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

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

Citibank Premier Miles Welcome Bonus & 10X Rewards

  • 10,000 Miles with your first spend of Rs.1,000 or more on your Citi PremierMiles Card within 60 days of Card issuance
  • 3,000 Miles on Card renewal.
  • Points Earn Rate: 4 Miles for every Rs.100 spent
  • 10X points with Specific partners like Makemytrip
  • 1 Reward Point = Rs. 0.50 (as per my calculation)
  • Annual Fee: Rs.3000+tax (compensated well with 10k miles welcome bonus though)

You can book revenue flight tickets using the miles using 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

Features of Citi Premier Miles Credit Card:

  • Card Expert Rating: 8/10
  • Reward rate: ~2%  normally, upto ~5% on accelerated 10X rewards
  • Renewal Fee: Rs.3,000+tax
  • Complementary Airport lounge access: Yes,  2 visits per quarter to Visa Signature lounges
  • Foreign Exchange Markup fee: 3.5% + Service Tax

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.

13 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

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