Benefits
- Joining – With Citi PremierMiles Card, you earn 10,000 Miles worth Rs. 1,500 on your very first spend of minimum Rs. 1,000 or above, if the purchase is made within 60 days of card activation in return of Rs. 3,000 joining fee.
- Renewal – You also get 3,000 Miles worth Rs. 450 on your card renewal from 2nd year and onwards against the renewal charges of Rs.3000.
- Rewards – On spending each Rs. 100 at PremierMiles Online Portal for booking flight tickets and hotels, you earn up to 10 Miles. You also earn 10 Miles per Rs. 100 when you made transactions on any airline across the globe or partner brands. However, the eligible transaction for these benefits is the ones that are made only through an online portal of an airline company, at airport counters, and the PremierMiles website. If you’re enrolled in Frequent Flyer Program (FFP) with any airline then you also earn your regular FFP Miles on flying as offered by the airline.
- Apart from it, you earn 4 Miles on each Rs.100 that you spent on any kind of regular transaction made on the card. Hence, Citi PremierMiles Card comes gives you a benefit of a minimum of Rs. 0.60 to maximum Rs. 1.50 on each Rs. 100 spent, depending upon the transaction you made.
- Fuel Surcharge Waiver – Apart from the regular transaction you made on the card, you also get a surcharge on fuel transactions equal to the 1% of the transaction value waived off, only if the transaction is made at Indian Oil Petrol pumps through Citibank EDCs. The minimum amount of Rs. 10 is waived off against a single transaction.
- Airport Lounge Access – At select domestic airports, you get 6 complimentary access to MasterCard Lounges per calendar quarter and valid till Dec 31st, 2018 on the primary card. If you’re a visa cardholder, then you get 8 complimentary access to VISA airport lounges and valid till Sept 30th, 2018 on the primary card.
- Cashback – Get up to 15% discount on dining at participating hotels and restaurants such as The Lalit, Shangri La, Blanco, etc.
Drawbacks
- If you’re a first-time Citibank Credit Card customer, then the applicable interest rate would be equal to 39% per annum rather than 37.20% per annum what is offered to an existing/old Citibank credit card user.
- On Joining, Citi PremierMiles Card gives you the benefit of Rs. 1500 against Rs. 4,000 which includes a Joining fee of Rs. 3,000 and the conditional transaction of Rs. 1,000 that you have to make in order to be eligible for the welcome reward points. On Renewal, PremierMiles Card gives you the benefit of only Rs. 450 against the renewal fee of Rs. 3,000.
Conclusion
All and all, Citi PremierMiles can be a good choice for you if travel through airlines usually since you can easily transfer your earned miles to the partner’s miles. However, you need to be a very smart credit card used to get the benefits from this card.
But if you’re going to apply for your first-ever credit card then it can be a bad choice for you.
Highlights
- Miles accumulated on PremierMiles Card never expires.
- Death Insurance Cover of Rs. 1 crore in case of air accident
- Lost card liability cover for fraud transactions of up to Rs. 2 lacs.
- Citi PremierMiles Card is complimentary for Citigold customers.
- Joining Fee of Rs. 3000 is waived off for Citi Priority customers.
- Get an instant Loan on your card against credit limit or cash limit.
- Late Payment Charges are applicable only if the minimum amount due is unpaid for more than 3 days from the payment due date.
Fees & Penalties
| Type of Charges | Applicable Amount |
| Annual Fee | Rs. 3000 |
| Joining Fee | Rs. 3000 |
| Add-on Card Fee | Zero up to 5 Add-on Cards |
| Typical APR | 37.20% to 40.80% per annum39% per annum if this is your first Citibank Credit Card Maximum 42% per annum in case of payment due (Applicable till 3 months from the date card account is back to normal). |
| Cash Withdrawal | 2.0% on the billed amount withdrawn, subject to a minimum of Rs. 300. |
| Late Payment | Rs. 100 per month |
| Over-Limit | 2.5% of the exceeding amount over the credit limit, subject to minimum Rs. 500 |
| EMI Bounce | Rs. 350 per instance |
| Foreign Currency Transaction | 3.5% on the rupee value after conversion |
| Fuel Surcharge | 1% of the fuel transaction, subject to minimum Rs. 10 |
| Cash Deposit | Rs. 100 at Citibank BranchesRs. 50 at Citibank ATMs |
| Min Amount Due (MAD) | 5% of the outstanding balance along with any EMI, subject to minimum Rs. 100. If the total amount due (TAD) is less than minimum amount due (MAD), then MAD would be equal to TAD. |
| Card Replacement | Nil |
FAQs
Citi PremierMiles Customer Care?
Phone: 1860-266-2484 / 1800-208-4484
Email: helpdesk@premiermiles.co.in (Response within 24-48 hours)
Postal Address: Citibank, N.A. Mail Room, Acropolis, 9th Floor, No. 148, Dr Radhakrishnan Salai,
Mylapore, Chennai – 600004
Credit Card Hotlisting?
