Citi Premier Miles 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.

  • Eligibility criteria –
  • Nationality – Every resident and Non-resident Indian can apply for this card.
  • Age – 21 to 65 years.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income – ₹25.000 monthly. (Min)
  • Good relation with the bank.
  • Zero unpaid loans.
  • Good CIBIL score (750)
  • 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.
  • Documents Required –
  • Proof of Identity –
  • Aadhar Id.
  • Voter Id.
  • Driving License
  • Letter from UIDAI.
  • Proof of Address –
  • Passport
  • Document of property registration.
  • Gas, Electricity, or any utility bill. ( recent )
  • Ration card.
  • Proof of Income –
  • Recently submitted form 16.
  • 3 month’s bank statement. (latest)
  • KYC-PAN.
  • Salary slip (recent 3 months)
  • Fees –
  • Joining fee – ₹3,000 + GST
  • Annual fee – ₹3,000 + GST
  • Interest Rate – 50% Monthly.
  • Over limit charge – 5% against the over-limit amount.
  • Benefits –  The benefits of the Citi PremierMiles Card is Described below –
  • Welcome Gift – Every customer is precious for Citi Bank, so with the issuance of the card, they will welcome you with 10,000 air miles. To get this you just have to spend ₹1,000 or more within the first 60 days of the card activation. You can use those points for flight and hotel bookings.
  • Air miles – With your Citi PremierMiles Card you can earn air miles from your transaction. 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. These air miles will never expire, so you can redeem them whenever you want. Also if you have a membership of the frequent flier program, you can earn 10 air miles for each ₹100 transactions.
  • Reward redemption – 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 a Gift voucher, bill payments, recharge, Online Shopping, and shopping at some partner outlet.
  • Air Travel – 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.
  • Lounge Access – Lounges can make your travel more comfortable and premium, and 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.
  • Insurance Coverage – With your Citi PremierMiles Card you will get an air accidental coverage of ₹1 Crore. It covers your family against air accidental deaths.
  • 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.
  • Lifestyle 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 at duty-free shops in India.
  • EMI Facility – Now don’t worry about your low shopping budget, because with your Citi PremierMiles Card you can convert any big-ticket purchase into easy monthly EMIs very easily.
  • Lost card Liability – Lost or stolen cards can hurt you financially. But you don’t need to worry about your lost or stolen card, as with your Citi PremierMiles Card offers zero liability against lost or stolen card, you will get up to ₹10 lakh of coverage against lost or stolen card, to avail zero liability you just have to report within 2 days.
  • Contactless transaction – 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 ₹2,0000 with this feature.
  • EMV Chip Security – 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.
  • Worldwide acceptance – This card is accepted worldwide, which means you can use your card in any corner of the world. But you will have to pay the foreign currency transaction fee for currency conversion.
  • 24X7 Active Customer Service – With Citibank you can enjoy an experienced and always active customer service experience. You can ask them for any help whenever you need it.
  • Charges –
  • Cash Advance – 2% against the amount.
  • Foreign currency transaction – 5% against the transacted amount.
  • Railway surcharge –8% against the transacted amount.
  • Other features –
  • Contact Details –
  • 1860 210 2484
  • +91 22 4955 2484
  • Email – [email protected]
  • Dispute Resolution Process –

In case of any fraud or unauthorized transaction, you should follow the steps –

  1. Block your card just by calling the customer care authority.
  2. And follow their instruction.
  3. If you are not satisfied with the given service you can contact the head of the customer care, you can mail him to [email protected]
  4. If you are still not satisfied, you can contact the principal nodal officer. You can call him or send an E-mail to him describing your situation.

Call – 1800 266 2400 // 022 4955 2400.

Mail – [email protected]

  • 100X Gain Rating – 6/10
  • Final verdict – 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 you will be disappointed with this card.

 

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