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PremierMiles Credit Card
Citi

PremierMiles Credit Card Calculator

Best for: Frequent international travelers who spend HK$20,000+ per statement cycle and want to maximize miles on foreign-currency transactions

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Local and Other Eligible Spending 12 points per HKD 8 (1.5X), including eligible RMB/MOP spending
HKD
1.5% HKD 0
Foreign Currency Spending 12 points per HKD 4, or per HKD 3 at HKD 20,000 total eligible spend
HKD
3% HKD 0
Eligibility, earn-rate rules and exclusions

The calculator estimates points from eligible spending within one statement cycle.

Earn rates and HKD 20,000 threshold

  • Eligible local transactions earn 12 points per HKD 8, equivalent to 1.5X points or HKD 8 per mile.
  • Eligible overseas and online transactions settled in a currency other than HKD, RMB or MOP earn 12 points per HKD 4, equivalent to 3X points or HKD 4 per mile.
  • When total eligible local and overseas spending reaches HKD 20,000 in one statement cycle, all eligible foreign-currency spending in that cycle earns 12 points per HKD 3, equivalent to 4X points or HKD 3 per mile.
  • Transactions settled in RMB or MOP are not foreign-currency transactions for the 3X or 4X rate; enter eligible RMB or MOP spending in the local and other eligible-spending field.

Points and redemption

  • Points earned by principal and supplementary cards under the same account are accumulated under the principal cardholder, and only the principal cardholder can redeem points.
  • PremierMiles points do not expire. Cancelled or refunded transactions will have their points deducted or cancelled.
  • The mileage conversion rate is 12 points per airline mile or hotel point. Current Points Transfer terms require at least 18,000 points in multiples of 18,000 and charge HKD 200 per redemption.
  • The cash value shown uses the current reference rate of 270 points per HKD 1. Citi may change points conversion rates.
  • Actual points are determined transaction by transaction. This calculator uses aggregate statement-cycle spending, so small rounding differences may occur.

Not eligible for points

  • FPS transactions; cash advances; and withdrawals or loans under Balance Transfer, Cash Conversion, FlexiBill, PayLite or Quick Cash programmes.
  • Tax payments to the Inland Revenue Department; online bill or utility payments through internet banking or an online payment system; and insurance transactions.
  • Charity donations and transactions with non-profit organisations, based on the assigned merchant code.
  • Mutual-fund payments, fees and charges, and casino transactions.
  • Unposted, cancelled, refunded, unauthorised, fraudulent or abusive transactions.
  • Citi may use transaction descriptions supplied by the payment network or processor to identify Octopus Add Value Service transactions and may change its ineligible-transaction list.
Calculator verified: 30 Jul 2026 Rates may change over time, and bank may not have same interpretation as us. Always verify with bank before applying.
View Official Terms

The Citi PremierMiles card offers 3X ThankYou Points on eligible overseas and online foreign-currency spending, rising to 4X when total eligible spending reaches HK$20,000 in one statement cycle. Other eligible spending earns 1.5X. Points convert at 12 points = 1 mile and do not expire. Transactions settled in RMB or MOP do not qualify for the foreign-currency rate.

Advantages

  • 4X points on foreign currency (with HK$20k+ monthly spend)
  • 3X points on foreign currency (base rate)
  • Better miles conversion: 12 points = 1 mile
  • No caps on points earning
  • Good for travel-focused spending

Considerations

  • Requires HK$20,000 eligible spend in one statement cycle for the 4X foreign rate
  • Only 1.5X on local spending
  • RMB and MOP excluded from foreign currency bonus
  • HK$1,800 annual fee (first year waived)
Annual Fee: HK$1800 Min. Income: HK$120000/year

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