Citi Bank PremierMiles Credit Card: Benefits & Apply

Summary

The Citi Bank PremierMiles Credit Card is ideal for travelers who frequently travel; earning rewards on their purchases is easy with this Credit card. Miles for every transaction make it an excellent method of collecting points for travel. On expenses related to air travel, the cardholder earns 10 miles for every ₹100 spent, while on other purchases, they earn 1 mile per ₹100 spent.

On top of earning miles, the PremierMiles Credit Card provides a very handsome welcome bonus. This means a new cardholder can accumulate bonus miles immediately. A free airport lounge is also provided, which further makes their travel experience more comfortable. A cardholder can book discounted flights on selected airlines, which makes the whole travel plan profitable for them.

The travel insurance benefits even include flight delays, lost baggage, and trip cancellations, for added security while traveling. Also, the miles earned on this card can be redeemed as points for shopping and lifestyle rewards, which enhances the versatility of this card.

Introduction

Citi Bank PremierMiles Credit Card is the best credit card for someone who travels frequently and looks forward to getting rewarded for his expenses. PremierMiles Credit Card facilitates the earning of air miles on every expenditure, and these miles can be used to book air tickets in the future. The special thing about it is that with the PremierMiles Credit Card, you can book tickets for almost all major airlines in India and abroad, which makes your travel experience even more comfortable.

PremierMiles Credit Card provides not only travel-related benefits but many more better features. This credit card allows a flexible redemption option, that is, you get a chance to use the earned miles in very many ways. The redeeming points can be used for hotel bookings, flight upgrades, shopping vouchers, and other travel-related services.

The Citi Bank Credit Card is an excellent option for those who are planning to travel in advance and want some extra benefits. Other than that, you will get facilities such as travel insurance and airport lounge access through a PremierMiles credit card, making your travel more comfortable.

In the article of today, we are going to discuss in detail the Citi Bank credit card, as in which we are going to tell you in detail about its benefits. Along with this, we are going to make you aware of the fees of Citi Bank PremierMiles credit card in the same article and also will inform you in detail how you can apply for it. So read this article till the end so that you do not have any problems later.

What is the Citi Bank PremierMiles Credit Card?

Credit Card is especially useful for those customers who want to get maximum rewards during their travel. Be it online shopping, restaurant bills, or flight booking. The special thing is that these miles never expire, that is, you can collect them for a long time and use them for big redemptions.

With PremierMiles Credit Card, you get protection like travel insurance, making your travel safe and convenient. Along with that, facilities such as airport lounge access are available during international travel, which will make your experience of traveling much better.

How is the Citi Bank PremierMiles Credit Card designed?

Credit Card has been specifically tailored to reward and benefit the traveling person, particularly the frequent one. Miles can be accrued for every purchase on the card and redeemed on flight tickets, accommodation, or any other form of travel.

The card comes with attractive welcome benefits, including bonus miles and access to airport lounges. It also comes with a host of travel protections, including travel insurance and lost baggage cover.

What are the benefits of the Citi Bank PremierMiles Credit Card?

There are some great benefits with the Credit Card, especially for travel enthusiasts:

1. Earn Miles on Purchases: You earn 10 miles for every ₹100 spent on air travel bookings and 1 mile for every ₹100 spent on other purchases.

2. Welcome Bonus: You get a generous bonus of miles when you sign up for the card, which can be redeemed for flights or hotel stays.

3. The card offers lounge access at any airport, providing a comfortable atmosphere while traveling through an airport.

4. Redeeming Miles for travel is also done easily by making reservations for air tickets, and also for your hotels, allowing you to better enjoy your vacations.

5. Discount Flights: Booking of flights becomes easier with selected airlines offering a discounted price, or special deal for booking their flight.

6. Travel Insurance: Provides travel insurance covering flight delays, trip cancellations, lost baggage, and so much more.

7. Reward Points Conversion: Your accumulated miles can be converted into reward points that will be used in lifestyle and shopping rewards.

What are the fees for the Citi Bank PremierMiles Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹2,999 + GST (one-time fee when you get the card).
Annual Fee	₹2,999 = GST per year. This will be waived if you spend 3,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Citi Bank PremierMiles Credit Card?

The following are the primary requirements:

1. To apply for the Citi Bank PremierMiles Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 9 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Citi Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Citi Bank PremierMiles Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address
Income Proof	Utility bills like electricity, water, ancient agreements, Bank statements, or passbooks with your address
Photograph	The latest passport-sized photograph

Where can the Citi Bank PremierMiles Credit Card be used?

Here is the list of places where you can use it:

• With the Citi Bank PremierMiles Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Citi Bank PremierMiles Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Citi Bank PremierMiles Credit Card?

The credit amount you can spend is what you are provided with a PremierMiles Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Citi Bank PremierMiles Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Citi Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Citi Bank; for instance, you can choose the Citi Bank PremierMiles Credit Card.

• Just hover your cursor on the Citi Bank PremierMiles Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Citi Bank branch to apply for the Credit Card.

• Request for the credit card application form for the PremierMiles Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Citi Bank PremierMiles Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Citi Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Citi Bank PremierMiles Credit Card in 2025 be right?

Yes, getting a Citi Bank PremierMiles Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Citi Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

For all the avid travelers out there who wish to gain more miles out of your regular spending, the Citi Bank PremierMiles Credit Card is an option to consider. In addition to accumulating miles out of every spent amount, one can also benefit from redeeming the miles they earn for service options such as flight ticket booking, hotel accommodation, upgrading air travel, etc.

The use of credit cards is not just limited to travel. Citi Bank Credit Card also offers you additional benefits like travel insurance, airport lounge access, and flexible miles redemption that make your travel more comfortable and secure.

Overall, the PremierMiles Credit Card is useful for all those who travel regularly and want to make their travel more comfortable. Citi Bank PremierMiles Credit Card makes your spending more valuable and lets you experience great rewards and benefits.

Frequently Asked Questions (FAQ’s)