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The modern millennial’s guide to travelling luxe – while spending a whole lot less

Living the high life when you're on vacation doesn’t have to cost your life savings. Brought to you by Citi

The modern millennial’s guide to travelling luxe – while spending a whole lot less

You can travel like a seasoned pro - and take great holiday selfies - with smart planning. Photos: Shutterstock

Despite their carefully curated Instagram Stories and fashion week-worthy #OOTD (Outfits of the Day), millennial travellers have a reputation for being frugal. A CNA ASIA story earlier this year reported that millennials spend half the amount that baby boomers do on travel, and are more likely to be enticed by travel deals.

That doesn’t mean that you have to fly only on budget airlines and live off supermarket sandwiches in Paris. With some clever planning, luxury and exclusivity are within reach.


It’s time for your bubble tea habit to give something back (and we don’t mean calories). Pay for your daily expenses with a Citi PremierMiles Visa Card, which offers a generous 1.5 Citi Miles^ for every S$1 spent locally until Dec 31, 2019. First-time customers of the Citi PremierMiles Visa Card get a welcome gift of 40,000 Citi Miles* till Jan 31. Apply now if you don’t have a Citi PremierMiles Visa Card yet.

If work (or fun) takes you overseas, bring your Citi PremierMiles Visa Card, because you’ll earn 2 Citi Miles for every S$1 spent on foreign currency transactions. No time to travel for now? That’s okay, your Citi Miles have no expiry date, so you can redeem them whenever you want.


Don’t bust your budget on annoying extra costs like higher currency exchange rates or processing fees. Use a currency wallet like Citibank Global Wallet. This allows you to spend like a local without currency conversion charges and transaction processing fees when you use a Citibank Debit Mastercard.

The Citibank Global Wallet gives you access to 10 different currencies like Australian Dollar, US Dollar, Yen and Euros. Just turn it on and top up your foreign currency account via the Citi Mobile App, and start shopping. Get 10 per cent cashback~ when you perform S$350 equivalent of foreign currency spend from Nov 1 to Dec 31, 2019.


When planning your trip, the temptation to squeeze in as many places as possible is strong. But if you only have one week, it might be better to spend it in one city, or two at the most.

Train and plane tickets can be expensive, and prices tend to fluctuate wildly depending on the occasion, like busy holiday weekends. This isn’t good for your budget (or stress levels). If you must move around, consider taking day trips via cheaper forms of public transport like the local commuter train, instead of the inter-city express. 

If you’re concerned that travel delays could lead to unexpected expenses, buying travel insurance could offer peace of mind. You’ll also get to save up to 40 per cent off on travel insurance when you pay with Citi Cards.


You might be the type who travels to eat. But if dropping S$450 on a tasting menu at a Michelin-starred eatery means you’ll survive on instant noodles for the rest of the trip, consider a more wallet-friendly experience that’s still satisfying.

Many destination restaurants offer a cheaper weekday lunch prix fixe menu. Also, those who don’t mind sitting at the restaurant’s bar instead of the main dining area can still enjoy a curated selection of items from the main kitchen.

For example, the renowned Eleven Madison Park in New York has a lighter five-course set dinner at the bar for around half the price of the eight- to 10-course tasting menu. Bonus? It’s easy to just walk in at most restaurant bars, (#spontaneous).


If Instagram is your main source of travel inspiration, you’ll probably have seen influencers living it up in designer hotels and resorts. You can, too. Balance your accommodation budget with five nights in an Airbnb, and finish off your trip with one or two nights in the resort of your dreams. You’ll also get to move around neighbourhoods – a bonus in massive, sprawling cities like London or Tokyo.

Bargain hunters with an adventurous streak should also check out the last-minute deals section on booking websites like Expedia, where off-season hotel rooms can go for as much as S$200 cheaper than listed price elsewhere (however, you may have to book literally the night before to get the deal).

Don’t forget to check out Citi World Privileges before you book – till Dec 31, 2019, you can enjoy a 10-per-cent discount on Expedia hotel bookings, up to 8 per cent off hotel bookings, an additional 8 per cent off hotels at selected destinations on Agoda and special deals at selected hotels.

Find out more about Citi’s suite of travel essentials that can help you maximise your mileage and minimise the hassle when you’re overseas. Don’t have a Citi PremierMiles Visa Card yet? Apply now and get 40,000 Citi Miles* as you spend.

*Only for new Citi customers. This promotion is valid till Jan 31, 2020. Subject to meeting spending requirement and payment of first-year card annual fee. For the full terms and condition, please click here.

^Citi PremierMiles Visa Card –1.5 Citi Miles on local spend promotion is valid till Dec 31, 2019. For the full terms and conditions, please click here.

~Citi Cardmembers need to activate Citibank Global Wallet to be eligible for the 10-per-cent cashback. This is capped at S$50 and limited to the first 3,000 Citibank Global Wallet activated cardmembers who meet the minimum spend requirement. For the full terms and conditions, please click here.