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Citi PremierMiles Card

Data last updated 27 October 2026
31.00%
Purchase rate
HK$1,800
Annual fee
240,000
Bonus points

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Citi PremierMiles Card card
Application

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge43
  • Rewards45
  • Sign-up bonus63
  • Travel48

Customer reviews

No reviews yet. Be the first to review the Citi PremierMiles Card.

Pros & cons

What's good

  • 240,000 bonus points to start, worth around HK$1,800 at our 0.75c-per-point valuation.
  • The 31% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 32% p.a.).
  • Complimentary airport lounge access (12 visits a year).
  • Earns 12 Points per HK$3 on overseas spend.
  • Points transfer to Cathay (Asia Miles).

Worth noting

  • Annual fee HK$1,800 for principal card, HK$900 for supplementary card. No waiver mentioned. Tax treatment not stated. The HK$1,800 annual fee is still toward the top of the market (the median is HK$0).
  • Requires a minimum income of HK$120,000 a year.

Card details

The basics

Additional cardholder fee
HK$900 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Citi ThankYou Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
HK$120,000 p.a.
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
31.00% p.a.
Purchases
31.00% p.a.

Fees

Additional cardholder fee
HK$900
Annual fee
HK$1,800 p.a.
Cash advance fee
—
Foreign transaction fee
1.95%
Late payment fee
HK$300
Over limit fee
HK$180

Repayments

Interest-free period
Up to 58 days on purchases
Minimum repayment
a. The total of all the current month's interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (where applicable)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
12 Points per HK$8
Bonus categories
None
Other purchases
None
Overseas spend
12 Points per HK$3 on overseas spend
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Points earned on Citi PremierMiles Card are evergreen.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
240,000 points

Transfer partners

Cathay (Asia Miles)
12 pts → 1 pt (≈ 0.13 pts per HK$1)

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's policy terms. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation
Varies by card, often paying for the trip with it
Cover limit
HK$150,000
Not covered
Pre-existing conditions, unless the insurer agrees in writing
Underwriter
Zurich Insurance Company Ltd

Transit accident

Activation
Pay the fare with the card
Cover limit
HK$450,000
Underwriter
Zurich Insurance Company Ltd
What it pays
Death or defined serious injury only

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate31.00%Tied for best (1st of 40 cards)
Rewards valueHK$405 a yearTop 25% (4th of 18 cards)
Interest-free days58 daysTop 25% (8th of 40 cards)
Sign-up bonusHK$1,800Top 25% (3rd of 11 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Annual feeHK$1,800 a yearMiddle of the market (24th of 40 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Credit card statistics for Hong KongHow CardIQ scores cards
Issuer
Citi