Citi
  • Minimum Monthly Income:PHP 30,000.00
  • Annual Fee:PHP 5000.00
  • APR: 3.50%
  • Point to Mile Ratio: PHP 30.00 : 1 Mile
  • Foreign Transaction Fees:3.00%

CitiBank PremierMiles

Where is CitiBank PremierMiles best used?

You can consider Citibank PremierMiles as the most reliable travel credit card. You don’t have to think too much about your expenditure because no matter what it is, you will get 1 mile for every PHP30 that you spend.

You can use it for almost every transaction and you’ll earn miles at the same rate locally or internationally.

When compared with the other credit cards, Citibank usually provides exclusive deals and privileges to their cardholders more frequently. The best part is that due to the wide array of partners that they have, cardholders are provided with a multitude of offers from different airlines, stores, etc.

They give cardholders opportunities to try out new things and the means to go back to services they find value in.

For us, Citibank PremierMiles is a good starting option for a credit card. With a minimum monthly income of PHP30,000.00, it is a lot more accessible than other credit cards in this list.

With its amazing rewards program and consistent accumulation of airline miles, it’s our pick for the most starter-friendly travel credit card!

Perks and Benefits

  • Never-expiring Miles
  • Use Miles as Cash
  • VIP Loung Access
  • Citi ThankYou Rewards
  • Travel Rewards
  • Airline and Hotel Choices
  • Travel Inconvenience Protection
  • Cash Advance
  • Free 30-Day Purchase Protection
  • CitiShield Plus
  • Credit Line Increase
  • Citi One Bill
  • 24/7 Visa Signature Concierge Service
  • Worldwide Acceptance and Recognition
  • High Credit Limit
  • Combined Credit Limit
  • Citi PayLite Installment Plan
  • Citi Dining Privileges
  • Citi World Privileges
  • Peso Payment Overseas
  • Citibank Online
  • CitiPhones
  • Citi Electronic Statement
  • Mobile Banking

How to Apply

  1. Visit the Citibank website at: https://www.citibank.com.ph/portal/citiph_home.htm?lid=PHENCBGCIMITLHome
  2. Click on the Credit Cards Button on the Navigation bar and a dropdown box will appear.
  3. Choose View All Credit Cards to see your choices, or directly click on the Apply now button to start.

Our Thoughts

Citibank PremierMiles is probably the most consistent credit card that cardholders can use to collect airline miles. Though it does have a higher point-to-mile conversion rate at 1 premier mile: PHP30.00, this is can be accumulated both locally and overseas.

PremierMiles are also universal as they can be used in over 60 airlines internationally.

This card is designed for frequent flyers and those who seek comfort when traveling by air. They provide free VIP access to airline lounges locally and abroad.

A free dragon pass membership with 2 complimentary lounge passes at select airport lounges is given to cardholders.

The most prominent feature of Citibank PremierMiles is its worldwide acceptance. You can use the card in over 29 million establishments all over 150 countries.

Their latest offer provided cardholders with a free round trip ticket to Japan credited as 30,000 premier miles. That already ended last June 30, 2019, but it does mean that there may come a time when they will open up a different and equally appealing offer in the future!

Another perk that is often overlooked is the diverse rewards program that Citibank has for its cardholders. Yes, you will most probably use your points to pay for flights or convert them to airline miles, but you also have the option of using them to redeem merchandise from many of the world’s leading brands.

Cardholders will have the freedom to choose where their points and/or miles will go to.

Card Details

Annual Fee PHP5,000
Annual Fee (Supplementary) PHP2,500
APR (Annual Percentage Rate) 3.50%
Min. Yearly Income 360,000
Min. Age for Principal Holder At least 21 yrs old
Min. Age for Supplementary Holder at least 16 years old
Do You Need a Postpaid Account? YES
Identification Needed TIN, SSS/GSIS
Card Replacement Fee PHP400
Sales Slip Retrieval Fee PHP250
Late Payment Charge PHP850
Cash Advance Amount Varies
Cash Advance Charge PHP500 or 3% of CA amount
Cash Advance Interest Charge 3.64%
Cashback Limit N/A
Rewards Points Expiry N/A
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