[Disclosure : Not a sponsored post] Once upon a time, I was in the cash-back camp .. using a miles card. Ha! Didn’t see that coming, did you?! My first credit card with Citi was the Premiere Miles. Of course, the conversion rates were different back then. 1,000 Citi Miles could be converted into a $10 rebate which effectively made it an 1.2% rebate card on everything. No minimum spend, no cap, no expiry, no gimmicks, no trickery. And the hotline was a dedicated one with no waiting and excellent service. Right now? It’s going for 1,400 Citi miles to S$10. I figured I wasn’t going to let my Citi miles go to waste with such bad value, which was why I resumed my Business Class adventure. See : Qatar Airways Business Class vs Singapore Airlines Business Class Removed the sensitive details! Four business class flights (wife + me)  ...