Citi Premier Miles Credit Card Review

From time to time credit card companies come with some new cards to cater to the needs of their customers, and now Citibank has opened a new world of benefits for their customers with their new Citi PremierMiles Card, it comes with several extraordinary benefits for its customers at an affordable price, the benefits offered by the card include – Welcome benefit, Air miles, Lounge Access, Travel benefits, Insurance coverage, Zero lost card liability, etc.

Citi Premier Miles Credit Card

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65yrs. 
    • Income: ₹25,000 monthly. (Min)
  • For self-employed person:
    • Age: 21 to 65yrs.
    • Income: ₹25,000 monthly. (Min)
  • Good CIBIL score (750 or more).
  • This card is available only at some selected cities of India including – Hyderabad, Chennai, Faridabad, Lucknow, Chandigarh, Coimbatore, Secunderabad, Nagpur, Ahmedabad, Kolkata, Navi Mumbai, Nasik, Bengaluru, Delhi, Mohali, Surat, Mumbai, Noida, Panchkula, Jalna, Pune, Ghaziabad, Aurangabad, Yavatmal, Thane, Gurgaon, Kochi, Ernakulam.

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹3,000 + GST (None for the priority customers)
  • Annual Fee: ₹3,000 + GST

Benefits:

  • Welcome benefit:

With the activation of the card, you will get 10,000 air miles as a welcome gift, to avail of this offer you just have to spend ₹1,000 within the first 60 days of the card activation. 

  • Air miles:

You can get 10 air miles for each ₹100 transactions made with PremierMiles, you will also get 3,000 extra air points on card renewal. 

Also if you have the membership of the frequent flier program, you can earn 10 air miles for each ₹100 transactions.

You can redeem your earned reward points very easily, with multiple options, you can use them for flight or hotel booking. You can also use those reward points for Gift vouchers, bill payments, recharge, Online Shopping, and shopping at some partner outlets.

  • Lounge Access:

With your Citi PremierMiles Card, you will get access to most of the domestic and international lounges, also you will be offered some business-related and refreshment facilities.

  • Hotel booking:

This card can make your travel experience more premium, you will get exclusive deals on hotel booking across the globe, service available in 90+ countries.

  • Dining benefit:

You can enjoy dining at premium restaurants with up to a 15% discount on dining bills. This offer applies to some selected partner restaurants only.

  • Shopping Benefit:

From time to time Citibank comes with exclusive benefits on lifestyle categories. Currently, you will get up to 15% Cash-Back on the purchase made on duty-free shops in India. 

  • Insurance coverage:

With your Citi PremierMiles Card, you will get an air accidental coverage of ₹1 Crore. It gives coverage against air accidental deaths.  

  • Lost card Liability:

With your Citi PremierMiles Credit Card, you will get up to ₹10 lakh of coverage against lost or stolen cards. To avail the benefits of the coverage you have to report the loss within 2 days.  

  • EMV chip Card:

Your Citi PremierMiles Card comes with a built-in EMV Chip, this chip is specially designed to add an extra layer of protection to your transaction.

  • Contactless facility:

Citi PremierMiles Card comes with an easy payment option, now you don’t need to hand over your card to make payments, you can pay with just a wave at any secure reader machine. It reduces the chance of lost or misplaced cards. You can pay a maximum of ₹2,0000 with this feature.

  • Global Acceptance:

This card is globally accepted, you can use this card at any foreign outlet or e-commerce site where the MasterCard credit cards are accepted. 

Charges:

  • Cash Withdrawal Charge: 2% against the amount. 
  • Finance Charge: The bank will let you know at the time of approval.  
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Citi bank credit card customer care:

1860 210 2484 {for domestic uses}

+91 22 4955 2484 {for international uses}

Citibank credit card email id:

[email protected]

Dispute Resolution Process:

If you notice any unauthorized charges on your card or if your card is lost or stolen, you can follow these steps – 

  1. If your card is lost or stolen you should call customer service immediately after you notice it. Ask them to block your card and follow their instruction. 
  2. You can also call customer care for any unauthorized charges. But if you are not satisfied with their service you can contact the head of the customer service here: [email protected]
  3. If you are still not satisfied you can contact the nodal officer. The contact details of the nodal officer are given below:

Call: 1800 266 2400 // 022 4955 2400 Mail id: [email protected]

Finally, if nothing works for you, you can go to the Banking Ombudsman. But before going to the Banking Ombudsman, always try to negotiate the problem with the bank. 

100xGain Ratings: 6/10

Final Opinion:

Citi PremierMiles Card is a specially designed credit card for the frequent traveler, it offers several, travel and non-travel benefits to its users including – Air miles, Benefit on hotel booking,  lounge access, Insurance coverage, Dining benefit, Lost card liability, etc.

 A frequent traveler can earn big benefits from the air miles offered by the card, but if you are looking for lounge access or discount on hotel and flight benefits at a low cost then you can go for Axis Bank My Wings Credit Card. and if you want to spend some more to have some extra benefits then you can go for American Express Platinum Travel Credit Card.

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