or will it be 4* reward points.

    For Bookings done through Make My Trip and Premiermiles website I would be getting 10* reward points but I am not certain about the reward points that one could get by booking directly through the airlines or hotels website.

    Please advise.

    Reply
    1. Nishant Wadhwa

      Yesss u will get 10rp on makemytrip and on premiermiles website but if u r booking with rp u will not get any points

      Reply

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