Are you planning to apply for a travel credit card in Singapore but can’t decide between Citi PremierMiles and DBS Altitude? Both cards offer a range of benefits and rewards, so it’s important to compare their features to determine which one is the best fit for you.
Citi PremierMiles and DBS Altitude are two of the most popular travel credit cards in Singapore. Both cards offer air miles rewards, airport lounge access, and other travel perks. However, they differ in terms of their rewards rates, fees, and other features.
If you’re considering applying for a travel credit card, it’s important to do your research and compare the different options available to you. In this article, we’ll take a closer look at Citi PremierMiles and DBS Altitude, and help you determine which one is the best choice for your travel needs.
Key Takeaways
- Citi PremierMiles and DBS Altitude are two of the most popular travel credit cards in Singapore.
- Citi PremierMiles offers air miles rewards, automatic fee waivers, and other travel perks, while DBS Altitude offers higher rewards rates and more flexibility in terms of frequent flyer programs.
- When choosing between these two cards, consider your travel habits and preferences, as well as the fees and rewards rates associated with each card.
Key Features and Benefits
If you’re looking for a travel credit card that offers great rewards, travel perks, and insurance, then both the Citi PremierMiles and DBS Altitude cards are definitely worth considering. Here are some key features and benefits of these two cards:
Earning Miles
Both the Citi PremierMiles and DBS Altitude cards offer a competitive miles earn rate, with bonus miles for overseas spend. The Citi PremierMiles card offers up to 1.2 miles per $1 spent locally and up to 2 miles per $1 spent overseas, while the DBS Altitude card offers up to 1.2 miles per $1 spent locally and up to 3 miles per $1 spent overseas.
Redeeming Miles
Redeeming miles is easy with both cards. The Citi PremierMiles card allows you to redeem your miles for flights, hotel stays, and other travel-related expenses. You can also convert your miles to Singapore Airlines KrisFlyer, Qantas, or other frequent flyer programmes. The DBS Altitude card allows you to redeem your miles for flights, hotel stays, and other travel-related expenses. You can also convert your miles to Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, or other frequent flyer programmes.
Travel Perks and Insurance
Both cards come with a range of travel perks and insurance coverage. The Citi PremierMiles card offers complimentary lounge access, travel insurance coverage for accidental death and permanent disablement, medical expenses, and travel inconveniences such as flight delay and trip interruption. The DBS Altitude card offers complimentary Priority Pass lounge visits, travel insurance coverage for accidental death and permanent disablement, medical expenses, and travel inconveniences such as flight delay and trip interruption.
Overall, both the Citi PremierMiles and DBS Altitude cards offer great benefits and features for frequent travellers. With competitive miles earn rates, easy redemption options, and a range of travel perks and insurance coverage, these cards are definitely worth considering if you’re looking for a travel credit card that can help you earn rewards and enjoy travel perks.
Fees and Charges
Annual Fees
When choosing between the DBS Altitude Visa and the Citi PremierMiles credit card, it’s essential to consider the annual fees. The DBS Altitude Visa card has an annual fee of S$194.40 for the principal cardholder, with a S$97.20 fee per supplementary card. However, you can get a fee waiver if you spend at least S$25,000 in a membership year. On the other hand, the Citi PremierMiles credit card has an annual fee of S$192.6, which is waived for the first year.
Other Charges
Apart from the annual fees, there are other charges you need to consider when choosing between these two credit cards. Both cards charge a foreign currency conversion fee of 3.25% of the transaction amount. However, the DBS Altitude Visa lets you earn miles in the form of DBS Points, with 3.25 DBS Points awarded for every S$5 local spend (or 1.3 mpd) and 5.5 DBS Points for every S$5 overseas spend (equivalent to 2.2 mpd).
It’s also worth noting that both cards have similar income requirements, with S$30,000 income requirement for Singaporeans and PRs. Additionally, paying the annual fee from the second year onwards for both cards will net a bonus 10,000 miles.
When it comes to taxes, both cards charge a Goods and Services Tax (GST) of 7%. However, it’s important to note that the GST is only applicable to the annual fee and not the other charges.
In conclusion, while both the DBS Altitude Visa and the Citi PremierMiles credit card have similar fees and charges, the DBS Altitude Visa cardholders who spend at least S$25,000 within a year are exempt from the annual fee. Additionally, the DBS Altitude Visa lets you earn miles in the form of DBS Points, which can be beneficial if you’re looking to accumulate miles quickly.
Exclusive Promotions and Offers
Looking for exclusive promotions and offers on your DBS Altitude Visa Signature Card or Citi PremierMiles Card? Look no further. Here are some of the best deals available to you right now.
Bonus Miles and Promotions
If you’re looking to earn bonus miles, both the DBS Altitude Visa Signature Card and the Citi PremierMiles Card have you covered. For example, with the DBS Altitude Visa Signature Card, you can earn up to 10 miles per $1 spent at selected online travel agencies. And with the Citi PremierMiles Card, you can earn up to 10 miles per $1 spent on hotel bookings made through Agoda or Kaligo.
In addition to bonus miles, both cards offer promotions that can help you earn even more miles. For example, with the DBS Altitude Visa Signature Card, you can earn up to 53,000 miles when you sign up and spend a minimum of $6,000 within the first 3 months of card approval. And with the Citi PremierMiles Card, you can earn up to 45,000 miles when you sign up and spend a minimum of $9,000 within the first 3 months of card approval.
