Citi Premier Miles Credit Card

• Reward Rate: 1.8%
• Joining Fee: Rs.3,000 +GST (Free for Citi Priority/Gold account holders)

First of all, Citibank Premier Miles Isn’t an Air miles card or a travel card as such and is more like HDFC Regalia which may be a rewards card. But you’ll also convert your points to major airlines & hotel loyalty programs which makes it to this present list.

While this card in itself isn’t an excellent card, it’s the way to get Citi Prestige, which you’ll see later below. Ideally fits well just for the Citi Priority/Gold account holders as they don’t easily waive off the renewal fee. So get it only if it’s free of cost.

With 1.8% default reward rate, Citi premier miles is nearly as good as regalia without the Priority Pass complimentary visits. The main difference though, is it’s costly joining fees of Rs.3,000 plus tax which gets compensated with welcome bonus, but not much for renewals.