Report the loss of card at 1800-267-2425
Track your reward points?
Write REWARDS<space>XXXX (Last 4 digit of the card number) and send it to 52484 or +91-98807-52484 via SMS.
Which airport lounges are eligible for Citi PremierMiles Credit Card?
MasterCard lounges
| City | Name of the Lounge | Intl/ Domestic |
| Chennai | TFS Travel Club Lounge – International Terminal (Old Building) | International Departures |
| New Delhi | Plaza Premium Lounge – Domestic Departures ( T3) | Domestic Departures |
| Hyderabad | Plaza Premium Lounge – International Departure, Near Gate 32A/B | International Departure |
| Bangalore | Above Ground Level Lounge – International Departures, T1 | International Departure |
| Mumbai | Clipper Lounge – Terminal 2 | International |
| Bangalore | Plaza Premium Lounge – Domestic Departure (Terminal 1) | Domestic Departures |
| Mumbai | Clipper / Loyalty Lounge – Domestic Departure (Terminal 1) | Domestic Terminal |
Visa Lounges
| City | Name of the Lounge | Intl/ Domestic |
| Chennai | Travels Club – Domestic Departure | Domestic Terminal |
| Chennai | Travels Club – International Departure (Terminal 2) | International Terminal |
| Delhi | Plaza Premium Lounge – Domestic Departures (Terminal 3) | Domestic Departures (T3) |
| Delhi | Plaza Premium Lounge – International Departures (Terminal 3) | International Departures (T3) |
| Mumbai | Mumbai Airport Lounge – Domestic Departures (Terminal 2) | Domestic Departures T2 |
| Mumbai | Clipper Lounge – International Departures (Terminal 2) | International Departures (T2) |
| Hyderabad | Plaza Premium Lounge – International Departures (Gate 32 A/B) | International Departures |
| Hyderabad | Plaza Premium Lounge – Domestic Departures (Gate 28) | Domestic Departures |
| Bangalore | Above Ground Level Lounge – Domestic Departures (Terminal 1) | Domestic Departures |
| Bangalore | Above Ground Level Lounge – International Departures (Terminal 1) | International Departures |
What are Partner brands eligible for Citi PremierMiles Card?
Travel Partners – Goibibo, IndiGo, MakeMyTrip and Yatra.com (Miles conversion ratio 1:0.45)
Online Partners – Bookmyshow and Vodafone (Miles conversion ratio 1:0.30)
Retail Partners – FabIndia, ShoppersStop and Westside (Miles conversion ratio 1:0.30 for ShoppersStop and Westside and conversion ratio of 1:0.15 for FabIndia)
Fuel Partners – IndianOil (Miles conversion ratio 1:0.30)
Gift Voucher Partners – Amazon.in and Flipkart (Miles conversion ratio 1:0.15)
Airline Partners – Cathay Pacific, Thai Airways, British Airways, Eva Air, Malaysia Airlines, Singapore Airlines, Etihad Airways, Qatar Airways, Air India, Jet Airways, Flying Blue (Air
France and KLM), Virgin Atlantic, Qantas and Turkish Airlines (Miles conversion ratio 2:1)
Hotel Partners – InterContinental Hotel Group (IHG) Rewards Club (Miles conversion ratio 1:1)and Taj InnerCircle (Miles conversion ratio 10:1)
Minimum 100 points required for redemption against partner brands and transfer of Miles can take up to 3 weeks.
What is the time required for Mile Transfer?
Jet Airways – 05 working days from the date of placing the request
Air India – 03 working days from the date of placing the request
Etihad Airlines – 14 working days from the date of placing the request
British Airways – 05 working days from the date of placing the request
Singapore Airlines – 05 working days from the date of placing the request
Thai Airways – 14 working days from the date of placing the request
Cathay Pacific – 05 working days from the date of placing the request
Eva Air – 05 working days from the date of placing the request
Malaysia Airlines – 05 working days from the date of placing the request
Qatar Airways – 05 working days from the date of placing the request
Taj InnerCircle Membership – 03 working days from the date of placing the request
InterContinental Hotel Group – 05 working days from the date of placing the request
Club Carlson – 05 working days from the date of placing the request
Flying Blue (Air France and KLM) – 05 working days from the date of placing the request
Virgin Atlantic – 05 working days from the date of placing the request
Qantas – 05 working days from the date of placing the request
Turkish Airlines – 05 working days from the date of placing the request
What is the EMI Conversion Charges and Tenure?
3 Months – 13% per annum
6 Months – 13% per annum
9 Months – 15% per annum
12 Months – 15% per annum
18 Months – 15% per annum
24 Months – 15% per annum
EMI Charges are applicable on monthly reducing balance.