Partner Deals and Discounts
Both the DBS Altitude Visa Signature Card and the Citi PremierMiles Card have partnerships with a variety of merchants that can help you save money and earn bonus miles. For example, with the DBS Altitude Visa Signature Card, you can earn up to 10 miles per $1 spent on Grab rides and up to 6 miles per $1 spent on Expedia bookings. And with the Citi PremierMiles Card, you can earn up to 10 miles per $1 spent on dining, shopping, and entertainment at selected merchants.
In addition to earning bonus miles, both cards offer discounts on a variety of products and services. For example, with the DBS Altitude Visa Signature Card, you can enjoy up to 50% off dining at selected restaurants and up to 25% off car rentals at selected merchants. And with the Citi PremierMiles Card, you can enjoy up to 15% off parking at selected airports and up to 10% off hotel bookings made through Agoda or Kaligo.
Overall, both the DBS Altitude Visa Signature Card and the Citi PremierMiles Card offer a variety of exclusive promotions and offers that can help you save money and earn bonus miles. So whether you’re looking to travel the world or simply enjoy some of the best dining and shopping experiences Singapore has to offer, these cards are definitely worth considering.
Eligibility and Application
Income and Age Requirements
Before applying for either the Citi PremierMiles or DBS Altitude credit card, you need to ensure that you meet the eligibility criteria. Both cards have similar income and age requirements. For the Citi PremierMiles card, you need to have a minimum annual income of $30,000 if you are a Singaporean or Permanent Resident (PR), or $42,000 if you are a foreigner. You also need to be at least 21 years old.
For the DBS Altitude card, the minimum annual income requirement is also $30,000 for Singaporeans and PRs, and $45,000 for foreigners. The age requirement is the same as the Citi PremierMiles card, which is 21 years old.
Application Process
The application process for both credit cards is straightforward and can be done online. You will need to provide personal details such as your name, NRIC/passport number, and contact information. You will also need to submit your income documents, such as your payslips or tax assessment, to prove that you meet the minimum income requirement.
Once you have submitted your application, it will be reviewed by the bank. If your application is approved, you will receive your credit card within a few business days. If your application is rejected, the bank will inform you of the reason for the rejection.
In conclusion, if you are looking for a travel credit card in Singapore, both the Citi PremierMiles and DBS Altitude cards are excellent options. However, before applying for either card, you need to ensure that you meet the eligibility criteria. The application process is straightforward, and you can apply online.
Frequently Asked Questions
What fabulous perks come with the DBS Altitude Visa card?
The DBS Altitude Visa card offers a range of exciting perks to its users. You can earn up to 10 miles per $1 spent on online flight and hotel transactions, and 3 miles per $1 spent on all other transactions. Additionally, you can receive up to 10,000 bonus miles on your first spend of $1,000 within the first 60 days of card approval. The card also offers complimentary travel insurance and access to airport lounges worldwide.
How do the mile earn rates compare between the UOB PRVI Miles and the Citi PremierMiles cards?
Both the UOB PRVI Miles and the Citi PremierMiles cards offer competitive mile earn rates. The UOB PRVI Miles card offers up to 1.4 miles per $1 spent locally and 2.4 miles per $1 spent overseas. The Citi PremierMiles card, on the other hand, offers up to 1.2 miles per $1 spent locally and 2 miles per $1 spent overseas. However, the Citi PremierMiles card offers additional benefits such as complimentary travel insurance and access to airport lounges worldwide.
Can you explain the differences in benefits between the Citi PremierMiles and the Citi Rewards cards?
While both the Citi PremierMiles and the Citi Rewards cards offer rewards points, there are some differences in the benefits they provide. The Citi PremierMiles card is focused on travel rewards and offers benefits such as complimentary travel insurance and access to airport lounges worldwide. The Citi Rewards card, on the other hand, is focused on shopping rewards and offers benefits such as cashback and discounts at participating merchants.
What’s the conversion rate of Citi miles to airline miles?
The conversion rate of Citi miles to airline miles varies depending on the airline and destination. Generally, 1 Citi mile is equivalent to 1 airline mile. However, some airlines may offer a different conversion rate. It’s best to check with the airline directly for the most up-to-date conversion rate.
Is the annual fee for the Citi Premier card justified by its benefits?
The annual fee for the Citi Premier card is $196.20 inclusive of 9% GST. While this may seem steep, the card offers a range of benefits such as complimentary travel insurance, access to airport lounges worldwide, and competitive mile earn rates. If you’re someone who travels frequently and values these benefits, the annual fee may be justified.
How does the DBS Altitude card stack up against the OCBC 90N in terms of travel rewards?
Both the DBS Altitude and the OCBC 90N cards offer competitive travel rewards. The DBS Altitude card offers up to 10 miles per $1 spent on online flight and hotel transactions, and 3 miles per $1 spent on all other transactions. The OCBC 90N card offers up to 4 miles per $1 spent on local dining and overseas transactions, and 2.1 miles per $1 spent on all other transactions. However, the DBS Altitude card offers additional benefits such as complimentary travel insurance and access to airport lounges worldwide.