Citi® PremierMiles Credit Card is one of the popular travel credit cards available in the market. The card has a highly rewarding air miles program and the flexibility to use the miles with several leading airlines makes this card a great option for frequent travelers. Along with travel, this credit card also provides insurance coverage of up to Rs. 1 crore to its users. Here is all you need to know about Citi® PremierMiles Credit Card.
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Key Highlights of Citi® PremierMiles Credit Card | |
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| Card Type | Mid-level |
| Best Suited For | Travel |
| Joining Fee | Rs. 3,000 |
| Annual Fee | Rs. 3,000 |
| Welcome Benefit | 10,000 Miles on spending Rs. 1,000 within 60 days of card issuance |
| Best Feature | 10 Miles per Rs. 100 spent on airline transactions done via Premiermiles website |
| Paisabazaar Rating | ★★★★ (4/5) |
Also read: 10 Best Credit Cards in India
| On this page |
With Citi® PremierMiles Credit Card, you can avail travel benefits, welcome benefits, complimentary lounge access, dining benefits and much more. Here are some of the major Citi® PremierMiles Credit Card benefits:
You can earn up to 10X reward points on your airline transactions via this credit card. The earned reward points come with no expiry date and you can redeem them across 100+ airline and hotel partners. Here are the details regarding the same:
Click here to view the detailed terms and conditions.
Some of the other Citi® PremierMiles Credit Card benefits are mentioned below:
*This offer is valid till 31 December, 2022. Also, Visa cardholders can avail a maximum of 8 visits per quarter.
Suggested read: Citi® PremierMiles Credit Card review
Below mentioned are the Citi® PremierMiles Credit Card annual fees and other charges:
| Type of Fee/ Charge | Amount |
| Joining Fee | Rs. 3,000 |
| Annual/ Renewal Fee | Rs. 3,000 |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Charges | For Statement Balance:
|
Click here for the other associated fees and charges.
The applicant must fulfil the below-mentioned eligibility criteria to apply for this credit card:
| Particular | Details |
| Age Requirement | 21 to 60 years |
| Occupation | Salaried or Self-employed |
| Documents Required | Click here for the list of documents |
| Serviceable Cities | Click here for the list of eligible cities |
| No income documents are required for Citibank Credit Cards when applied through Paisabazaar. |
Citi® PremierMiles Credit Card is a travel credit card that is best suited for people who want to avail luxurious travel benefits. You can avail reward points on your transactions, welcome & renewal benefits, complimentary lounge access and much more with this credit card. The good thing is that the Miles earned can be redeemed across various airlines, unlike popular co-branded cards which offer benefits with only one airline.
Overall, you can apply for this credit card if you are a frequent domestic traveler. However, if you frequently travel abroad, then this might not be the right choice for you, as it offers no benefits for international use. It comes with a high foreign currency transaction fee, i.e., 3.5% and does not offer complimentary international lounge visits. Also, you can redeem the earned reward points only on travel, therefore, if you want to enjoy benefits on multiple categories, you can look for other credit cards.
| Citibank offers credit cards across different categories. Compare Citibank Credit Cards Online and find the right card for you. |
If you are looking for other credit cards that offer benefits similar to this one, then you can refer to the cards mentioned in the table below:
| Credit Card | Annual Fee | Key Feature |
| Air India SBI Signature Credit Card | Rs. 4,999 | Up to 30 reward points for every Rs. 100 spent on Air India tickets booked through airindia.com, or the mobile app |
| Axis Bank Vistara Signature Credit Card | Rs. 3,000 | 4 Club Vistara (CV) points per Rs. 200 spent across all categories |
| SBI Elite Credit Card | Rs. 4,999 | Up to 50,000 bonus rewards points annually; Complimentary Club Vistara Silver Membership |
| Intermiles HDFC Bank Signature Credit Card | Rs. 2,500 | 12 InterMiles per Rs. 150 spent on flight and hotel bookings done via InterMiles website |
| MakeMyTrip ICICI Bank Signature Credit Card | Rs. 2,500 | Up to 4 My Cash points per Rs. 200 spent on hotel and flight bookings through MakeMyTrip |
Q. How can I apply for Citi® PremierMiles Credit Card?
A. You can apply for this credit card through Paisabazaar by clicking here and filling out the application form. Apart from this, you can also apply for this card through the official website of the bank. If you want to apply offline for this credit card, then you can visit any of the nearest Citibank branches and fill out an application form.
Q. What is the validity of reward points earned on Citi® PremierMiles Credit Card?
A. The reward points earned via Citi® PremierMiles Credit Card never expire. Therefore, you can redeem the reward points whenever you want. You can redeem the earned reward points across 100+ airline and hotel partners, click here to know the detailed process.
Q. Does Citi® PremierMiles Credit Card charge a forex markup fee?
A. Yes, the bank charges a forex markup fee of 3.5% of the transacted amount for most of the credit cards. Therefore, this credit card is not suitable for international use as it incurs higher charges. You can look for top credit cards for international use if you frequently travel abroad.
Q. What is the credit limit offered on Citi® PremierMiles Credit Card?
A. The credit limit is decided by the bank after scrutinizing your application. Your credit limit depends on various factors, such as credit score, timely payments and repayment capacity among others. You will get to know about your credit limit only after applying for this credit card.
Q. Can I make contactless payments via Citi® PremierMiles Credit Card?
A. Yes, this credit card comes with ‘Tap n Pay’ technology, which allows you to make contactless transactions. You can enable this feature for domestic as well as international transactions. However, you need to log in to the mobile app and enable this feature to avail such facility.
Q. What is the interest-free period offered on Citi® PremierMiles Credit Card?
A. Citi® PremierMiles Credit Card comes with an interest-free credit period ranging from 17 to 47 days. The credit period depends on the date of the transaction and the statement date. However, in case you make a partial payment, then no interest-free period will be offered to you.
